davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Chase advertised to offer XXXX reward points for opening a Sapphire checking account. I opened the account in XX/XX/XXXX and met all the requirements. But Chase posted the reward in XX/XX/XXXX to one of my Freedom credit card that Chase closed on their side on XX/XX/XXXX. So I never had a chance to redeem the reward. 

Attachment 1-5 are the details of the advertisement. 

On XX/XX/XXXX I called Chased and was told my Freedom account was closed for inactivity for 6 months. If thats the case, since I had a transaction in XX/XX/XXXX ( attachment 6 ),  the card should be closed in XX/XX/XXXX and I should be able to redeem the reward in XX/XX/XXXX. The fact is I still received statements of that card for XXXX and XX/XX/XXXX ( attachment 7-8 ). The agent I talked to said she will escalate this and probably they will be able to let me use the points. 

On XX/XX/XXXX, I send a secure message to Chase to query further. They told me a different story, that my Freedom card account was closed on XX/XX/XXXX ( attachment 9-11 ),  because inactivity for 12 months, even though I HAD a transaction in XX/XX/XXXX. If this is true, then Chase posted the reward point in XX/XX/XXXX to my account that was already closed for 2 months. 

I dont know which story they told me is true. In any case, I didnt receive any notice from Chase for account closure. In any case I had no chance to redeem the reward point that I deserve from the opening of the Sapphire checking account. 

Today I received a letter from Chase ( attachment 12 ),  emphasizing that card holder has 30 days to redeem the reward after card closure. The issue is, again, Chase put the reward in XXXX into the account that they said they closed in XXXX, hence I had no chance to use them at all.
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC (GA)

Several weeks ago, I received a call from Affiliate Asset Solutions. They claimed to be collecting on a medical bill from a XXXX emergency room. They told me the emergency room sold my debt to their client, Pendrick Capital Partners. I asked for something in writing providing info about the debt and documentation showing that Pendrick actually purchased the debt from the hospital. I received an account statement in the mail, but I still was not provided with documentation proving that Pendrick owned the debt. I can't be expected to pay someone if they can't prove the validity if what they are claiming. Today, I received a call from a very hostile woman at Affiliate. When I explained that I still didn't have anything showing that Pendrick was the rightful owner of the debt, she yelled at me and told me if I needed to know who Pendrick was I should call them. I told her I was disputing the debt because I didn't know who the alleged owner of the account is and hadn't been notified that an account ( which I still don't know what it's for ) of mine had been sold. I told her that I knew she has a obligation to help resolve disputes on debts they are trying to collect. She yelled that I had an obligation to pay my bill and then hung up on me. I called back and asked for a manager to try to resolve the matter. The manager yelled at me as well and was not willing to provide proof of who the current creditor is for the alleged account. I ended the call because the manager wouldn't stop yelling and wouldn't help resolve the problem. 

I immediately sent an email to Affiliate Asset Solutions ( at the only email address I could find on their website : info@affiliateas.com ) requesting that they cease and desist all communication with me. I should not have to deal with degrading hostility when I was just trying to get proof of the validity of the debt.
Consumer complaint received 2019-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

This complaint is against CashApp. My non-profit organization has an account that we were attempting to access after a sponsor transferred money into our account. CashApp requested new verification using a front/back scan of a driver 's license which do not work. 

After multiple failed attempts to scan the back of the license, we sent an email to CashApp Support on XX/XX/XXXX. They provided instructions for us to follow to reverify the account which we followed. However, we later received an email stating that we were being transferred to another department who could help further. 

We have followed up again on multiple occasions ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ) via email and XXXX. 

NO ONE has called me yet from customer service! 

I now think that there is fraud involved as we can not access the account to cashout the {$1000.00} that is in the account.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2024, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2019-07-25
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. (TX)

I never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted XXXX and Experian and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX   XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX** ,
Consumer complaint received 2017-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

