davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I bought tickets at XXXX XXXX and I saw a better fare available so I canceled my first booking and bought my second booking within 20 minutes of buying the first booking. however XXXX is arguing that both my first and second fair are bought within seven days of departure. They can not fund me these tickets. I then try to get refund through online sources and got scammed twice. the first time including some person at XXXX with an email address XXXX saying I could turn the nonrefundable ticket into a refundable ticket by paying XXXX. After two billing cycles I will receive my refund. I did that but no refund is seen after three months and I called again. The initial phone number is not available, but I XXXX  and found a different phone number. And they charge me the full fare again, claiming that that is the only way to get a refund because of the XXXX outage and they need to create a manual refund. I need to get this charge refunded thank you.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

Jefferson Capital System filed a Derogatory Mark with XXXX, XXXX, etc on or about XX/XX/year> for {$160.00}. This debt is not mine. I am a XXXX, I am XXXX and my sole income is from SSD.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Subject : XXXX Request for Removal of Late Payment I am writing to you regarding my CREDIT CARD account number AMEXXXXX XXXXXXXX XXXX Date opend XXXX XXXX and closed date XXXX XXXX  2019. I want to express my sincere gratitude for the services I have received from and for the continued support in managing my loan. 
Recently, I noticed that my credit report shows a late payment on XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 
During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 
My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 
Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 
Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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. (DC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is a debt from capital one its been in their office since XXXX. I wasnt even calling about that didnt even know it was in their office that long until now. I was referring to a different account that I paid in full since XXXX. I got an email about the credit card account being locked when I havent used that company since XXXX. I called today and told the agent to stop all contact about the debt because it pass the law limit to get sued or even to collect. I want them to stop sending me anything about it. They already charged it off and its not on my credit. Im not paying on something thats been in debt that long when I wont be able to get the credit card again.
Consumer complaint received 2024-08-13
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. (NV)

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 2023-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc (GA)

On XX/XX/2023 A medical collection of the amount of {$1100.00} was placed on my credit report. The collection debt was posted by H & R ACCOUNTS INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CO)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX  and JPMCB - CARD SERVICE XXXX
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY (SC)

Wells fargo took my car with my personal belongings with out notifications and I never got anything back. They sold my car on action for more then car worse but they was still trying make me pay, when I refused, they report and ruling my credit and live me strolling to get car or place to live. I would like to make them pay to what they done to customers.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB CARD XXXX
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX bankruptcy discharged Identification number : XXXX Date filed : XX/XX/XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-12
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: Maximus Federal Services, Inc. (CA)

I am writing to request your assistance in resolving an ongoing issue regarding inaccurate credit reporting by XXXX. Despite submitting multiple disputes and providing supporting documentation, XXXX continues to report incorrect payment history on my Student Loans with Department of Education.

The payment history inaccurately reflects a 90-day delinquency for XX/XX/2017, even though the account was in deferment at the time. Additionally, the account was reported as current for both XX/XX/2017 and XX/XX/2017. Despite these clear inconsistencies, XXXX has advised me to contact the creditor directly, rather than taking responsibility for investigating and correcting the error. 

Further complicating this situation, my loans are currently in administrative forbearance due to the ongoing federal investigation into the XXXX XXXXXXXX XXXX for unfair business practices. Given this forbearance, no payments should be reported as delinquent. Under the Fair Credit Reporting Act ( FCRA ), it is XXXX 's responsibility to ensure that the information they report is accurate. It is not sufficient for them to defer the matter to the creditor without properly investigating the facts. 

I have attached documentation that includes the deferment notice, information on the forbearance, and relevant correspondence with XXXX and the creditor. I respectfully request that the CFPB investigate this matter and require XXXX to : Remove the inaccurate XXXX delinquency for XX/XX/2017 and update the payment history to reflect the correct forbearance and deferment status. 

Ensure all information reported across major credit bureaus is corrected and that any negative impact on my credit score is removed.

