davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc. (GA)

i called the company back, they keep calling and not leaving messages. i called back to see who they whr they had account with a bank and agent became personal after i Verified my DOB asking how did i get this way with the account. i asked for info on the account stated couldn't give me the address on the account. i had to give it to them. i said no cause to many identity issues happen. asked for sup and she said the same thing stated they have strict guidelines. also if thy had account there is a DO NOT CALL letter on the account at the original credit company along to another collection company that has the account.
Consumer complaint received 2024-08-29
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

For a minimum of XXXX years I've been unable to log into myequifax.com to review my Equifax credit report. I enter login credentials correctly, do not use a XXXX, and have no trouble logging into other sites, but XXXX ALWAYS prevents access to my account. 
Spoke with Equifax customer service reps countless times, usually they send me a special link to get into my account, and tell me that fixes things. But every time, I can get in that once, but thereafter XXXX prevents me from logging in again, just as before. Changed passwords many times, sent copious materials by mail to authenticate my identity per Equifax ' request. Done everything Equifax suggested. Nothing has worked.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (MI)

I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED XXXX  XXXX  AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION (FL)

Im a XXXX veteran living off VA XXXX income of $ XXXX. Which is {$26000.00}. They gave me a credit card with a {$25000.00} balance. This was negligent and irresponsible and only approved because Im XXXX. If I was XXXX they would have never given me this credit card with the absurdly high limit for someone so poor. It was a setup and trap on a young person with financial ignorance. They followed none of their policies in approving me. I did not qualify for what they handed over and they need to acknowledge they made a mistake. Navy Federal Credit Union was just caught disapproving qualified XXXX people from home lones during the same period they approved me.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

Comenitybank/Victoria is reporting inaccurate information after Identity theft was filed with the FTC for unauthorized use of Social Security Card . They have not made an effort to correct any errors. Account number XXXX l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-07-19
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Attention XXXX XXXX : I applied for a Credit Card on XX/XX/year> and was denied. Contrary to your presumptions and alleged reasoning for denying me, I have the right to Full Faith and Credit, see the attached document ( s ). Your Language Fraud, False and Misleading Denial of my Own Credits is pursuant to 17 CFR 240.15c1-2 - Fraud and Misrepresentation and 15 USC 1692e False and Misleading representation. You are unlawfully and knowingly withholding access to my securities that I the bondholder authorized on the initial tender of payment/application/credit card from the certificate of indebtedness bond. Your wilful withholding of my access to my securities is defined as securities fraud pursuant to 18 U.S. Code 1348 - Securities and Commodities Fraud. You are not only wilfully violating my right to my Credits ; you are also in violation, and non-compliance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are unlawfully denying me my Credits, Retract my Application immediately upon receipt of this NOTICE, non-assumpsit. A Certified verification letter in writing/typed with the company letterhead and an Officials signature confirming my Application Retraction is required point by point, exact, for my record keeping ; non-assumpsit. Thank you for your cooperation in this matter. XXXX XXXX XXXX Beneficiary/Attorney in Fact .
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (KS)

Midland Credit Management : This company has been reporting a collection account which i have sent multiple dispute letters, validation requests, original conracts between this company and myself, proof of alleged debt, cease and decist of all comunications.. the company has failed to provide any relevant documentation reguarding my requests, it contionues to report negative information damaging my credit score resulting in denials to credit applications. niether Midland or any of the 3 major CRA 's are properly handling my disputes, they are continuing to violate my rights and damage the financial welbeing of my family and myself. i have brought my complaint to the CFPB more than once now, why is the CFPB not taking this more serious? I was under the impression that the CFPB would address this matter with urgency and stop these companies from doing further damage? Midland Credit Management, XXXX, XXXX and XXXX have all been notified of my concerns and have neglected to correct the inaccuracies!
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TN)

JP Morgan had a contract with the State of Tennessee up until XXXX. This contract was for JP Morgan to handle and distribute all child support payments that the state received. I was paid over {$2400.00} from my childs mother and never received it. I have called both XXXX  XXXX and JP Morgan more times than I can count. Both parties place the blame on the other. Neither have found my money.
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