I DISPUTED THIS DEBT WITH XXXX XXXX XXXX AND REQUESTED VALIDATION, THEY SENT A LETTER SHOWING THE CREDITOR ONLY AND THEN VERIFIED THE DISPUTE AS INFORMATION IS CORRECT. THE INFORMATION IS NOT CORRECT ACCORDING TO THE FCRA THIS LETTER THEY SENT IS NOT A DEBT VALIDATION FOR BOTH XXXX XXXX XXXX AND XXXX XXXX I HAVE NEVER SIGNED ANY TYPE OF CONTACT WITH MXXXX XXXX XXXX AND NEVER RECEIVED PROPER DEBT VALIDATION
Consumer complaint received 2024-10-21
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. (CA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and conifidentiality under 15 usc 1681. 
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. I look at my Experian on XX/XX/XXXX and XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report it Shall follow reasonable procedures to assure maximum possibles accuracy of the information concerning the individual about whom the report relates according to 15 usc 168 ( e ) ( b ). And according to 15 usc 1681 i5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) generally after any reinvestiaition under paragraph ( I ) of any in formation dispute by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency Shall- ( 1 ) promptly deleted from the file of the consumer. And according to 15usc 1685-2 they are suppose to not furnish any information reporting agency if the person knows or
Consumer complaint received 2024-10-21
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. (NY)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2019-07-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I have provided US Bank with all of the documents requested of me. I suffered a financial hardship, loss of income. However I have overcome the financial hardship and am asking for mortgage assistance. Every time I call to check status on my request for mortgage assistance I get transferred over and over and over and end up being transferred to the automated system again a few times in the process of being transferred from one place to the other. US Bank does this to me all the time. I get it I am older and perhaps my patience is not as good as it use to be but to be on a call every time for 2 hours to end up on someone's voicemail is unacceptable. NO ONE over US Bank is able to provide an update other than the point of contact assigned. I need answers I have given everything asked of me over and over and have spent a lot of money to fax everything US Bank asks of me to have no responses.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

XX/XX/2019, XX/XX/2019, XX/XX/2019 Sent notarized and certified letters asking company to show original signed contract of me accepting the service. Company kept sending me invoices that show no signature or agreeing to the contract. The claims they were uncertain of what I was specifically disputing. The letter clearly stated provide ANY documentation required under section 609 and section 611 showing my signature agreeing to the service. If they can not not provide the information or verified the account has to be deleted.
Consumer complaint received 2019-07-22
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. (GA)

This account is reporting inaccurate late payment readings to my credit report. 
I sent a letter to XXXX XXXX XXXX USA asking for proof that this account was late during the months that Equifax is reporting and they sent a response letter stating that I was NEVER late during the months EQUIFAX is reporting to my credit report. I have attached proof of the verified information from XXXX  XXXX XXXX  USA.
Consumer complaint received 2019-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (MA)

One Company is called XXXX XXXX XXXX XXXX XXXX and the other is called XXXX  XXXX. XXXX They use various numbers XXXX XXXX XXXX, MA, XXXX XXXX XXXX, MA, XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MA , XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXXl XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX, MA. This has been going on for about 3yrs. They say they represent Citibank, they do not. I have spoken with Citibank and there is no account under my name any longer and they are not affiliated with either of these companies.
Consumer complaint received 2019-07-25
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)

Dear Sir/Madam, I have submitted many complaints/disputes with Credit bureaus. 
had waited for 30 or more than 30 days No outcome received. 
all the time they just had sent me the Generic Response, that " We have investigated the issue & charge on your account is correct '' there is no supporting documents. 

My questions is different, their answer is different. 

Since, i am in litigation, & my request was to remove those account from my account till the Honorable Court Decide the issue. 

I already had made this request to the Credit bureau several times, but no response
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Account Managers, Inc. (ID)

My credit report is showing 3 accounts with XXXX that were paid on XX/XX/2019.  I have asked for them to show them paid and for letters showing paid on 2 different occasions the last being on XX/XX/2019.  I have not received my letters and they are still on my credit report showing the balances.  I paid XXXX, XXXX, and XXXX on XX/XX/2019.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I just got a notice by email of a settlement with another company due to high interest and it came into my mind a loan that I got with Loanme Annual percentage 139.12 % finance charge {$11000.00} amount finance {$2500.00} total of payments {$14000.00}. 

One payment of $ {$260.00} on XX/XX/2019 and 47 payments of XXXX beginning on XXXX XXXX
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I pulled my XXXX, Equifax and XXXX credit reports and found XXXX XXXX had pulled my credit without authorization on XX/XX/2018.I already had financing they were only authorized to complete the application not check my credit themselves. I sent them a certified letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNTRUST BANKS, INC. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-19
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: EQUIFAX, INC. (MA)

Hello, I have sent this letter below to the credit bureau attached. Nothing has been done and the incorrect fraudulent information/account still remains on my credit report. Im asking if you can contact them with hopes this will be removed and updated immediately. 

Equifax Information Services, LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX Dear Equifax : Regarding the following account : XXXX XXXX XXXX XXXX requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above item is inaccurate, misleading, or incomplete, you may have violated federal law. 

I expect you to make a reinvestigation immediately. My social security number is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Thank you, XXXX XXXX
Consumer complaint received 2019-07-25
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. (MS)

The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX , XXXX , DEPT OF ED/XXXX  , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX,
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with 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 60 days 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.

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 XXXX