davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

All XXXX credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

Chase company says I have no money in my account I had XXXX in the account plus other accounts to so XXXX total. I want it back into all of my accounts. I know they are closing accounts, I don't want them taking my money at all with out my permission. I am upset angry please tell them to put it back into my account now.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/23, I pulled my XXXX XXXX credit report and noticed an unauthorized inquiry from Capital One. I am writing to complaint on Capital One because they have to permissible purpose to pull my credit report and I am concerned with the violation of privacy and the Fair Credit Reporting Act. I do not have an account with Capital One and therefore they have no right to the information contained in my credit report, I also have not applied for any of their products that would've triggered this pull. 

XXXX XXXX is allowing for companies to pull my report with no permissible purposes. 

Attached is a screenshot of their pull on XX/XX/23 from XXXX XXXX.
Consumer complaint received 2023-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HARBORONE MORTGAGE, LLC (NH)

This company has apparently had some sort of a security breach. However, that is not confirmed as the company itself has been silent on what is going on. They are not answering their phone calls- at one point they answered and said the system was down but didn't know when it would be back up, and now the automated system hangs up on you when you call. It has now been weeks of them not answering. There is now a memo floating around from a company called XXXX XXXX advising customers of Harbor One LLC to NOT given them any money. 

If the company is not able to protect their customers data, and they are not able or willing to provide a plan and timetable that they will be back up and running, they need to release the lien they have on my home.
Consumer complaint received 2023-12-02
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. (NY)

In late XX/XX/2022, I discovered that a charge-off account had been added without any prior communication from Equifax, XXXX in considerable damage to my credit history. 

Despite numerous attempts to rectify the matter, Equifax has persistently refused to remove a charge-off account from my credit report, causing substantial damage to my creditworthiness. I have submitted disputes, requesting verification documents for the account, but Equifax has not taken the necessary actions to correct this reporting inaccuracy. I am at a loss as to why Equifax continues to ignore my pleas for resolution. 

I have provided supporting documents to highlight the inaccuracies in the reported information. And Despite multiple attempts to resolve this matter directly with Equifax, the issue remains unresolved. 

I kindly request the Consumer Financial Protection Bureau 's intervention in investigating this dispute and ensuring that Equifax adheres to the Fair Credit Reporting Act. I believe that a fair and accurate representation of my credit history is essential, and I trust that your involvement will facilitate a resolution.
Consumer complaint received 2023-11-30
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

On XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately ( attached in doc ) Also, please add a promotional suppression to my credit file.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2023-11-30
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. (IN)

Inaccurate Credit Reporting ( 15 USC 16812 ) I am writing the letter to inform you that I have notified the credt bureau of misreporting by your company in accordance with the Fair Credit Reporting Act. Accoring to which, as the furnither of the aiormation in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$23000.00} Equifax : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX  : XXXX Is showing a balance of XXXX : {$850.00} Equifax : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$2000.00} Equifax : {$2000.00} XXXX : {$2000.00} When it is my understanding a reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing amounts of The following account XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$23000.00} Equifax : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX  : XXXX Is showing a balance of XXXX : {$850.00} Equifax : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$2000.00} Equifax : {$2000.00} XXXX : {$2000.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. 

Especially with the actual knowledge notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the summary of my name, my tin, the date, and the amount of the discharged/charged off debt as prescribed by the secretary. Then I demand that the account be removed from my credit report asap.
Consumer complaint received 2023-12-02
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: OneMain Finance Corporation (OH)

Back in XXXX XXXX i made severall purchase from XXXX the iteams arived damadged i contacted XXXX and requested returns for these iteams. I never recived credit for these iteams so i dispuited the charges i sent tracking numbers into brightway credit card and was told they recived this information and nothing else was neeeded i called back XXXX additional times and was told the evertyhing was fine. I then recived letters that the merchant went back to them and said i never returned the merchandise which is a complete lie i uploaded tracking numbers showing this. I got a very nasty lasy answered the phone at brightway and would not listen to me. XXXX does know what its doing. XXXX sending this cause i went this issue resolved.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a new checking account with Huntington Bank, and attempted to opt-out of arbitration per page 21 of their Consumer Deposit Account Agreement. This requires sending a written Arbitration Rejection Notice within 30 days via certified mail ( return receipt requested ) containing my name, my address, my account number, my intention to reject arbitration, and my signature. In their agreement, Huntington states they will credit the account " for the standard cost of mailing a certified letter. '' I sent this written Arbitration Rejection Notice on XX/XX/XXXX at a cost of {$8.00}, and received confirmation that it had been delivered to Huntington on XX/XX/XXXX. After receiving no acknowledgement or credit to my account, I contacted Huntington via phone on XX/XX/XXXX. Huntington 's representatives assured me they would look into the matter and contact me again. 

