davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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: JPMORGAN CHASE & CO. (NE)

During the XXXX of 2019. I had check stolen. I also misplaced or lost a bank card. Another card had expired. Looking back on this I think its fraudsters. 
I was getting emails from Them and I looked into it. I had also had the same thing happen to me from another card company. My wife thought someone committed fraud on us.
Consumer complaint received 2018-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been disputing this information for XXXX and the information is sometimes removed and replaced with some other false information, I dispute this information and it has been removed before, CFPB has assisted me in the past, As of XX/XX/XXXX, the false information has reappeared on my credit profile and I would like it removed as soon as possible.
Consumer complaint received 2023-09-14
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: General Motors Financial Company, Inc. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXXXXXXThis item was reflected as a late payment on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC (MI)

Applied for forbearance XX/XX/23 due to XXXX and huge reduction in income leading the inability to make payments short term. Flagstar has continued to provide NO communication or support regarding this process and instead has been misleading, sloppy, and unknowledgeable. Each call I make is different information and never consistent. All documents sent and not completed on their end in a timely manner leading me past the 60 day policy they have causing me to be unapproved. Appeal is pending as of yesterday due to their negligence. I have timeline of descriptive details regarding the process and have started the process of obtaining a lawyer to see how to proceed. Flagstar has the reputation of never offering assistance to their customers and in fact makes profit off of foreclosure which is why they are so negligent for their own benefit. This information coming from housing counseling who have worked with then multiple occasions.
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

I am a XXXX XXXXXXXX XXXX  member. I have auto loan with bank of america. they already asked me to submit my XXXX order and already approved and applied XXXX  benefit to my account. But when I apply the auto loan, the interest is still higher than 6 %. I told them to fix it but they said they could not do it.
Consumer complaint received 2023-09-13
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. (TX)

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 an account without my written instructions
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

I am writing to bring to your attention certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon.

Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions.

Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint regarding a dispute I raised regarding an account on my credit report. Despite my efforts to rectify the issue, the account has been inaccurately verified by the reporting agency. I am seeking your assistance in rectifying this matter. 

Account Information : XXXX XXXX XXXX XXXX Experian Under the provisions of 15 USC 1681 a2 and 15 USC 1681 s2, it is my understanding that I have the right to request the information that the reporting agency received from the creditor in response to my dispute. However, when I requested this information from the reporting agency, they failed to provide it.

I firmly believe that the account in question has been incorrectly verified. I respectfully request that you conduct a thorough investigation into this dispute and take appropriate action to ensure the accuracy of my credit report.

I understand that it is within your authority to compel the reporting agency to provide the information they received from the creditor as part of their verification process. This information is crucial in demonstrating the accuracy or inaccuracy of the reported account.
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I had XXXX XXXX in XXXX of 2022. XXXX XXXX XXXX XXXX XXXX insurance plan clearly states I have a {$100.00} copay. The morning of my XXXX when I checked in, I paid the {$100.00} copay. I have the receipt. It is also on my bank statement. The medical provider referred me to collections. My debt was changed to 3 different debt collection agencies. Each time I fought it and provided proof of payment rendered. I now feel harassed and am tired of explaining it to new people at new debt collectors. They called me at work, which was embarrassing. I even called XXXX XXXX to see what I should do. The agent on the phone said it clearly shows I paid the {$100.00} copay. Im not sure what to do next.
Consumer complaint received 2023-09-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (PA)

This is a continuous debt collection that resulted in Identity Theft with a provided Police Report when Net Credit ( try to collect ) as of XX/XX/XXXX XXXX. CFPB Reference Complaint NumerXXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX has made several attempts to Collect and pulling hard inquires report my credit report trying to collect a pay day loan that was a result of identity Theft ( XXXX XXXX XXXX 

I have disputed this numerous of times and it was resolved in XXXX. The Debt Collection Agency again as of XX/XX/XXXX is trying to collect. 

Reference of Older Case in XXXX ( Resolved As Not My Account do to identity Theft
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

I received a case debit card in the mail on the week of XX/XX/. 
Stating that I had a account and needed to activate my card so I called the number to see what was goin on they kept asking for my SS number and I wouldnt give it to them so they eventually keep me on hold for two hrs so I hung up and this week on XXXX I went in to a local chase bank branch and gave them my info they pulled up the account that has been opened with out my consent it has a XXXX Indiana phone number attached to it but my name SS number and address the only thing that didnt match was the phone numbers and they refused to close the account for me. Or give me any info on the person that opened the account.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Andreu, Palma & Andreu, PL (FL)

