davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (NV)

Chase bank has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. Chase continues to charge me for late payments even when I'm not late. chase bank has reported me five times late starting in XX/XX/2021, Chase kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. Chase has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX XXXX XXXX payment was never updated. 

Chase is also violating my consumer 's care act rights Sec.4021 & XXXX  'S Fair credit reporting rights. I proved I was affected by covied19 and needed chase to assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. Chase has been charging me late fees even when I'm on time with my payments.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (MS)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX $ XXXXXXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC (GA)

On XX/XX/2022, my case against Midwest Fidelity Services was closed through consumerfinance.gov with a statement saying my debt is not owed from the company. On XX/XX/2022, they sent me a letter still saying I owe the debt
Consumer complaint received 2022-02-02
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Synchrony bank, this company credit card is a scam for the consumer. they uses cheating system to scam the customers .they operating a corrupt system that scam the clients .they leads to making payments for non-existent lateness fee, high interest payments, fines for not paying the total debt per year, fines illegal on fines carried forward in each promissory note, carry over fines that generate arrears of the arrears for the current year, minimum charges that add very little to the original capital, at the and of the year your payments do not reflect reducing the debt account and what they doing is increase the original capital .in conclusion i recommend that this company be investigated, they are dangerous for the consumption of our community vulnerable people who needs using a credit card. I FEEL POWERLESS TO SEE HOW THIS COMPANY DEMAGE MY CREDIT REPORT WITH LIES REPORTS.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This BK OF AMER XXXX, XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

BK OF AMER XXXX BK OF AMER XXXX
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The accounts are not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


CAPITAL ONE XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX - XXXX XXXX
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OR)

To whom it May Concern : I recently received a copy of my Experian, XXXX XXXX XXXX credit reports, and I noticed some late payments posted on my credit report : U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX DEP OF XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX IXXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (TX)

FIRST I SPOKE WITH EXPERIAN ACTUAL DISAPPOINTED IN THIER PROCESS TO UPDATE INCCORRECT INFORMATION ON MY PROFILE SPOKE TO LADY IN FRAUD SHE CLAIM I DID NOT SEND RIGHT FORMS WHICH IS NOT TRUE BECAUSE THEY WHERE IN FACT THE RIGHT FORM TO ADDRESS THE THINGS REPORTING INCCORRECTLY ON MY REPORT.EXPERIAN SEEMS TO NOT BE FIMILAR WITH LAW IN REGARDS OF PROTECTING COSUMER RIGHTS ( XXXX ) I -- -INSTEAD OF TAKING TIME TO RUIN MY REPUTATION 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ). 

XXXX STILL PROVIDING GENERIC INFORMATION IN REGAURDS TO INCORRECT INQUIRIES ON MY PROFILE... THE INQUIRES ONLY REPORT ON THERE REPORT ADVISE MY FORMS WAS APPROVE BUT NO FORMAL MOVEMENT IN REMOVING ITEMS THAT I ADVISE WERE INCORRECT ON MY FILE. XXXX ALSO SEEMS TO LACK FCRA KNOWLEGDE AND RIGHT THAT PROTECT CONSUMER FROM BOGUS REPORTING AND INVESTIGATION PROCESS IN BAD INFORMATION ON CONSUMER REPORT ( XXXX ) I 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ).
Consumer complaint received 2022-02-03
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. (MD)

Trans Union I recently mailed in a couple of dispute on XX/XX/2022 and Trans Union send me letter that they was not going to Investigate my dispute i send in to them this company have violated my consumer rights and violated the FCRA laws. All my dispute i send in needs to be re investigated and update my credit report and Delete all of the MISLEADING AND FALSE REPORTING.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc (NC)

No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX  ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (PA)

I recently received a copy of my consumer report from XXXX, XXXX and Experian. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXXXXXX XXXX XXXX XXXX  Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer report!
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

credit cards and car insurance opened under my name that wasn't me capital one {$8400.00} debt dated XX/XX/2021 another capital one card for {$600.00} but i have no date on debt XXXX  for {$600.00} also no date on debt I have contacted and reported to capital one on both cards and XXXX  that it was fraud and identity theft
Consumer complaint received 2022-02-02
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. (MS)

Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

A few months ago ( exact date to be provided by Wells Fargo ) a Wells Fargo employee spoke with me and offered a " new '' deferment program which was sold to me as a program to take my past due amount and place it at the end of the loan term in a one time balloon payment. I was told this would put the account in a current status and I could start making my normal monthly payments and move forward. I was very excited at this prospect. I asked questions and never was it explained I could be turned down. I was told I would get a letter confirming and the WF rep read a disclosure which led me to clearly and reasonably believe I was enrolled in the program. 
This led me to make financial decisions for 2+ months with the belief I was going back to current and only had to make the normal monthly mortgage payment due. In a follow up collection call a WF rep was rude, hardnosed and couldn't clearly tell me I was or wasn't in the program, wouldn't be in the program or would be in the program. I never received any mailing about the deferment. 
This led me to be in an even more perilous financial situation which has caused a great deal of stress and health problems. It could all have been avoided if I was told " we will have to see if we can get you approved or if you qualify '' but I was sold the program as if it was a done deal. 
Obviously, this has led to material damage to myself, my health and my financial situation.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This account is showing late payments when clearly the status of this account is PAID. This damaging item is causing my credit scores to drop. Please investigate this matter. Otherwise, kindly fix this issue. Stated below is the erroneous account that is still reporting on my Credit Report : XXXX XXXX XXXX : {$200000.00}
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

I have tried to reach debt collection agency Mercantile Adjustment. I paid an old debt I owed to electric company XXXX on XX/XX/XXXX in the amount of {$680.00}. This amount was debited on XX/XX/XXXX. This amount still shows on my credit report and I have asked numerous times to have this removed. I also never received a letter indicating the debt was owed and this is impacting my ability to apply for housing. I disputed this twice with credit bureau XXXX on ( XX/XX/XXXX and on XX/XX/XXXX ) and received responses each time that debt was verified with the collection agency has valid. This is not accurate. Additional calls to this organization go unanswered and nobody has called me back. I need this removed from my credit report.