davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have filed a police report at the XXXX XXXX police department and gave all the suspect information relating to me being victimized by identity theft. 
XXXX XXXX at XXXX XXXX POLICE DEPARTMENT. BADGE # XXXX POLICE dept PHONE : XXXX For years I have attempted to remove these fraudulent items from Equifax. They will not comply by Federal law and remove the items.

Total amount taken exceeds 100,000.

6 accounts were opened in my name, money was spent, and I still suffer due to the fact Equifax will not honor the request by XXXX XXXX police and use my identity theft report to block these negative items. 

How many years do I have to wait before my life gets back on track? Why will they not do what they are supposed to do? Ive lost 1000s of  hours of my life dedicating to try to get this resolved.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX SS XXXX  : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute and request the removal of certain items on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Upon reviewing my credit report, I have identified the following issues : Unauthorized Credit Inquiries : a ) XXXX  - Date of inquiry : XX/XX/XXXX b ) XXXX - Date of inquiry : XX/XX/XXXX c ) XXXX XXXX - Date of inquiry : XX/XX/XXXX d ) XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX e ) XXXX - Date of inquiry : XX/XX/XXXX f ) XXXX XXXX - Date of inquiry : XX/XX/XXXX Under the FCRA, I have the right to dispute and request verification of these unauthorized credit inquiries. I have no recollection of authorizing these credit pulls, and I demand their immediate removal from my credit report as they are negatively affecting my creditworthiness. 



Incorrect Personal Information : a ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX b ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The FCRA and FACTA grant me the right to have accurate and updated personal information on my credit report. I request that you promptly remove these incorrect addresses from my credit report to ensure its accuracy. 



In accordance with the FCRA and TILA, I also dispute an account that is not mine. The account details are as follows : Account Number : I demand that this account be thoroughly investigated, and its information be removed from my credit report as soon as possible. 



I urge you to take these matters seriously and conduct a comprehensive investigation as required by law. Under the FCRA, you have a duty to investigate and respond to disputes within 30 days of receipt. Therefore, I request that you provide me with a written confirmation of the investigation 's completion and the actions taken to rectify these inaccuracies. 



Failure to comply with the above-mentioned laws and to address my concerns within the stipulated timeframe will leave me with no choice but to seek legal remedies to protect my rights under the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 



Please provide me with your investigation results at your earliest convenience. I can be reached at the contact information provided above. Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (CO)

I had 2 collection accounts at all 3 credit bureaus. According to Colorado XXXX XXXX XXXX XXXX I can not be billed for medicaid services. That means that I can not be placed for collection for this. XXXX  and XXXX  have alrdeady argeed that the collection accounts were unlawful and deleted them. XXXX XXXX deleted only debt of {$210.00}, but another one of {$150.00} is still there. 
The documents regarding this problem were sent to original creditor, collection agency and all 3 credit bureaus 2 month ago. 
I opened the dispute with XXXX XXXX 2 times. only one Item was deleted and they don't want do anything with the 2 second item. 
I never received ANY answer from collection agency. I sent them documents 2 times, last time they received it XX/XX/2018. ( usps conformation included )
Consumer complaint received 2023-10-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (MO)

A payment of {$110.00} was made on XX/XX/2023 to seventh avenue credit. We called the next day to see if it went through. Seventh avenue said it had not so we made a payment of {$110.00} on XX/XX/2023. Both payments were deducted from our bank account on XX/XX/2023. Seventh avenue wanted proof so we went to the bank and got a printout from the bank stating when the payments were taken out and the transaction numbers. We mailed this to seventh avenue. After waiting a month we called them again. First they said they never received the information then said they wanted a copy of our whole bank statement. We are very uneasy giving any credit card company our entire bank statement. They have a statement from our bank showing those payments to them.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2023 I received a cashiers check for {$20000.00} I reached out to Chase bank and asked their policy. I was told that likely the check would be placed on a hold however the back office could release the check within a day or 2. Upon receiving the check I went to my local branch and prior to depositing the check I asked the teller about the hold times. She stated that it could be up to 7-10 business days but she would not know until she made the deposit. She also stated that once the system lets her know if I chose to cancel the transaction I could receive that check back. Once she processed the check she gave me a receipt indicating a release date of XX/XX/2023. She said to call the number on the bottom as they can provide more insight as to the time frame. I sat down at the branch and called customer service. The customer service representative explained I would have to call back today XX/XX/2023 and speak to a representative. He specifically told me that he assures me there is no need to cancel the transaction and once the funds can be verified today XX/XX/2023 they would be released. " I assure you XXXX XXXX we WILL resolve this for you tomorrow '' therefore leading me to believe this would occur. I called this morning and after XXXX transfers am now being told that they WILL NOT be releasing my funds to me in part or entirety until XX/XX/2023. It is pathetic for a financial institution of any caliber but especially of this caliber to take advantage of and mislead their consumers to believe once thing and do the exact opposite. 

Again, this is a cashiers check issued to me from an estate account as a result of my mothers death. Regardless of the hold I am familiar with The Expedited Funds Availability Act ( Regulation CC ) which has also been brushed to the wayside in this scenario. 

Once these fund are made available I intend to return to the branch withdraw every cent and close my account. I do not appreciate Chase representatives taking advantage of my lack of knowledge as a consumer and misleading me with fictitious bait and switch statements.
Consumer complaint received 2023-10-23
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: Prosper Marketplace, Inc. (GA)

I entered into a debt consolidation program during COVID to work out payment settlements with some of my creditors. Some of the creditors that qualified and agreed to the terms and settlements of the program continued to report negatively even after accepting payments.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Klarna AB (MD)

On XX/XX/2023, I requested that XXXX XXXX XXXX  stop contacting me through my email, phone and text. They still continue to contact me : I have emails from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

XX/XX/2023 I was the victim of a phishing scam. I thought I was buying gift cards for the CEO of the company I work for. I regularly work directly with him. 

XX/XX/2023 I realized I had been scammed for the {$1400.00} worth of gift cards and I reported it to USAA. My account was temporarily credited back the {$1400.00}. I provided screenshots and texts to support my report. 

In XXXX USAA debited the funds from my account with an explanation that I hadn't provided more information by the deadline given me. However, I hadn't seen the request with deadline. Once customer service explained, I immediately uploaded the requested information. 

Since then I've been on the phone numerous times with customer support and have received varying answers about the status of my dispute including completely contradictory and inapplicable ones. I've uploaded more information after I escalated my dispute, which the rep assured me would resolve it and result in my money being re-credited. All to no avail. 

XX/XX/XXXX I received a letter from USAA that purported to explain the dispute resolution but literally says nothing of the sort. 

I've been a USAA member for 48 years and am about to switch to another bank over this. 

I've attached documentation. 

Thank you for your help.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (VA)

This is a rebuttal to a complaint I filed with CFPB that was closed, # XXXX. 

Navient falsely claimed in its explanation that my forbearance in XX/XX/XXXX was back-dated to XX/XX/XXXX. 

That information is incorrect. 

According to the email I attached, forbearance was approved on XX/XX/XXXX. Meaning the account was already in forbearance through XX/XX/XXXX. 

Navient is falsely claiming payment is late, though a forbearance was approved in XX/XX/XXXX. And forbearance are usually for 6 months. 

The forbearance request approved in XX/XX/XXXX was scheduled to begin on XX/XX/XXXX. 

I also included a copy of the letter Navient sent to me when I inquired about the credit reporting. Whereby Navient stayed my account is not in default.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting. 






Re-investigate and Remove this item from my credit reports ASAP
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

continuation of complaint-XXXX-XXXX. To date this issue has not been solved. five yrs ago a court issued a directive on the acct of my mother, XXXX XXXX. JP MORGANCHASE has issued one demand after another which have been complied with-on XX/XX/18 chks were supposedly sent out-to wrong address. instead of just sending them to correct address nmore forms more demands. we had to notorize documents to stop payment on chks yet yesterday Chase finally admitted they had chks. so why more forms??? just to delay paying out acct-delay delay delay and we have XXXX State Senator XXXX XXXX helping us and weve reached out to US Senatpor XXXX XXXX.Seems incredible that this is still dragging on. no matter what we do there are always more demands bringing ever more delays.As they are speaking to us at Chase_XXXX-they chg the demands. as my brother told her yesterday the goal post chgs we speak but we are supposed to just keep compling. we need help desperately. this has gone on almost 5 yrs-with a court order-will it go on 5 yrs more??? my brother and i cant believe how inhumane and inhuman we have been treated-both of us feel sick medically and XXXX. pls help us resolve this
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION (GA)

fraudulent use on my TRUIST debit card for $ XXXX XX/XX/XXXX and XX/XX/XXXX XXXX truist denied claim saying one of the transactions used my PIN therefore the transaction was authorized which it wasn't there were numerous suspicious transactions on those dates i would get an alert from truist did i make this transaction and i responded NO.When i spoke with TRUIST today to inquire about the status of the investigation they told me it was denied and that I needed to prove it was not me making those transactions I spoke with several people in the fraud department at truist and no one was able to tell me how I was supposed to prove it wasn't me. I live in XXXX and was at work on the XXXX. The transactions were made in XXXX NJ. I've never been there never heard of it
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a Platinum Mastercard credit card with Capital One Bank. My Payments are due on the XXXX of every month and I initiated a transfer of the remaining balance on the card to my XXXX card on XX/XX/XXXX in the amount of {$200.00}. I mainly wanted to pay off the card, because my account was placed on restriction by Capital One, for reasons unbeknownst to me. Unfortunately Capital One processed the payment late, charging me a late fee of {$25.00} and two interest charges. I called Capital One to provide proof that I did indeed pay the account on time and I want to close the account. The associates refused to provide any info regarding the account over the phone with me, despite having answered security questions such as what is my SSN, etc ... Please resolve because this account is accruing interest fees and charges, impacting my credit score ... when the payment to pay off remaining debt has been issued.
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (OH)

I am the executor of my dad 's estate. He passed away XX/XX/2023. I am working to close out the estate as all that is left is medical bills but this is proving to be very difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX apparently sent bills for my deceased dad to DCM Services to collect the debt on the estate. I've never once receive a bill to his address or mine. They know I am the contact and I've worked with a couple of different departments with no luck. This is fine, but they refuse to give me details. When I have contacted XXXX they have indicated they no longer carry records, they are with DCM Services. My lawyer for the estate has requested detail bills because what they claim we owe does not match at all with the Explanation of Benefits for my dad. 

They send vague letters and an amount and no further details. My lawyer received a letter indicating {$720.00} was owed, the EOB showed {$0.00}. 

Why am I sent to a collections company that has no details when I have asked repeatedly for the bills so I can make payment and compare against the EOB. I do represent my dad.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I made a {$5000.00} mobile check deposit into my Santander Bank checking account drawn on another account I had with XXXX XXXX. Later that day I received a notice from Santander indicating that the funds from that deposit would not be available until the second business day after confirming receipt of the deposit, or in some cases, no later than the sixth business day after the deposit. This is all in accordance with the Santander Funds Availability Policy. On the next business day, XX/XX/XXXX I confirmed through XXXX XXXX  that the check had been debited from my XXXX XXXX account and the funds were debited on XX/XX/XXXX. On XX/XX/XXXX I received a notice in the mail from Santander Bank ( dated XX/XX/XXXX ) indicating that they were delaying the availability of {$4800.00} of the deposit since they were unable to verify funds for the deposit. Since XX/XX/XXXX, I have incurred {$70.00} of insufficient fund fees since the funds that Santander received on XX/XX/XXXX were not credited to my checking. When I contacted Santander customer service they explained to me that the funds for the check were being verified and that the funds would not be available until the end of the day on XX/XX/XXXX. These funds were finally made available to me late in the day on XX/XX/XXXX. 

I believe that Santander Bank is in violation of Regulations CC which defines the requirements for a bank to make availability of funds to its customers. I feel that the Santander Bank Funds availability policy is in violation of Regulation CC for the following reasons : 1. Section 229.12 of the regulation states that a bank shall make the funds drawn on a local check available to a consumer not later than the second business day following the banking day on which the funds are deposited. Since the funds were debited from the XXXX XXXX  account on XX/XX/XXXX it is apparent that Santander was in receipt of the funds for the deposit for which they did not make available to me.

2. Section 229.13 of the regulation does provide a bank to extend the availability of funds based on certain criteria defined within the regulation. The notice provided to me did not state one of the permitted exceptions, it just stated unable to verify funds. This is not consistent with the fact that the funds from the XXXX XXXX account were debited on 5 days prior to the funds being made available. 

It is apparent to me that Santander Bank has developed their funds availability policy to accommodate their inefficient operational processes and profit from putting an extended on their customers funds.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whomever It concerns, I am writing to dispute an inquiry on my credit report from XXXX XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). It appears that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. 

As a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date.

2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report.

4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. 

I believe that TransUnion has violated my FCRA rights by not properly investigating the XXXXXXXX XXXX inquiry, which has resulted in inaccurate information on my credit report. Therefore, I urgently request you to take immediate action and remove this inquiry to rectify the situation. 

Please provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

in accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
Of the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.