For an account closed in XX/XX/2017, at service/billing address of XXXX XXXX XXXX, XXXX XXXX. Account was closed and balance was paid, and I moved to XXXX XXXX, XXXX CA XXXX. At no time did XXXX send me a bill to close the account. I was contacted by XXXX XXXX XXXX to collect the final bill of {$94.00}, which I paid over the phone immediately. Paid reference # XXXX. I have contact XXXX over 25 times to rectify this situation. My credit score has plummeted significantly and I can no longer qualify for loan or rent. Not only was this NOT my bill ( I was not living nor residing in the home at that time ), and I NEVER received a bill from XXXX prior to this charge being sent into Collection.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

I am a US born citizen who lived and worked in the US until XX/XX/1995 when I moved to XXXX with my XXXX Husband. I currently hold dual citizenship. 

I file my US taxes every year. 

A very odd pop up came on my phone from Equifax. The names that popped up was from my ex-husband and his sons name from his second wife for what appeared like a loan / lease for a vehicle. I have not seen or had contact with him since the mid 80 's  when we divorced. 

All three of the major credit agencies can only give me my XXXX Credit Report and Score. Because I do not have a US address they will not give me my US Credit Report and Score. I have spent hours trying to explain to them that I have literally not lived in the US since XX/XX/1995. I have tried Social Security, Federal Fraud Agency and they sent me to you. 

All I am looking for is my US Credit Report and Credit Score. If there is activity that is going and it is not mine - I just want it removed or flagged - however that is dealt with. Thank you very much for any assistance you can offer.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I have an account with Chase bank, and on XX/XX/XXXX XXXX checks cleared my bank from XX/XX/XXXX. That is XXXX years ago. I contacted Chase, and they told me the check should have never been cashed as it is considered stale after XXXX months, and they assured me they would return my money. I have now spoken with them XXXX times, and they now say they will not return my money. They did give me the smaller check of XXXX XXXX, but they will not return the XXXX XXXX XXXX XXXX. I spoke to them last Thursday ( and it is in their notes ) that I will receive my refund in less than XXXX days, but now they are refusing to refund my money. 

I contacted the payee that cashed the check ( XXXX XXXX, ) and she does not have our family listed as patients in her clinic. In fact, she said the check was attached to a XXXX XXXX birthdate of XX/XX/XXXX, but that is not anyone in our family. 

I am not trying to get out of paying this check, but I simply can not remember XXXX years ago. I don't have bank records from XXXX years ago, but I definitely feel I would remember if a check for XXXX dollars was not cashed. Honestly, neither my husband or I even remember this, and we are at a complete loss. We are simply counting on some help considering the fact that that this check is XXXX years old, and we have no way to defend or verify this claim. 

I do not know if you have access to the bank 's recorded calls, but I was told XXXX separate times my money would be refunded, and it is written in their notes by their own employees. 

Thank you, XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONWIDE ACCEPTANCE LLC (ID)

NATIONWIDE NORTHWEST LLC DBA Nationwide Acceptance LLC. is showing the incorrect amount financed, incorrect amount that was past due and the incorrect amount due as of today XXXX. I paid this off IN FULL on XX/XX/2023. This account is still showing late and reporting late/incorrect to the credit bureaus. This has been past 57 days as of today XXXX, 3 days from now will be 60 days!
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

It has been brought to my attention that the following accounts have been in my credit report without my express written permission as required as part of credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld system inc is violating my rights I dont have a contract with this company I have no idea who they are please send my wet signature on any documents that u have stating TRANSWORLD SYSTEM INC XXXX XXXX XXXX XXXX HAVE AND AGREEMENT TOGETHER CFPB I ASK THAT YOU LOOK AT THIS SITUATION VERY CLOSELY you are here to protect us from these type of practices thank in advance. I have file a FTC REPORT AND A REPORT WITH THE XXXX IF ITS NOT REMOVED I WILL SUE TRANSWORLD SYSTEM INC
Consumer complaint received 2023-07-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ZuntaFi Corp (TX)

THis loan is based off of fraud the medical company XXXX XXXX XXXX XXXX sells fraudulent services. Marketed at men with XXXX XXXX. THey don't have a set price for there service they ask a series of questions including what your annual income is and they charge you based on your income rather than for the service. ZUntafi provides the loan and they are well aware of the deceptive practices because they would have had to vet the company before agreeing to provide financing for their services. 

