davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MECHANICS BANK (TX)

Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

The follow accounts are as follows : Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Name of Account : MECHANICS BANK AUTO FI Account Number : XXXX Name of Account : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (MI)

Hello. 

I have submitted a request to close my account with Chime. I have expressed to them on more than one occasion that my information was stolen when my cellphone was hacked. My ID, SSN and personal and business information was stolen as well as account numbers. These individuals have been calling to check deposits, account balances and everything. I have requested my full account history more than once with this institution and they have not given me anything. 

I have been trying to work with them to resolve this or get added security so I did not have to close my account as I have had this account for a few years, but they have not been working with me at all.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

For my JP Morgan Chase United Credit card, I was offered an option to set up a payment plan ( My Chase Plan ) on one of my charges at XXXX percent interest for 24 months. The plan was started on XX/XX/XXXX for an original principal of {$7300.00} for XXXX XXXX ( XXXX for my dog ). It was to include 24 payments at XXXX. 

With the Payment Plan, the company allows you to pay the monthly payment plan amount ( XXXX ) plus any additional " new '' charges so you don't incur any interest. I pay my credit card every month to avoid interest charges. 

On XX/XX/XXXX, my travel agency charged an airline ticket in the amount of {$10000.00} for a work-related airline ticket. The cost of the ticket had exceeded my credit limit on my work credit card. But on that same day, XX/XX/XXXX, the travel agency cancelled the ticket ( and I was credited {$10000.00} ) as they found something cheaper. I was then able to use my work credit card for the final ticket. 

Chase Card then took the a portion of the {$10000.00} credit and applied it to My Chase Plan which again was " XXXX '' interest. In essence they wiped out the payment plan which I had 2 years to pay at XXXX interest instead of applying the credit to cancel the original charge. And now when my statement closes on XX/XX/XXXX, I will have to pay {$9600.00} or else pay interest. The " credit '' I received should apply to the actual charge, not the payment plan. Basically they inticed me with XXXX percent interest, and had I known they would have done that I would have used a different card. The " My Chase Plan '' is misleading consumers should they be able to unilaterally apply credits to the " Chase Plan '' as opposed to the actual charge the credit is intended to offset. I asked them if I could set up the {$10000.00} charge on a payment plan with XXXX percent interest for which they said no since I don't owe that much on my card. This will now force me to transfer the balance to another credit card and incur a 5 % fee ( but that is only if that bank allows me to do so ).
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CO)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (GA)

In XXXX of XXXX my XXXX was stolen. On this XXXX had all my personal information including my SSN, address, and account information. No accounts had been opened during the first 2 months so I assumed everything was fine outside of a compromised Apple XXXX. On XX/XX/XXXX I got an email from XXXX saying my Apple Card had been closed, so I immediately called Apple because I know I did not open another credit card, especially with them. Come to find out, the card had a bill over XXXX so I immediately opened a dispute. The agent even told me that someone was making payments on the account, so why not just trace the account that was making the payments and confirm that the bank account does not belong to me! After months of trying to get them to receive my documents, they finally come back and tell me I am responsible for the account but did not include how they came to that conclusion and what information they investigated in order to hold me liable. I sent in a police report, identity theft report from the FTC, proof of identity, and bank statements.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I did not consent, nor benefit from, or authorize any of the following Accounts : XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX report furnished by XXXX. 
XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX report furnished by Equifax. 
XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX report furnished by XXXX XXXX XXXX. 


Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (VA)

I made a debit card purchase for services from a company named XXXX XXXX XXXX, listed on the internet. I purchased the Full Arbitration Representation package for {$1500.00}. The website was very specific about the services I would receive. I received an email confirmation of the purchase and package and that someone would be in touch to set up the consultation. I heard nothing. I sent an email and link was sent to schedule the consultation. The day of the consultation no one called, no email sent. I asked to reschedule, I heard nothing. Repeated attempts were made to contact this business. I made a formal request of refund for services not rendered. The email account was disabled. I called Chase and made a fraud complaint since no services were ever performed. I received a credit to my account. About two months after Chase reversed the credit without any warning or explanation. I called Chase and the representative was very nervous, lied about facts I never said, refused to let me speak to a supervisor. I called back and demanded to speak to a supervisor who was very rude to me, said this was not on the fault of Chase. She said no fraud took place and that the terms and conditions said no refunds. Terms and conditions only apply to legal purchases, not buyers remorse. No services were ever performed so that it fraud and criminal. All purchases are protected by the Electronic Funds Transfer Act and FDIC insurance. I demand a full refund. If not I will file a complaint with high level agencies and pursue legal action within XXXX XXXX as this account is owned by Trust and Trust res. A full account audit will be demanded, and Chase will owe me a lot more than {$1500.00}.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX  XXXX inquiry date-XXXX  XXXX XXXX XXXX XXXX inquiry date-XXXX XXXX XXXX XXXX  XXXX inquiry date-XXXX These inquiries are being inaccurately reported on my Equifax report please remove.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KY)

