davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I am filing this CFPB identity Theft Affidavit to report a fraudulent account appearing on my ChexSystems consumer report which i do not recognize as reported and which are the result of identity theft and fraud. This Fraudulent account consist of a bank personal checking account opened at XXXX XXXX XXXX XXXX under XXXX/ACCT # XXXX, closure date XX/XX/year>, charge off balance {$1300.00}. Inaccurate names XXXX XXXX XXXX. These accounts have resulted in fraudulent charge offs, hard inquires, and personal information appearing on my ChexSystems consumer report and FICO Credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and ChexSystems consumer reports, that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystems 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. 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 2024-10-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stenger & Stenger, P.C (GA)

Subject : Formal Complaint Against Strenger & Stenger, P.C. and Associated Collection Agencies Reference : XXXX XXXX XXXX XXXX XXXX Reference : XXXX Dear CFPB, I am writing to formally submit a complaint against Strenger & Stenger, P.C., located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX, as well as its associated collection agencies, including but not limited to XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and others. 

Despite having previously reported this matter to your office, I have recently received several letters from this collection agency attempting to collect a debt that is not mine. This collection effort is in relation to an account purportedly held with XXXX through XXXX XXXX  ( account number : XXXX ). 

It has come to my attention that Strenger & Stenger, P.C. has been operating under multiple names, exceeding ten different business registrations, which appears to be an attempt to obscure their identity and continue their collection efforts in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have previously communicated with CFPB regarding this matter, and I request your assistance in mandating that Strenger & Stenger, P.C. and all associated entities cease their collection efforts and remove any erroneous records from my credit report, as they have been instructed to do in the past. 

I kindly ask the CFPB to investigate this matter and take appropriate action against the collection agency for their repeated violations of consumer protection laws. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-10-09
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: Opportunity Financial, LLC (CA)

I notice this acct # XXXX XXXX XXXX has been charged off and you never sent me a XXXX you be so kind and send me a XXXX for a cancellation of debt on this due to my financial hardship.It would be greatly appreciated thank you
Consumer complaint received 2024-10-08
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: Bridgecrest Acceptance Corporation (MI)

I am filing this complaint against Bridgecrest for their failure to properly reinvestigate inaccurate information reported on my credit file. I disputed an account that Bridgecrest is reporting under my name because I believe the information is inaccurate and not related to me. Despite submitting a formal dispute, Bridgecrest has failed to comply with the reinvestigation requirements under the Fair Credit Reporting Act ( FCRA ) Section 1681i. 

Bridgecrest has neither conducted a reasonable reinvestigation nor provided me with any documentation supporting the accuracy of the information in question. I have not received any communication or confirmation that my dispute has been adequately addressed, and the inaccurate information continues to negatively impact my credit profile. 

Bridgecrests failure to reinvestigate this matter is in violation of the FCRA, which requires them to investigate disputes in a timely and thorough manner. Their lack of action is causing harm to my credit standing and financial well-being, as the inaccurate information remains on my report. 

I request that the CFPB assist in ensuring that Bridgecrest complies with its obligations to reinvestigate this disputed information, provide me with a clear resolution, and remove any inaccurate data from my credit file if it can not be verified.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (PA)

Both XXXX and XXXX have failed to remove the debt although it has been proven through multiple disputes that debt validation guidelines/items that were requested from the collection agency via mail in XX/XX/year> were not met by the collection agency. I have filed disputes repeatedly through XXXX and XXXX. These credit agencies have ruled in the favor the of the collection agency I am disputing even though I have not yet received a response to the debt validation letter from the collection agency ( I.C. System Inc ) The debt reported to my credit by I.C. System Inc is not mine and debt validation requests have been ignored. The charge should have been billed to my secondary insurance at the time ( XXXX ) if the agency found that my primary insurance at the time that was provided by my employer ( XXXX ) did not cover the charge. Instead of taking these steps, I was billed instead while having both XXXX and insurance through my employer. I have since opted out of the insurance provided by my employer, as I have switched to a salary position beginning XX/XX/XXXX and now have another health insurance provider through my employer. Either way, at the time of the charge, I should not have been billed as this charge could have and should have been covered by XXXX when I had XXXX. I have attached a copy of the debt validation letter that I sent by mail to the collection agency, and that has been uploaded to both XXXX and XXXX dispute centers in attempt to dispute the debt. The collection agency has failed to meet the guidelines of the debt validation letter and yet, I the reporting agencies mentioned have not removed the account from my credit. I have the right to the information requested in the debt validation letter within a reasonable time. This standard has not been met and
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MN)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX  XXXX Date of inquiry : XX/XX/year> XXXX  XXXX  Date of inquiry : XX/XX/year> Late Payment : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX** XXXX  XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXXL XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, ND XXXX Also Known As : XXXX, XXXX, XXXX  Employers : XXXX XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

This letter serves as a direct and final demand for you to immediately cease reporting any and all information regarding the collection account youve placed on my credit report. You are in blatant violation of 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ), which specifically prohibits debt collectors from communicating false, misleading, or deceptive information to third partiesincluding credit reporting agencies.