Hello, Yes, I got a XXXX XXXX XXXX  and I was making the payments on time and when they increased my limit, I was using the credit card thinking I could pay it off I went through the hardship program trying to get help and time to pay it off. Unfortunately, I wasn't able to, and the debt got sent to a collection agency called XXXX XXXX XXXX and they kept sending me notices even after I moved, they found out where I lived and continue to send notices through XXXX. Upon yesterday I received a letter from ANDREU, PALMA, LAVIN & SOLUTIONS, PLLC stating that I have a violation notice stating that I owe {$1500.00} and I am thinking I could get in trouble and because I am on a fixed income, I don't know how I am going to pay what they say I owe. 
Thank you
Consumer complaint received 2023-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

I deposited my settlement into Navy federal credit union on XX/XX/XXXX navy federal took {$6000.00} on XX/XX/XXXX for a credit card debt from my wife 's and I joint account. this was from before our wedding and has been sitting empty with low funds for years but they decided to take the money out to pay a Delinquent account that was in collection for a credit card debt. The internet states that they can not take it for a credit card debt Under the protection act. When I called yesterday, they were very nice and said that they should read. Turn the money back cause. It shows that I deposited it with my settlement check. And that it shouldn't have happened out of the joint account today, XX/XX/XXXX the lady I spoke with was not helpful at all very rude and told me that have ever write to take my money for her account. Even though it's a joint account, but they also had the wrong address for my wife. So we never received any paperwork for the debt in the first place. 
And it's under her maiden name we could have set up payment prior if we had know. About the debt.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK (FL)

I was very sick over the last week and my account went unattended, and we had other sickness in our household. I lost track of scheduled debits which caused an overdraft where I was charged {$72.00} on XX/XX/2023 then this caused another overdraft two days later of {$36.00} totalling {$100.00}. I had money in my business account, but due to being sick, failed to move it over. I've tried to work with the bank in the past without success. I'd like the {$100.00} refunded. This was an isolated incident I believe.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX  XXXX  XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (TX)

I called XXXXXXXX XXXX  3 years after moving out asking about my deposit. Before moving out in XX/XX/XXXXXXXX  I was helped by a lady named of XXXX XXXX who helped me out in the moving process. I left all my new information with her liked she asked me to for when they cut my deposit check she would forward it to my new address, and NEVER received it. XX/XX/XXXXXXXX  I contacted XXXX XXXX asking about my deposit check the guy was rude and asked me for my information when I asked if he could verify the charges. He said someone from the office would contact me. Instead of someone from XXXX Two weeks later I see a collection from KIMBALL TIREY & ST J ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) for the amount of {$210.00}. Date Opened XXXX. I emailed XXXX XXXX in XXXX to find out that she no longer works there also tried to contact the manager and he is not there either as of XX/XX/XXXXXXXX   no response from anyone, but these credit ppl. The two people that can verify I don't owe this debt that XXXX owe me my deposit. I have been told by other residents that this has happened to others also. I would like this removed from my report. XXXX has deleted it XXXX and XXXX has not. 
Thank you
Consumer complaint received 2023-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (CA)

Created this account to credit build, decided to cancel and close out the account. Later reported that I owed {$60.00} for the ( XXXX XXXX monthly payments ), however, the monthly payments were not notifying me that I was owing still, I cancelled the account.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 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
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I have a Best Buy credit card and they charged me over 20 late fees because the payment of the card was on the 4th I only paid it on the XXXX they also never sent me any statements the only payments I got to my house where when it was already a late notice I continued paying them for 12 months as I thought the balance was paid off I owe XXXX $!!!! I pay all my bills on time the reason this happened was because they failed to enroll me in paper statements and never notified me that I was late not 1 time. Its wrong for me to think I have a credit card paid off when there not contacting me and there letting me pay late fees every month charging me XXXX dollars because I never ever seen a statement I only received a bill after the original bill was already late that I never received, month after month the bill that was sent to my house was a bill stating I have a balance to pay that was it. Comes to find out Im XXXX late on payments for 20 months. Thats ridiculous
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (TN)

I removed my Auto Pay prior to the XXXX date that it was scheduled for. 
Therefore, I did not make a payment for XXXX. This is relevant because a web payment was made by the company taking money from my checking account in the amount of {$1000.00} on was initiated on XX/XX/XXXX for XX/XX/XXXX. Not only did they take the money without my authorization, they reactivated my auto pay option. 
I found this when I logged into my bank account this morning XX/XX/XXXX. 
They did not tell me they were going to do this. They did not have a court order to do this and they certainly did not have my permission to do this. 
I have removed my bank information from my profile and removed the auto pay option again. 
As proof of deactivating the autopay, no payment was made on XX/XX/XXXX for the XXXX payment. Previous months do have payments made on the XXXX of the month. 
I have inquired as to why they did this and was not given an answer. 
I would like my money back as I need it for living expenses. I can send screenshots of the transactions, but I need to know if you need just the transaction or the day 's transactions.

The company is Elan Financial Services.
Consumer complaint received 2023-09-13
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. (FL)

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

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

Commencing on or about XXXX XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfer and debit card, and through intermediaries named XXXX  and XXXX in the total amount of XXXX USD utilizing Wells Fargos services.