davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am reaching out in regards to an account which I am not familiar with the account at all and even questioning if this is my account at all. Bank of America XXXX. 
I tried reaching out didn't get anywhere
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I filed a complaint cfpb complaint number XXXX regarding Bank of America to which my complaint was marked a duplicate enclosed or XXXXXXXX XXXX This complaint is not a duplicate complaint. This company incorrect information is still being reported. Furthermore I did not get any response through the mail even though the company said they have sent it its been over a week. Therefore this company is being non compliant and i demand my grievance be file Accordingly.
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

According to my recent consumer report the collection account XXXX was wrongly placed on my consumer report on XXXX. This action by CREDIT COLLECTION SERV, violates my rights under multiple consumer protection laws. Firstly, CREDIT COLLECTION SERV has not provided the required validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, CREDIT COLLECTION SERV placed a collection on my consumer report, which is both unfair and unlawful. Secondly, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This omission denies me the right to challenge the validity of the debt, further violating my consumer rights. Additionally, CREDIT COLLECTION SERV is using false, misleading, and deceptive means to collect this debt. This blatant disregard for ethical collections practices must cease immediately. It has come to my attention that CREDIT COLLECTION SERV has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their current actions are a clear violation of : - 12 CFR 1006.34 ( d ) - 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2024-09-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

On XX/XX/XXXXXXXXXXXX XXXX XXXXXXXX  I sent a certified letter to National Credit Syst requesting verification of a debt they claim I owe. In the letter, I specifically asked them to provide : 1. **Proof that the debt is mine**, including a lease from XX/XX/XXXX with my signature. 
2. **Evidence that they are legally authorized to collect this debt in Pennsylvania** XXXX such as proof of their licensure in the state. 

Despite this formal request, National Credit Syst has not provided any of the required documentation. I have not received any proof that I owe this debt in the amount of {$11000.00}, nor have they demonstrated their legal authority to collect in Pennsylvania. Without this information, I believe the collection efforts are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

Chime online Banking On XX/XX/XXXX Time : XXXX pm XXXX XXXX removed {$26.00} from my checking account unauthorized. 

On XX/XX/XXXX XXXXXXXX XXXX XXXX removed {$7.00} from my checking account unauthorized On XXXX or XXXX XXXX XXXX removed {$0.00} from my checking account unauthorized I gave no authorization for any of there companies to have access to my checking account. 

XXXX and XXXXXXXX XXXX XXXX  the XXXX have been redeposited into my checking account. 

I recently changed my debit card and pin number at Chime online banking app None of these businesses should have my banking information, but yet some keeps accessing my Chime online banking account.
Consumer complaint received 2024-09-20
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. (GA)

XXXX XXXXXXXX XXXX has been reporting negative on my credit for years now this account was a secured account I owe them nothing they owe me as I was never refunded my security deposit they continue to report different amounts XXXX XXXX, XXXX I've had enough from them falsely reporting if this account was negative why would they open another account for me because they know they have been reporting falsely for a very long time this company is a scam and the government is allowing them I'm gon na open a lawsuit against them and maybe then they will be brought to light of their wrong doing
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verificatio
n, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am writing to demand that you immediately cease and desist all communication with me regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby notified to stop contacting me by phone, mail, or any other means. Which includes but not limited to all credit reporting agencies.

Also in this matter myself and XXXX XXXX have an arbitration clause in our contract and the selling and purchasing of this alleged debt is a breach in contract. If this account not removed from my credit reporting I fully intend on exercising my consumer rights and taking this matter further.
Consumer complaint received 2024-09-11
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

There is {$54.00} government refund from my 2022 tax return that I've been unable to access. I have tried purchasing something from numerous department stores, supermarkets, including XXXX, XXXX etc.. I have been trying to get my funds for the past two years. This is my third replacement card. I believe that Serve is a bogus company. I did a search on AI and noticed that many others are experiencing the same problem. They say that serve is owned by American Express, but I beg to differ. I have a few Amex cards that are nothing like Serve. There is something really wrong here.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (AR)

I had a cash app credit card and a friend send me {$50.00} on Friday, XX/XX/2020 I had not used my card in a while I paid my internet bill and that was no problem, when it tried to pay my XXXX  XXXX  account the transaction was declined four o five times And I followed the process to let them know the card was not stolen I request that cash app close my account and transfer my balance to my debit card at my personal bank immediately. You pay XXXX cent for this transaction The money is not in my acccunt.
Consumer complaint received 2024-09-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (UT)

I made a payment on my HELOC, and the mortgage processor received and recorded the full amount received, but has only applied the interest portion of the payment. They did not apply the principal amount paid. There are technical issues with their platform and I don't trust that they are properly processing payments. I have contacted customer support many times and have found that prior tickets that have been opened were closed without the issue being resolved. My loan continues to accrue interest for principal that I have already paid off. 

I don't trust Shellpoint Mortgage Servicing, and I would recommend any lender that is using them as their mortgage servicing provider to find a new provider. Your reputation is at risk.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/2024 CFPB Case XXXX Follow up to Case # XXXX American Express XXXX has not complied with CFPBs order to cease and desist. I received this email from XXXX on XX/XX/2024. 

This latest email must be on programmed auto send function. They need to remove my case and email from all its systems and databases since the preprogrammed codes will auto-send again. Please see attached XXXX for sender 's information. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/year> CFPB Case 3 Follow up to Case # XXXX American Express Collections has not complied with CFPBs order to cease and desist. I received this email from XXXX on XX/XX/year>. 

This latest email must be on programmed auto send function. They need to remove my case and email from all its systems and databases since the preprogrammed codes will auto-send again. Please see attached PDF for sender 's information. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (NV)

On XXXX I received a text message from PFC collections stating I owe them {$100.00} in an attempt to collect a debt. I have never done business with this company and have no knowledge of owing any company {$100.00}. I called XXXX on XXXX and spoke to XXXX, gave the account number and asked for a debt validation letter to be sent, he refused and disconnected the call.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (OR)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (PA)

I notified BRIDGECREST FORMALLY KNOWN AS XXXX ABOUT MY FRAUDULENT ACCOUNT ON XX/XX/year>. I SENT IN MY FTC REPORT, MY LICENSE AND MY XXXX  INFORMATION.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have multiple Accounts opened by my deceased husband, we didn't find out until after his passing. XXXX passed on XX/XX/scrub>XXXX He was my payee I thought my son and I could trust him but after he passed I learned he gave out my insurance card and my social security card to people be case we had found pictures in his phone and then a friend went online to discover he was using my credit. My lawyer advised her to dispute everything since i'm not XXXX XXXX and have a XXXX XXXX and not able to fill of fill out an application.I struggle to read. I have a low read ing level. My late husband left me with a lot of bills and debt and I'm just trying to finish the rest of his mess so I can move on, I'v already had to pay a settlement with chase bank where he was my payee at the time and not sure how he opened a credit card in my name. I just learned recently payees aren't even aloud to do that, not even on a payee account. either way I was stuck paying for it. I needed to use that bank for myself and my current payee. ( I had to get help to have this done )
Consumer complaint received 2024-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NC)

I opened my XXXX  savings account and added my XXXX and XXXX  account. From last 6 months the money I am receiving from XXXX and XXXX I was transferring to Apple savings account. 

All my funds are now in Apple savings account like XXXX. I initiated a transaction on XX/XX/XXXX for XXXX to XXXX, they said the transaction went into review. No one from the review team contacted me and directly went into declined state. Upon my call to the specialist team, they informed I had to split the transaction to XXXX to chase and XXXX to XXXX. I did as per their advise XX/XX/XXXX. XXXX was successful but XXXX went into review again, since then I was following with the several teams within the savings account, they said they can not expedite the review process. I explained my situation that I had to close my house and I could only do when the funds will be available. I have been calling 2-3 times every day, all they say is they do not know when the review will be completed and upon completion it will take 1-3 business days for my funds to be available. 

Their customer team is such a useless team, every time I call they give me a different answers every time. When I called them on XX/XX/XXXX at XXXX XXXX  they informed that the transaction has been approved, after that information I informed my attorneys and agent that the transaction is successful and the funds will be available next day, on the same day I again called at XXXX only to realize that the review has not been completed and it is still being reviewed. I was literally fooled in front of other by savings team. I am under XXXX state and my mental state is not well because of this. Today XX/XX/XXXX I spoke to them for XXXX minutes ( at XXXX ), it has been 48 hours since I initiated my transaction on Monday ( XX/XX/XXXX at XXXX XXXX  ), and even after 48 hours they still can not answer me on whereabouts of my funds. They are still saying it is being reviewed whereas no one from savings team or reviewing team reached me as of now.
Consumer complaint received 2024-10-14
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. (DE)

I requested by phone my credit report from all XXXX reporting agencies. I first contacted them about 6 months ago and each bureau stated it would be in the mail. Nothing came. so XXXX weeks ago I contacted all XXXX reporting agencies again. They also told me again I would receive my report in XXXX to XXXX business days. Still no reports
Consumer complaint received 2024-09-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

This account need to be fully closed out and dispute as unauthorized I never open it Account ending in XXXX. And please stop generate new accounts and new accounts numbers I am not requesting by law and please remove the accounts off all XXXX of my credit bureau reports etc. My ssn is XXXX etc
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (OK)

I been getting the run around from chime customer service about a deposit return from XXXX XXXX XXXX XXXX office located in XXXX AZ for rental car rented on XX/XX/2024 and returned in XXXX XXXX on XX/XX/2024. Original amount was {$160.00} until I kept the car 1 extra day bring it to {$120.00}. I contacted XXXX XXXX XXXX management which confirmed the exact amount and date the deposit was sent to chime being {$120.00} on XX/XX/2024 where chime denies receiving deposit and each chime agent gives me different excuses each I contacted them and i have not received my deposit yet.
Consumer complaint received 2024-09-11
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: AMERICAN EXPRESS COMPANY (GA)

To whom it may concern, I have several American Express business and personal credit cards all of a sudden. American Express basically decrease my limit. My credit limit on all of my business and personal credit cards. For no reason, I have never missed a payment. I made all minimum payments because I was doing other business with the cards all of a sudden, they requesting bank statements and decrease my credit limit for no reason. I have a perfect credit score of XXXX and now my credit score have dropped dramatically because of their decrease in my credit limit.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

Sent validation letter to XXXX XXXX XXXX XXXX - a collections company about an alleged debt with XXXX. XXXX would not acknowledge my complaints about my not getting any phone call reception or phone calls I made out.
Consumer complaint received 2024-09-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (FL)

I purchased a gift card for {$170.00} on XX/XX/year> and still today XX/XX/year> the money has not been credited to the gift card and they keep stalling. Vanilla gift card and been emailing InComm and no reply.