After receiving no contact, I called again on XX/XX/XXXX. I was escalated to a customer supervisor who looked into the matter while I waited, and assured me that she had spoken with the Deposit Account Arbitration department and that my account would be credited in the amount of {$8.00}. 

It is now XX/XX/XXXX. It has been 59 days and I still have received neither confirmation that my account is opted out of arbitration nor a credit for the certified letter.
Consumer complaint received 2023-11-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (NJ)

I received a letter in the mail dated XX/XX/XXXX that shows a debt collection and then noticed a remark and changes to my credit report via XXXX XXXX on XX/XX/XXXX. The debt collection is from Southwest Recovery Services. I called the company on XX/XX/XXXX at XXXX. A man answered who was very rude and informed me that this is a debt collector for XXXX XXXX and informed me that there is a lot of damage to a property that " I '' rented in Minnesota. The man sent me an email with all of the tenant information and pictures of the property damage. The person used my name XXXX XXXX ( maiden last name ), along with my date of birth and social security number. I then called XXXX XXXX at XXXX and spoke to XXXX XXXX ( director of sales management ). She informed me that this person rented this property from XX/XX/XXXX until XX/XX/XXXX and left willingly without being evicted. The debt is for {$8500.00}. Southwest Recovery Services Account # : XXXX, Client # : XXXX. 
This now is on my credit report and has brought my overall credit down drastically. 
I did not rent this property as I live in New Jersey and own a home here with my family. 
I went to the XXXX XXXX Police Department ( in New Jersey ) on XX/XX/XXXX and filed a police report with all of this information provided. This person is also driving with a Minnesota drivers license with my name on it. 
I was informed today ( XX/XX/XXXX ) by the same gentleman at Southwest Recovery Services that I would need to go to ftc.gov and obtain an ID Theft Affidavit and sent that to the credit bureau in order for this to be removed from my credit report.
Consumer complaint received 2023-11-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc. (GA)

My daughter took out a loan with this company and I was the cosigner on the loan. My daughter set up pymts to be taken out weekly from bank. They stopped taking pymts. I tried to send a check but the check was sent back. Their excuse is the loan is ahead so therefore no more pymts will be taken out. Now the loan is back up to over a XXXX. I want the loan paid off so we can move on with life. They are waiting for it to accrue more interest before they accept any more payments. That is unfair to allow the loan to continue to rise and we aren't allowed to pay it down. SCAM FOR MORE MONEY IN INTEREST. They will not answer the phone or email. They keep saying you can make extra payments but it will be sent back. No wire transfers, bank checks or anything. They will text back with ahead of payment schedule so no pymts will be taken out. No one will get in contact with us .We need help with this.
Consumer complaint received 2023-11-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Summary of Complaint : I am filing this complaint regarding Bank of America 's handling of a chargeback dispute ( Claim # XXXX ) for a transaction made on XX/XX/XXXX with XXXX XXXX XXXXXXXX for {$800.00}. I purchased an electric scooter, which was marketed as a sale of an existing product, not as a typical crowdfunding pledge. Despite this, the bank denied my chargeback request on the grounds that XXXX operates as a crowdfunding platform. 

Key Points of Concern : Misrepresentation of Transaction : XXXX XXXX XXXX promised 100 % delivery for every purchased perk and ensured regular updates on delivery schedules, clearly implying a sale rather than a donation or speculative crowdfunding pledge. 

Non-Delivery and Lack of Communication : Since the purchase, I have neither received the product nor any tracking information. My attempts to contact the merchant have been met with no response. 

Product 's Retail Availability : The scooter was already available in retail stores at the time of purchase, which further validates my expectation of this being a regular purchase.

Bank 's Decision on Chargeback : Bank of America denied my chargeback request on XX/XX/2023, categorizing the transaction as a donation under crowdfunding, which disregards the nature of the transaction as presented by XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (LA)

I was never late it was in deferment. 

In accordance with the fair credit reporting act XXXX Account has violated my rights XXXX5 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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 purpose Navient : account number XXXX. Dates : XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (KS)

On XX/XX/2023, Merchants Adjustment Services indicated in complaint XXXX XXXXXXXX they are in BILLING stages and not COLLECTIONS yet they advertise themselves as a 3rd party COLLECTIONS company. Merchants Adjustment Services therefore FALSIFIED their status, holding, and intention of this alleged debt in my name. Based on their FALSIFIED response to CFPB, this company needs to be investigated and held in contempt of federal laws. In my previous complaint, I also referenced the debt is related to identity theft and to cease and desist all communications. Merchant Adjustment Services failed to address those two issues in my original complaint. My FTC Identity Theft Affidavit was attached to the original complaint and in violation of federal laws has disregarded this affidavit.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (MS)

My mom, them left Me some land and they had some loans on the land now that the mortgage has win IN XXXX closures. So they're trying to put the loan on my credit history that I did not XXXX XXXX.