davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. There are still inquiries reporting on my credit report. They have 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. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MI)

XXXX mother 's credit card number was circulated through assisted living 's email directory via an email that was copied to every XXXX  who is involved with her XXXX  needs. Visa is refusing to cancel the card unless I send them the power of attorney form by FAX, which I can not do because I am in the XXXX right now, and there are no FAX machines here and I do not have access to the power of attorney form that is in my files in the United States. 

So they are refusing to cancel the credit card. Now every caregiver has my mother 's credit card.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (DC)

XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. The last company is listed as Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

on XXXX TransUnion issued My Investigation Results stating that the bankruptcy reporting on my credit profile was being reported by XXXX XXXX XXXX ARKANSAS was verified as accurate. I have attached the documented stated from XXXX XXXX XXXX XXXX date on XXXX That the US Bankruptcy Court DOES NOT provide any information to the Credit Bureaus or any credit reporting agency. I have attached the documents that TransUnion sent as well as the Documents from US BANKRUPTCY COURT. This is falsifying documents. I would like TransUnion to remove this inaccurate information from my credit file IMMEDIATELY. XXXX is also reporting this very same information. They are so saying that US BANKRUPTCY COURT is reporting this. PLEASE REMOVE AND DELETE AS WELL. XXXX are also reporting the same. Please remove and delete
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NJ)

I have been violated by JPMCB on XX/XX/2020. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Citi Cards switched my account to a new credit card without my implicit consent. Charges made with prior card were billed on new card. I began receiving late notices. When I contacted Citi they told me I had only one account & to ignore the calls. A few months later I learned my credit score dropped significantly. When I called Citi the situation was straightened out, but they only remove one late charge and kept interest charges caused by their mistake. I called Citi and they refused to take additional action to remove late fees/interest charges caused by their mistake.
Consumer complaint received 2021-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My name is XXXX XXXX, XXXX  I am sending this request myself XXXX  address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information 's was found in my reports. This company, CAPITAL ONE BANK  USA N, has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, XXXX  continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : CAPITAL ONE BANK USA N XXXX XXXX XXXX XXXX {$0.00} - 120+days ; CAPITAL ONE BANK USA N XXXX XXXX XXXX XXXX {$0.00} - 120+days ; CAPITAL ONE BANK USA N XXXX XXXX XXXX XXXX {$0.00} - 120+days;
Consumer complaint received 2021-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My wife and I owned a XXXX XXXX XXXX XXXX recreational vehicle ( RV ) that we purchased and financed through Bank of America in XX/XX/XXXX. There was never an issue with the monthly payments or any other issue that could have created issues at the termination of the loan. 
On XX/XX/XXXX, we sold the RV to a couple from XXXX, TX. The couple financed the purchase with a loan from XXXX XXXX XXXX XXXX XXXX for the amount of {$240000.00}. The payoff of the loan would have been approximately {$150000.00} leaving an over payment of approximately {$91000.00} which should have been sent directly back to us. As of XX/XX/XXXX, we have not received the over payment or a satisfactory answer as to why we have not received the funds. 
The check from XXXX XXXX was sent 2nd day XXXX to Bank of America on XX/XX/XXXX. The check arrived at their facility in XXXX, FL, on XX/XX/XXXX, at XXXX AM. See attached. 
I received notice on XX/XX/XXXX, the payment had been applied to my loan and the account was paid off. During the period from XX/XX/XXXX to XX/XX/XXXX, Bank of America continued to charge me interest on the loan. 
I was informed by BoA that the overage amount required it to be held for 3 weeks so they could verify the funds. I had just a few days earlier had a conversation with a BoA employee who stated he had verified the check and all was good. This didn't appear to make any difference in the 3 week waiting period. I was also informed the over payment would be available for release on XX/XX/XXXX. 
On XX/XX/XXXX, I contacted BoA regarding the payment and was told I would have to wait an additional 3 business days to have the funds transferred to my BoA checking account. It is now XX/XX/XXXX, and I have not received the funds nor can any of the dozen or so " associates '' I've discussed this issue with provide me with a date as to when I'll receive my funds.
Consumer complaint received 2021-11-08
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: RS Clark and Associates, Inc. (MS)

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED. 

