davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Over the last two years I have had egregious debit card fraud through Citizen 's Bank. I have tried to report it numerous times over the past 2 years, I would call in to customer service, 'file ' a complaint, and then call back to be advised the claim was never filed. I went into the XXXX branch of Citizens in XXXX numerous times to try and file it, in which they told me they were understaffed and could not help me and they are now saying that I claimed I didn't have time, when reporting it was the main reason for my being in the branch! 

On XX/XX/XXXX, I finally had a claim submitted for SOME of the fraud. Transactions from XXXX and XXXX totaling XXXX dollars. On the 8th day of the investigation, they refunded me only partially for the claim, only paying the first two months of the fraud, even though the entire claim was deemed fraudulent. 

I want the other half of MY MONEY that I trusted to deposit into this bank, in which they will not refund me for unauthorized transactions. Transactions I tried to resolve for TWO YEARS.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NC)

I applied for a business credit card on XX/XX/XXXX and called in onXXXX apparently there was an issue with my social security number. The first woman was XXXX and I Was told that I was denied for reasons such as,1 chase card balances grew too fast compared to limit/time on file ( amount was XXXX out of a XXXX limit ) 2 too many active/too much available credit ( I had a new credit cards opened XXXX XXXX XX/XX/XXXX and chase XX/XX/XXXX a XXXX in XX/XX/XXXX and a XXXX XXXX in XX/XX/XXXX ) 3 business too new ( 2 months ) 4 too many recent requests for credit or reviews of my credit ( only three in 5 months one for a car and two for the credit cards ) I was told that paying down the credit on my chase card would help in a reconsideration and payed down about XXXX out of the XXXX. Was still denied a second time. With more reasons some which were different. for the recon reasons 1 too many accts with balances ( I use my credit cards for everyday spending so 2 XXXX XXXX cards with balances of XXXX and XXXX XXXX with XXXX out of XXXX limit XXXX XXXX XXXX out of XXXX but has 0 apr and the chase with XXXX. 2 business too new ( two months ) 3 insufficient business revenue ( XXXX in two months more than a lot of ppl make in two months in ADDITION to what I make from a whole full time job AND a part time job ). When I called back for the recon the underwriter I SPOKE to said she would recommend an approval but it has to go to a second review after her this woman was XXXX. That is the one that was denied. It seems very odd that any of the XXXX ppl I spoke to or reviewed my application were uncomfortable lending giving me a business credit card but the only XXXX underwriter I spoke to wouldve approved my application. Underwriting is so XXXX and subjective its ridiculous. My first chase application was only approved after I spoke with someone who ALSO happened to be a Person of XXXX. It seems that chase is unwilling to give people of XXXX with small and budding businesses credit unless the underwriter themselves are also of XXXX. Very discriminating organization. Beware.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (NY)

I sent the Validation to this company on XX/XX/XXXX. At the same time I sent dispute to XXXX, XXXX and XXXX disputing this account. 


ON XX/XX/XXXX I received the results of investigation from XXXX, XXXX and XXXX staying the account was validate from your company. 
As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. 

On XX/XX/XXXX I received your debt validation responses. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

This Company violated the FCRA because Once you dispute the debt, the debt collector must stop all debt collection activities until it provides you with proof that you actually owe the debt. Witch in my case, they didn't stop collection activity and validated this account with the credit bureau before provide me with proof that I actually owe the debt As I am sure you are well aware, under FDCPA Section 809 ( b ),  you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

Also, This company Violated the FDCPA because I never received from this company, " RIGHT TO NOTICE OF DEBT ''
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

We received a letter, dated XX/XX/2019, from Mr. Cooper stating they received and paid a new insurance policy, from XXXX XXXX, for our home owner 's insurance. We have home owner 's insurance covered by XXXX XXXX, which isn't due until XX/XX/2019. We were advised to call XXXX to make sure the policy was cancelled and request the refund be returned to Mr. Cooper. Since we had not changed our home owner 's insurance carrier, my husband called Mr. Cooper and inquired about the payment of {$420.00} that was withdrawn from our escrow account. He was provided with the Policy #, and name of a neighbor, in our same condo complex, that the check was issued for. This neighbor has same last name as us, and is in 2 units down, from us. My husband explained, that was not an invoice for our home owner 's insurance, and we did not change coverage. Explaining they had withdrawn money from our escrow account, in error, and we are requesting it be replaced. He was advised he would have to contact XXXX about the confusion, because the check had already cleared. My husband was back and forth with Mr. Cooper and XXXX, for over 3 hours. he was placed on hold for 30 minutes, at a time with Mr. Cooper, and was again told that Mr. Cooper could not solve the issue, it would have to be solved by XXXX. We feel strongly that Mr. Cooper should be held accountable for withdrawing money from our escrow, for a bill that did not reflect our name or address, and re-deposit the funds, that were withdrawn. It is impossible to speak with anyone of authority at Mr. Cooper. I therefore, wish to submit this complaint to CFPB.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (CT)

I am not liable for any debt with Credence Resource Management and have no contract with them. They did not provide me with the original application like I asked and they repeatedly call before XXXX and after XXXX XXXX and on the weekends.
Consumer complaint received 2023-09-26
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)

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.

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 15 U.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.
Consumer complaint received 2023-09-26
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.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.
Consumer complaint received 2019-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CHALLENGE FINANCIAL SERVICES (CA)

challenge financial services has been harassing me and people that have nothing to do with this loan. i have been trying to resolve this issue with the rep XXXX XXXX XXXX, he is really rude and unprofessional, he has been reaching out to people that know me threatening them that to let me know that he is going to pick up my car. I am very good with payments on my car just this month i fell behind because i just got another job. I've been paying this car for 2 years. I asked for a week extra time to be able to pay it but the Rep XXXX is not willing to help, instead he threatens me.
Consumer complaint received 2023-09-26
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On multiple occasions i made appearances physically inside 3 seperaate branches of the bank, so i could speak to the branch mananger in prrson about all of the issues and problems i was experiencing with XXXX XXXX. I also contacted their customer complaint department on 4 seprrate occasions with no resolution they expidited my complaint to upper managment and i haven't heard a word from them since the last call i made to them and that was XXXX of XXXX. I knew about the Banks illegal activities and their fraudulent Morgage practices and illegal kickbacks back in XXXX  because i was being scammed by them personally. They were involved with XXXX XXXX XXXX and the Apartments I still live stealing government funds from HUDS section 8 vouchers.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

This complaint is regarding the debt in collection in the amount of {$94.00} being reported by IC System opened XX/XX/2019, being reported on my XXXX credit report. 

This amount due was when I had an account with XXXX XXXX XXXX, prior to it being taken over by XXXX XXXX. When I had my account with XXXX XXXX XXXX, I resided at XXXX XXXX XXXX XXXX. When I moved from that location, I turned in all of my cable boxes and equipment and asked what any remaining balance I had due, which at that time was {$94.00}. That amount was paid at that time in person. This was also either at or very close to the time XXXX XXXX XXXX was making the transition from XXXX XXXX XXXX to XXXX. 

When I moved to my new address, I did not have services put in my name. However, I did receive one remaining piece of mail at my new address from XXXX XXXX XXXX, stating I owed {$94.00}, at which time I called XXXX XXXX XXXX and was told, I did not owe that amount as that bill generated close to the time I turned in my boxes and paid the {$94.00} in cash and that it was an overlap. I had a {$0.00} balance. 

I received no subsequent mailings or billing statements from XXXX XXXX XXXX. In reviewing my credit report, I discovered the account in collection with IC Systems for the {$94.00} bill from XXXX XXXX XXXX now XXXX. The first time I called IC Systems was on Tuesday, XX/XX/2019, at which time, they confirmed they still had the incorrect address for me on file which is why I never received anything in the mail from them. Otherwise, I would have taken care and disputed this sooner. 

I have also disputed this through XXXX and it is my understanding it has been removed from my credit. I am likewise, requesting it is deleted from any and all other credit reporting bureaus such as XXXX and also XXXX and no additional collection or judgement or public record activity be noted.
Consumer complaint received 2023-09-26
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. (NJ)

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 investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix 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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX .
Consumer complaint received 2024-08-30
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Please remove this inaccurate information on my credit report In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$95.00} XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX BANK XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (FL)

Executive Office of XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to me Dear XXXX XXXX XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your inquiries have been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to email XXXX Sincerely, XXXX Executive Office of Customer Advocacy I responded with XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to executiveoffices XXXX When will I receive a response since you gave me no warning about my limitations? What is your position in the Executive Office? You seem evasive you haven't provided your last name. Will my disputes be resolved quicker so I can be done with XXXX  ; there was no respect for me. 

XXXX I have yet to receive a response from the this very profitable company.