I was fraudulently charged twice by a merchant on XX/XX/XXXX for {$87.00} and {$91.00}. I reported it to Citibank, and XXXX of the charges was reimbursed, but the other remained pending. In XXXX, the merchant refunded XXXX charge, but the other charge remained and posted in XXXX. I was charged interest every month since XXXX in the amounts of {$2.00}, {$2.00}, and {$2.00} despite the charges being " under investigation ''.
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

I wired money to my coinbase account from my XXXX XXXX XXXX account. One {$2000.00} wire transfer and one {$3000.00} transfer. The money was stolen from my coinbase account and sent to someones XXXX  waller. I have called and reported several fraud and unauthorized charges with coinbase and was told there is nothing they can do. I was told to contact the beneficiary directly. I have not been able to recover any if my money especially when someone hacked my account and stole all my money
Consumer complaint received 2023-11-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: ACRE MORTGAGE (PA)

Acre Mortgage & Financial Inc., Classic Quality Homes, and their attorneys are aware of my name, and address since the information presented in the attached documents has been presented before the United States District Court for the Middle District XXXX XXXX, including the United States Court of Appeals for the Third Circuit. This has been an ongoing Civil Litigation since XX/XX/2016. The Plaintiff was victimized in XXXX XXXX XXXX XXXX XXXX XXXX real estate property predatory lending scheme. XXXX XXXX XXXX failed to comply with the CFPB 's TILA RESPA Integrated Disclosure ( TRID ) rule, failed to obtain the Plaintiff 's six pieces of information for a valid application, and failed to utilize and create the XXXX ( A ) Loan Estimate and the XXXX ( A ) Closing Disclosure. Therefore, XXXX XXXX XXXX failed to create a valid and enforceable mortgage loan application, and demanding mortgage payments without an existing, valid, and enforceable mortgage loan application. 

I do not mind if the CFPB publish my information so that others can learn of my experience, but I am requesting that the CFPB remove my name and address. 

Thank you for your assistance in this matter
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (UT)

I have been trying to log into my Mohela account but I can't log in. The password I used to use suddenly does not work. Apparently Mohela has a new servicing platform. But when I tried to create a new account, it said it didn't recognize my social security number. I get emails from Mohela telling me to log in for information and to see my payment due date. But how can I do that if I can't log in?
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (OK)

On XX/XX/XXXX, I placed an order with XXXX XXXX  in the amount of {$6200.00} for a custom sofa and ottoman, with an expected delivery date of XX/XX/XXXX. I received several updates saying my order had been delayed a by a few weeks, and finally on XX/XX/XXXX, I received an email from the CEO stating that the delivery has been pushed to early XX/XX/XXXX. Upon receiving this update, I submitted their XXXX Forms cancellation request since this was much too long of a wait for me, and never heard anything back from them. In XXXX, I received an email from XXXX XXXX, the law firm handling the Assignment for the Benefit of Creditors of XXXX XXXX  ( XXXX ), XXXX stating that anyone who had a claim to file against XXXX XXXX for money lost should do so through them. I filed this claim on XX/XX/XXXX. I never heard any response or received any updates or information as to whether or not I would receive a refund, so I called Discover ( my credit card company through whom I placed the order ) and opened a dispute on XX/XX/XXXX, sending them all of my documentation throughout the last year regarding the transaction. On XX/XX/XXXX I received an email from Discover saying the dispute was rejected and the charge was found valid. At the beginning of XXXX I called XXXX XXXX and asked when there would be an update on the claims filed, to which I was told " XXXX XXXX will post an update on their website on XX/XX/XXXX. No information will come from our office, only XXXX XXXX 's website ''. I have seen no such update on their website and I have not heard anything from XXXX XXXX 's office since then.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (IN)

I received an email from Credit Karma that lists my debts in the subject line thus completely shredding any privacy policy. Anyone can see subject lines in emails as you scroll through them. 
This does NOT constitute privacy for my personal finances. This should be stopped.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose