davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc. (TX)

In XXXX I applied for admission to XXXX University, they were in a rush to get me enrolled and I told them I didn't want to enroll until my financial aid was approved and processed because I didn't have money to pay for the classes out of pocket. The Admissions person enrolled me in every class on the degree plan and I expressed my concern because their financial aid office had problems with my paperwork. After several times of trying to get things straightened out with their financial aid office and not being successful, I dropped the XXXX class I had been enrolled in and reached out to the admissions office, to the advisor and to the academic coach to have me withdrawn completely. They took a few days to respond, I reached out to the professor to tell her that I was not going to continue the class. Finally on the XXXX of XXXX the academic coach responded and was confused about me wanting to withdraw, I explained that I didn't want to attend XXXX and to please remove me from all classes. On the XXXX, I finally received an email confirming that I had been dropped. 
I never received any bill from XXXX. On XXXX XXXX or XXXX, I received a call from a collection agency wanting to collect {$3200.00} for XXXX. On the XXXX of XXXX, I received a letter from F.H. Cann & Associates , Inc. also trying to collect. On XX/XX/year>, I called XXXX University and spoke to XXXX from the Financial Aid office and she said that they had emailed me at some email address which was wrong, so I never received an email. I asked her why she had the wrong email when I have emails from the school prior to this and emails from the financial aid office. 
I told her that I wanted verification that I had attended class when they said I did and I wanted those emails mailed to me and she said they don't mail anything. She wouldn't send me any verification. I called F.H. Cann & Associates , Inc and told XXXX that I needed them to verify that account and that I attended because I never attended. I emailed the professor once or twice to let her know that I wasn't going to attend and I told him that I wanted it certified and mailed to me and he hung up on me.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX  days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within XXXX  days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2017-10-29
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: Experian Information Solutions Inc. (PA)

Disputes inquiries on my credit report with Experian that were a result of the XXXX data security breach. Have not received mail from Experian. It has been 40 days. Tried calling and the wait time is too long.
Consumer complaint received 2018-09-02
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/2018 I got hit with a hard inquiry from chase. I did not notice it until I saw my XXXX XXXX. I called up XXXX explained to them this wasn't me was an act of fraud because I never authorized it. The customer service rep had agreed to remove the hard inquiry from my file.
Consumer complaint received 2017-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX/XXXX/XXXX at XXXX a.m. I and my XXXX yr old mother tried to deposit a XXXX XXXX XXXX check for XXXX} to Chase Bank. She at the time had over XXXX in the checking account and we wanted to get some cash but were told the check was no good and they stamped on the back of this check " XXXX XXXX '' JPMorgan Chase Bank. This branch is in XXXX at XXXX XXXX XXXX XXXX. We had made a special trip to the bank which made this very frustrating. Thanks.
Consumer complaint received 2024-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I have been a citi bank customer for many years. my citi double cash credit card is my primary credit card. However, each time I use the card my normal every day transactions get flagged as fraud. As has become our annual tradition just as the holidays have stared Citi has decided to in XXXX hours flag my card for " fraud '' XXXX different times. Now they're telling me they can only clear the fraud alert by sending me a letter. 

So on the eve before XXXX, as I prepare to buy food for my visiting family and as I prepare for the largest shopping weekend of the year I've lost access to my card for XXXX business days I've offered to go into a branch. They wont accept that. Ive offered to overnight them any information they need. They wont accept that either. They wont even send the " letter '' they want me to use as reference express or overnight. So now its XXXX on XXXX eve, tomrorow is a holiday. At best they'll generate this letter on Friday but most likely on XXXX  of next week. XXXX business days will be XX/XX/XXXX to XX/XX/XXXX. That means potentially XXXX calendar days! 

How is this acceptable? 

If you're going to have such a hair trigger fraud system at least provide ways to clear it that dont involve me being without a card for the entire holiday season. 

Please unlock my account and stop flagging my ever day transactions as fraud.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX CARD XXXX XXXX XXXXXXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : 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
Consumer complaint received 2024-10-30
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-30
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. (FL)

Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/2024 On date XX/XX//2024, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$2100.00}, XXXX, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1700.00} XXXXXXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$1.00XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$430.00} XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Late Payment : everwise credit union.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following item was opened fraudulently and is not authorized by me : Account : ( XXXX Account Number : XXXX ) Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove this fraudulent item within XXXX XXXX XXXX  of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : XXXX. Defamation of character XXXX. Negligent facilitation of identity fraud XXXX. Violations of the Fair Credit Reporting Act XXXX. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) XXXX. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) XXXX. Failure to comply with 15 U.S.C. 1692 ( g ) XXXX. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports XXXX. Violations of the method of verification ( XXXX U.S.C. 1681i ( 7 ) ) XXXX. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) XXXX. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove this fraudulent account from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past XXXX months of this correction. 

Thank you for your immediate attention to this matter. I look forward to your swift response.
Consumer complaint received 2017-10-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

In early XXXX I recceived a XXXX loan of {$250.00} and was to pay it back in 2 weeks. The day it was due in midXXXX I was not able to pay it back. After the due date I spoke with the XXXX Mgr, XXXX at the XXXX Store and explained the problem why I could not pay yet and I hope to pay soon. XXXX, XXXX Mgr. said to keep in touch. Unknown to me when talking to her the XXXX store had been calling my employer. Sometimes the XXXX lender would call my employer and hang up just enough to annoy my employer. I finally got reprimanded and am looking for another job. The company is XXXX XXXX XXXX of California. I think this action is unfair. They contacted my employer and references within a week of being late on the payment.
Consumer complaint received 2018-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MT)

On the date of XX/XX/XXXX at XXXX UTC I made a purchase for XXXX BitcoinCash being trade ID XXXX for {$940.00} USD. On XX/XX/XXXX the Coinbase Pricing Chart had different prices from that of its sister company GDAX Pricing Charts ( please see attached photographs ). Had I not matched the two separate Coinbase and GDAX pricing graphs and photographed this evidence it would not be known. I have made Contact with Coinbase for over 6 months regarding white collar crime activities Coinbase/GDAX have been engaged in. I have filed a complaint with the Consumer Financial Protection Bureau, met with federal agents at the Federal Bureau of Investigation and filed a complaint and communicated with the Securities and Exchange Commission.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

My XXXX had XXXX on XXXX XXXX, XXXX in XXXX, FL. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then bedrest at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and bedrest, I stayed in FL and was unable to take my return flight home. 

Chase claims this is a pre-existing condition. Per the Physician 's Statement, this was not a pre-existing condition because they discovered a XXXX in her XXXX just a few weeks prior to the XXXX. Mom needed me, so I stayed in Florida to help her, which meant I was unable to take my flight home. I believe this qualifies as a cancellation due to medical emergency.
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AZ)

My wallet, driver 's license, social security card and my XXXX XXXX XXXX XXXX credit card was stolen from XXXX XXXX in XXXX XXXX, AZ. There is {$3400.00} of fraudulent charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX. The charges are all fraudulent and do n't belong to me.
Consumer complaint received 2017-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (OK)

In XX/XX/XXXXmy mother ( XXXX XX/XX/XXXX ) open an account with Care Credit at a XXXX office located in XXXX, Oklahoma, which is no longer in business. This was a promotion card that ends XX/XX/XXXX. I contacted care credit probate department in XX/XX/XXXX. In XX/XX/XXXX, I  received a letter from Care Credit stating that this account will not go through probate because they had me listed as a secondary cardholder. This is completely false! Myself and my daughter were supposed to be ONLY authorized users. Since XX/XX/XXXX, I have spoken with numerous customer service representatives and supervisors informing them of her XXXX in effort to come to some resolution over this matter. In XX/XX/XXXX, I requested a copy of the application and Care Credit told me that the application was processed electronically and a paper copy was not available. Please be advised : my mother signed a paper form at the XXXX office. Also, in XXXX, Care Credit finally closed the account and advised me the account was being forwarded to collections. ADDITIONALLY, After Care Credit was informed of the XXXX of the primary cardholder, the billing statements are now being sent in my name!! Since my mother 's XXXX, whom is the primary cardholder, I 've been receiving billing statements from Care Credit ( last one sent in XX/XX/XXXX ) and collection letters from XXXX XXXX in XXXX, Ohio, because my mother and I resides at the same mailing address. I attempted on multiple occasions to explain that my mother did not have a power of attorney and she did not have an estate and that I am NOT liable of this debit. I would NEVER consent to be a secondary cardholder or be a responsible party of such debt when I have not obtained employment over 20 years! Today ( XXXX/XXXX/XXXX ), I received a collection letter from XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ok ... in reference to this debit. As of today, XX/XX/XXXX the debit is listed at {$1500.00}. I have sent validation letters to Care Credit/XXXX XXXXXXXX XXXX XXXX, and now the XXXX XXXX of XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX. As a consumer, I feel that I am unlawfully being harassed over a debit that is not mine..it belongs to a woman now XXXX, and I would like all collections activity against me to cease and be removed from all credit reporting agencies ( XXXX, XXXX XXXX XXXX ). I am requesting a full investigation of business practices as I feel Care Credit/XXXX XXXX is in violation of the Fair Debt Collection Practices Act made pursuant to 15 USC 1692g Sec 809 ( b ).  Where is the proper validation?