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my credit report is corrected and that XXXX fulfills its obligations under the FCRA. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX I received a notice from the Synchrony Bank that they would be increasing my interest rate and would be charging me to receive paper bills. I called then to inquire if it was true and I was disconnected. I called back and was informed that charging customers to receive bills was a real policy. 
Consumers have no rights anymore. These creditors are demanding that consumers who may not have access to a computer, who are not computer savvy, or who don't trust the internet to put their financial and personal information in cyber space ; have to pay them for getting a bill. There needs to be a law that they have to send me a bill by mail proving what I owe, and proof showing what I've paid. Please help the older consumers. Please fight for all consumers. Thank you! Please protect us. I know I can't do anything about the usury amount they charge for interest, but having to pay their mailing cost is a little much. Thank you!
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (TX)

My name XXXX XXXX, a Federal protected consumer me, and I am making this complaint against Credit Management INC. for committing identity theft. I have never given Credit Management Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Credit Management Inc can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management Inc continues its collection efforts, I will file for litigation for actual damages caused and Credit Management Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft, by deception, securities fraud and mail fraud and provide me proof your license to collect in my State. Upon the receipt of documents herein and of this notice, you are hereby notified, Pursuant UCC 1 - 202f. Your Prompt attention and response are both requested and required and pursuant to rule 1002 the original application Account # XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

I am submitting this CFPB complaint to follow up my previous request that you remove the inaccurate personal information from my Credit File. The following Inaccurate names and addresses are not affiliated with me. I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following Inquiry inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I need you to remove the following inaccurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
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. (MI)

XXXXXXXX XXXX XXXX Inquiry : XXXX reported as fraud/ inaccuracy XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX Inquiry : XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXXXXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX  XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction *All these transactions were reported to the bureaus and I have been sending documents to get them removed however they are still on my Report. These transactions were not performed by me as I was victim of identity fraud and a lot of my Information was used unlawfully.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

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 XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ).
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP (NJ)

XXXX XXXX XXXX XXXX XXXX keeps harrasing my employer. 
Original creditor is XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

XXXX XXXX XXXX XXXX was my Girl friend for XXXX  years and when she got her inheritance in mineral oil rights property she did all the notorized work with a mobile notary to finalize the selling of the properties.And since she decided to get the money sent to my Cash app account from XXXX XXXX account name $ XXXX ( Buyer of her property with XXXX XXXX ) on XX/XX/XXXX. and from $ XXXX ( the buyer of her property with XXXX XXXX ) on XX/XX/XXXX and on XX/XX/XXXX and XXXX had the funds sent to my cash app account email address XXXX ... username $ XXXX... I believe I was scammed from the beginning and it was pre planned by XXXX because she knew my debit card was linked to my account and I did whatever she wanted to do with her money in my account because I honor Him XXXX and I know he wanted Her to do as she pleased with her inheritance. We Even linked her card to my account so she can spend her money on whatever she wanted. She told me to buy Me some shoes and I didn't because I didn't want To get between her father 's wishes and squander her inheritance. XXXX XXXX is a good helper and humanitarian Who helped a lot of people with her wishes... I don't want to be blamed for the sending and spending of her money when I just did as she wanted and I don't want my account closed and to be sued and possibly send to XXXX  being liable to the taxes and fees when I didn't do anything wrong but I am being called a XXXX  when I am not and many witnesses can vouch for my integrity to fairness. Also XXXX XXXX stole a lot of XXXX 's money and I uploaded the time when XXXX XXXX changed our cash app pin XX/XX/XXXX after beating XXXX up and robbing her for her phone which gave XXXX XXXX access to steal money from the account. And XXXX figured that out because XXXX was blaming me for changing the account pin and taking money or buying things until XXXX found out about XXXX XXXX when she contacted cash app account support after Being strong arm robbed by XXXX XXXX.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Thursday XXXX XXXX I checked my bank account and realized the Bank of America had double pulled the statement balance on the credit card I hold. Therefore I was carrying a negative balance. I called and talked to a representative on the same day. She took my account and routing numbers and assured I would have the money back in My account in XXXX business days. On Wednesday XX/XX/XXXX I called back because I had not received the money back in my account. The representative proceeded to tell me the transaction takes XXXX business days to process. They also would not tell me the reason the money was double pulled from my account in the first place. I then called back again on XXXX XX/XX/XXXX. I had noticed that I no longer had a negative balance on the Bank of America credit card and I had not received my money back. The representative told me the transfer had not been processed yet. I reconfirmed the account and routing numbers and the bank had them wrong. I had confirmed them XXXX times with the first representative. I reconfirmed the numbers again. The representative told me they could not do anything until the first numbers did not work. It is XX/XX/XXXX and I have still not received my {$1000.00} that Bank of America owes me.