XXXX Account Number : XXXX 01 XXXX XXXX Account Number : XXXX I would also like this inaccurate information to be UPDATED TO POSITIVE : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE XXXX Balance Owed : {$1800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CO)

Chase Bank is once again reordering transactions in order to extract bank fees. I was never negative in my account however they somehow re ordered my transactions to make me over {$400.00} negative and issued a 21 day loan which they then took back 2 days early and refuse to fix.
Consumer complaint received 2021-11-08
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: ACIMA CREDIT, LLC (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNVFUNDG XXXX Balance Owed : {$220.00}
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputed this account ( XXXX XXXX ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and XXXX is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor XXXX XXXX verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both XXXX and XXXX XXXX for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

Experian is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it immediately!!!
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NH)

I was asked to open a XXXX 's card as a way to earn a percentage off my bill. I agreed, not realizing that the purchase would be put on that card and that I could not pay at the time of purchase. It was a {$120.00} purchase. The card was mailed to my residential address, not my mailing address but because I do not have a mail box in the town of my residence, the card was sent back to the company. I have gone online several times to try to remedy the issue, but can not because I do not have the credit card number to access the account. Starting in XXXX, I began receiving anywhere from XXXX calls a day from a number identified as " SPAM '' by my phone XXXX. I did not answer. These calls continued through XXXX. Daily XXXX calls. Then they diminished at the end of the summer. Then, they began calling my husband who also was concerned that they were spam and did not respond. Yesterday, they called my *uncle* and harassed him. I would LOVE to amend the address issue, but am concerned by the aggressive behavior on the part of this company and do not want to talk with them if I am going to be threatened for trying to fix the issue.
Consumer complaint received 2021-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (FL)

organization : Robinhood Financial LLC XX/XX/2021, I starting using a new Robinhood Financial LLC account. 
Transferred funds from XXXX XXXX to Robinhood Financial LLC. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX $ XXXX each day based on their daily limit. 

I later realized that I likely triggered SEC alerts. My account was locked and Robinhood asked me for additional proof of identification, and XXXX XXXX financial records. These were submitted. 

XX/XX/XXXX, I was given a notice of account deactivation, that they would be returning funds to the originating source, and that the process could take up to 60 days based on my bank. 

XX/XX/XXXX, I visited XXXX XXXX to identify if there were any concerns on their end. Rep said that there were none, and that they were no comments on my account. 

XX/XX/XXXX, request for " explanation of the source of funds '' XX/XX/XXXX, " We are not able to support your account '' " the funds will be returned to you within 3-5 days '' XX/XX/XXXX, message received that my debit card is activated. 

XX/XX/XXXX, full balance continues to sit in the Robinhood account without signs of any return transfer having started.
Consumer complaint received 2021-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

Source Receivables MNG at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX this collections is not from original creditor. I don't owe Source Receivables MNG Account # XXXX I never heard of Source Receivables MNG. I never did a contract whit them. I collection has been reported as past due balance. I don't know this company. this company does not have a contract with my signature.
Consumer complaint received 2021-11-08
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 — Investigation took more than 30 days
Company: Checkr, Inc (CA)

On XX/XX/2021, XXXX placed a block on my account to prevent me from driving. They stated they needed me to process a new background check. Upon providing permission to XXXX to conduct my criminal and driving background checks, I was informed that I would be reinstated once the check was completed, a process according to XXXX, that would take 1 to 2 business days. 

I have also applied to drive with XXXX on approximately XX/XX/2021. XXXX has also delayed my background check. 

Both companies use Checkr as a vendor for background checks. Checkr continues to say my background check will take a week. Each week they extend their estimated completion date. As of today, on the XXXX platform, Checkr promises a XX/XX/2021 completion date ; Checkr promises that my XXXX report will publish XX/XX/2021. 

I have lost approximately {$8000.00} minimally in earnings during this period.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

Hello, I am not sure what these items are on my credit but I would like them removed NOW please. This is unfair and I have already submitted a dispute to have these removed over 30 days ago but they are still there. I will attach all documents below.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

I pay my webmaster once a month using Western Union online. Their website malfunctioned yesterday. When I submitted the transaction, I didn't receive a success window or a confirmation email and the transaction didn't show completed in my WU account. So, I tried again and the same thing happened. I tried a 3rd time and the transaction showed up. I immediately called to notify them of what happened with their site. They said that three transactions went through. SUPPOSEDLY, they cancelled one of the 3, but the 2nd one, they said, couldn't be stopped. They said I should ask the receiver 's bank to refund me. This is the most ridiculous thing I have ever encountered. Their site fails and they don't reverse the duplicate charges that were the result of their error!

I was told by a WU agent that this is the duplicate XXXX no that went through : XXXX XXXX XXXX.
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MO)

PayPal was hacked, {$500.00} was taken out of my personal bank account via PayPal. It was filed as a scam, and PayPal refunded me {$500.00}. I shut down the bank account that was hacked, and now PayPal is saying I owe them {$500.00} when I do not. I would like for PayPal to stop harassing me about a refund they put into my account.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"