Let me make something abundantly clear : furnishing information to credit bureaus is absolutely a form of collection activity. By continuing to report this account, you are intentionally using credit reporting as a weapon to pressure me into paying a debt, which is underhanded and deceptive. Youre not fooling anyone by disguising this as anything elseits nothing more than an attempt to extort payment by damaging my credit.
Consumer complaint received 2024-10-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IN)

Attention lending team. I applied for XXXX XXXX XXXX XXXX  on XXXX and got denied, regardless of the reason for being denied I have the right to credit. Withholding my access to my securities is security fraud. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. 


Equal Credit Opportunity Act -Denying me access to my credit is discrimination
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Info : Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

i deporit an XXXX money order that is XXXX $ in a chase atm branch at XXXX XXXX XXXX XXXX XXXX  XXXX  ny XXXX today they told me that that check was fraudulently but the XXXX  company does existed.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 


I WOULD LIKE THE FOLLOWING ACCOUNTS DELETED WITHIN 5 DAYS. 

ACCOUNTS ARE : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX AND XXXX XXXX XXXX. 

PLEASE DELETE THE INQUIRES REPORTING ALSO. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (MD)

I received correspondence in mail from Penn Credit Corporation regarding and electric bill due to XXXX electric company for an address in NY. I have never resided in NY nor do I have family in that area. I was told to contact XXXX directly which I did. I was instructed by ConEdison that I need to contact FTC and also my local police station to file a report, I am in the process of doing so. The amount owed {$1500.00} and per XXXX @ XXXX, the account was opened XXXX and close XX/XX/XXXX.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2016-01-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I started a XXXX campaign for a friend that was in need and enough funds were raised to help him via this site and WePay. After the funds were delivered there were several charge backs from credit cards ; I believe that once sufficient funds plus extra were raised some decided to cancel their donations. The WePay site said that I owed them money and they were going to collect by auto withdrawing from my account. This morning I was negative in my account. My bank, Chase, allowed this to happen without my permission. I called them and complained severely. Saying that only I, and the Govt. are allowed access to my funds. I need help with this, and/or report them.
Consumer complaint received 2024-08-19
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. (FL)

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 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IA)

* XX/XX/year> - Signed a contract as a XXXX XXXX XXXXXXXX  as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. A {$25000.00} sign on bonus guarantee was part of the contract to cover moving expenses * Received {$25000.00} sign on bonus in the mail after signing contract & onboarding * XX/XX/year> - deposited check in person at my local Chase branch in XXXX XXXXXXXX, IA. Received no questions about said check & was made aware funds will be available XX/XX/XXXX after a holding period. 
* XX/XX/XXXX - received notification by both email and mail my account would soon be closed to protect against fraudulent activities. 
* XX/XX/XXXX - I called Customer Service to address the situation and was told account closure is only something that would happen if the check did not clear. I would only need to use number verification system if I needed my funds prior to XX/XX/XXXX which I did not. 
* XX/XX/XXXX - {$25000.00} check balance was made available to my checking account * XX/XX/XXXX- Chase account was closed with the {$25000.00} balance in my checking account without my knowledge. 
* XX/XX/XXXX - visited XXXX XXXXXXXX Chase branch in person and was told by a banker my account was permanently closed and I would receive a cashiers check with my funds within 2-3 weeks. 
* XX/XX/XXXX - Called Chase customer service to determine timeline of when to expect funds, since I need these funds to move across the country and begin my career as a dentist. I was then told my funds were suspended and not to be released until a number verification. I was then told these funds could be held forever, and I likely would not see them back. Representative asked for verification number for the check and the multiple numbers given by my employer & employers bank did not match their Chase verification system. 
* XX/XX/XXXX - Met with Chase banker & was made aware these funds are in suspension indefinitely until I can confirm a number verification through my employer. I was made aware this is the only verification system Chase offers & refused alternatives that my employer offered to authenticate check in person or through notarized letter. 
* XX/XX/XXXX - Contacted accountant through employer to make them aware of the case and was told Chase had cleared the check form their account back XXXX and that there are no other numbers associated with the company or the companys bank to verify this check. 
* Additionally, this circumstance falls under Unfair, Deceptive, or Abusive Acts or Practices Unfair, Deceptive, or Abusive Acts or Practices due to Chase 's unfair treatment in abruptly closing my account and indefinitely suspending access to funds without clear justification or communication. Additionally, the deceptive handling of my account and refusal to accept alternative verification methods imposed an unreasonable burden on myself & employer, undermining access to my legitimate earnings & ability to pay for a cross country move to begin work.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

The latest Activity date of XX/XX/XXXX which Equifax and XXXX are both reporting is Incorrect. The correct Activity date IS XX/XX/XXXX. The last Activity date for XXXX XXXX XXXX collection agency should reflect is XX/XX/XXXX. Not XX/XX/XXXX. I have disputed this several times by phone and XXXX to no avail. This is detramental to my credit and needs to be rectified.
Consumer complaint received 2024-08-19
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. (LA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15U.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.