Charging different prices for the same service violates the law. 

Zuntafi is reporting this fraudulent account to the credit bureaus. It needs to be removed.
Consumer complaint received 2024-02-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (FL)

I'm not sure where to start here, this is the third time I've filed a complaint against these companies that have been violating my rights as a consumer for years. 
They take advantage of people like me, XXXX  who don't have the money to pay for a lawyer. 
Firstly, I never had a debt with XXXX XXXX XXXX XXXX, my debt was with XXXX XXXX. I have requested evidence by telephone and by letter from XXXX XXXX XXXX XXXX and its supposed lawyer Rausch Sturm and I have never received a response from them. 
In my last call XXXX XX/XX/XXXX at XXXX I once again asked attorneys Rausch Sturm if they represented XXXX XXXX  and they said yes ( you can see the call that they supposedly record for quality purposes ). Furthermore, I was threatened by the lady who answered the phone saying that I should not worry about paying the debt that they had already taken to court and that my account was seized, that I would soon find out what they were capable of. A threat that I don't believe is under the law. The treatment of these people has always been threatening, unethical and discriminatory. 
I called XXXX XXXX  and they tell me that this debt has been closed with them since 2017 ( 7 years ago ) and that they have no relationship with Rausch Sturm or XXXX XXXX XXXX 
Second, my original debt to XXXX XXXX  was less than {$2000.00}. Rausch Sturm and XXXX XXXX XXXX are trying to collect more than {$6000.00}. Based on what and with what right do they do this? I asked about the possibility of reaching a payment agreement based on what I can pay and they told me that the only option was to pay the more than {$6000.00}. I can not do it because I do not have the money for it and I do not owe that money to have to pay it.. 
Currently my account is seized, my rent money was taken from it. I had to borrow money to pay my rent and now I find that my account is completely seized and I can't make any payments from it. I am the head of the family, my children ( XXXX and XXXX XXXX XXXX ) and my wife will be left on XXXX XXXX and we do not even have money to eat because all the money that I have that was a loan from a relative is frozen. 
I have sent letters asking for exemptions due to my financial situation as I am the head of the family and that I earn less than {$600.00} a month with proof of my current situation and I have not received a response. 
We are a XXXX family, the government gives us XXXX  and medicaid and these people are trying to collect something that I do not owe and can not pay. What do you expect? Take my life? I have no options, I can't go under a XXXX  with my children.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

In XX/XX/2022 I closed my checking account at CitizensBank. I went into a branch and spoke with the teller on how I was leaving Citizens. She cleared out my account and handed me my money, and told me that my account was now closed. I did my due diligence by checking my online banking, and the account disappeared out of my app. I actually kept the app on my phone for periodically checking, and the account was gone without a trace. Months later I received a call from CitizensBank stating that I was - {$350.00}. I was confused because I closed the account with a teller in person. She told me I had a charge go through so the account had opened back up and then the overdraft fees piled up. I told her that I was refusing to pay because I closed out my account and she said she would get it figured out. Ive asked in the meantime, if they would report to credit because we are going for a construction loan and she promised me they would only report to XXXX at the most. I never heard back from anyone until I just received a collections notice from a law office. I am very frustrated because I did all I could to have my account closed and there was no reason that should have been opened up again. Never mind being reported to be collections agency after she told me that it would not be sent to my credit report. 


I have read article - Consumer Financial Protection Circular XXXX  Reopening deposit accounts that consumers previously closed -And believe this is exactly what happened to me. Please help if possible. Thank you so much.