davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I purchased a television from XXXX & XXXX XXXX online on XX/XX/2023, using my Chase Freedom XXXX card for {$320.00}. However, I did not receive the television due to XXXX XXXX personnel 's negligence. They left it outside the building instead of delivering it to my unit, resulting in it being lost. I contacted XXXX & XXXX personnel and my credit card company immediately for assistance. A week later, XXXX & XXXX decided to refund me {$320.00}. However, XXXX months later, they secretly withdrew the same amount from my Chase XXXX card account again. I have tried contacting them via mail and phone, but to no avail. 

I believe that Chase XXXX credit card company should not shift the responsibility of the loss onto the buyer, as it was the delivery personnel 's fault. The seller should have insurance, and the delivery personnel should deliver to the front doorstep of my residence. Therefore, I request that Chase credit card refund me, as I did not receive the goods.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

I am writing to bring to your attention an urgent matter concerning my Chime account ending in XXXX. It has come to my notice that my cards, along with my drivers license and other essential cards, were lost or stolen, presumably dropped in an XXXX ride. 

I received multiple text alerts from Chime about attempted charges on my account, including a successful charge of {$1900.00}. The unauthorized charges were attempted at various merchants, including XXXX, XXXX, and XXXX XXXX XXXX. Despite my immediate action to dispute these charges ( Dispute # XXXX ), Chime has failed to recover the funds and continues to deny my claims and appeals, despite the provision of all necessary supporting documentation. 

I would like to highlight the following points : Prompt Reporting : I reported the unauthorized charges immediately upon discovery, in accordance with the terms and conditions of the Chime customer account agreement. 

Good Faith Provisional Credit : Provisional credit is offered to assist customers during the investigation process. Denying this credit puts me at a financial disadvantage. 
Investigation Timeline : While I understand that investigations take time, I urge Chime to expedite the process. In the meantime, I request that Chime reconsider providing provisional credit to cover the disputed amount. 

Legal Rights : As a consumer, I have legal rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Denying provisional credit without proper justification may violate these rights. 

I kindly request that Chime reevaluate my case and provide the credits am entitled to. Failure to do so may necessitate arbitration with the NY attorney general and potentially lead to a lawsuit that could disrupt Chime Financials operations. 

Please respond promptly to this matter. You can reach me at XXXX or XXXX. I appreciate your prompt attention to this issue and look forward to a swift resolution. 

XXXX XXXX - XXXX Account Number Ending In : XXXX Claim ID : XXXX / XXXX Dispute Type : Debit Charge - Unauthorized Transaction ( Everi ) Date Error Reported : XXXX Claim Amount : {$1900.00} Supporting Documents : - Screenshots of text and email alerts - scammer attempts to charge card/account - Complaint and report # XXXX filed with authorities - Time and Location report of my whereabouts ( at workplace ) when the fraudulent -transaction was made. 
- Corrected amended Chime intake-form red line and statement. 
- XXXX fraud complaint XXXX and report filed # XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed 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- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Recently reviewed my reports and found some inaccuracies on them involving accounts that's not mine. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Subject : Urgent Dispute Regarding Inaccurate Credit Report - XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to express my extreme concern regarding two inaccurate negative remarks on my credit report concerning a XXXX XXXX XXXX XXXX account. This appears to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have been reported twice for the same account, both of which are listed as " charged off. '' This is incorrect. There should be only one entry for this account, as it is the same account. I request that the duplicate entry be removed immediately. 

I have already contacted XXXX XXXX XXXX XXXX to notify them of this error and request their assistance in correcting the issue. 

Please take immediate action to remove the duplicate entry and ensure that my credit report accurately reflects my financial history. I will take further action if necessary to correct this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PR)

XXXX On XX/XX/year> the company XXXX XXXX XXXX Inquiry my credit without my consent. 

XXXX On XX/XX/year> the XXXX XXXX XXXXXXXX Inquiry my credit without my consent.
Consumer complaint received 2024-09-13
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. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>. Account numbers ending XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-09-13
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. (NJ)

In XX/XX/XXXX, I fully settled a debt with a collection agency related to a credit card account originally held with XXXX  XXXX XXXX. The collection agency assured me that, upon settlement, the charge-off status would be removed from my credit report. Despite this, the charge-off remains on my report, negatively affecting my credit profile. 

I disputed this with Experian, and while some information was updated, the charge-off status still appears inaccurately. The balance on the account should have been updated to {$0.00}, but it has not been corrected. This is a violation of FCRA XXXX ( b ), which mandates that credit reporting agencies maintain maximum accuracy in the information they provide. 

Additionally, the charge-off has been reported repeatedly across multiple months, from XX/XX/XXXX to XX/XX/XXXX, creating the false impression of an ongoing charge-off event. This practice, known as re-aging, inflates the negative impact on my credit history, violating the accuracy standards set by the FCRA. 

Furthermore, under FDCPA XXXX ( XXXX ), the collection agency 's failure to remove the charge-off despite promising to do so upon settlement constitutes a misrepresentation of the debt status. 

Requested Resolution : I request the complete removal of the charge-off from my credit report, as this information is inaccurate, misleading, and a violation of both the FCRA and FDCPA. The presence of this charge-off is unjustly affecting my XXXX XXXX, and I expect it to be corrected promptly.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (PA)

I have a claim open for a missing item for XXXX with XXXX XXXX  XXXX and pnc I still have her to get my money back XXXX XXXX denied the appeal and XXXX  closed it after sending to them so I opened with my bank and its been over 90 days and still no refund for this missing item that the XXXX  driver misplaced and admitted to misplacing I am very unhappy its been over 5 months since this happened and nobody is helping attached is the tracker and form From XXXX  driver he bought for us file and sign Im waiting for order number again by email from XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my Experian XXXX and XXXX credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXX BANK ACCOUNT NUMBER : XXXX Your company is in clear violation of the law XXXX XXXX. XXXX, XXXX purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish XXXX XXXX the following circumstances and no other : ( XXXX ) In accordance with the written instructions of XXXX whom it relates. 

Did I give you written instructions to report this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between XXXX thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.
Consumer complaint received 2024-09-13
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. (MD)

RE : Social Security Number : SS # : XXXX and account reported from : 1. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

5. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

6. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( S ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX Our bank ( XXXX ) was scheduled to pay our mortgage in the amount {$1700.00}. Due to a misjudgment on when a check would clear our payment was returned due to insufficient funds. The following day the check cleared and we scheduled another payment. We learned shortly after that the first payment had been retried and the second payment was now overdrawing the account. We called the bank to explain what happened and asked for them to stop the auto pay as now we were just alternating from being very overdrawn and having a few XXXX in the account. They said there was nothing they could do and that the payment would attempt to go through two more times. 
The additional funds were never there and this process seemed to eventually seemed to sort itself out around XX/XX/XXXX, locking our online bill pay feature in their online banking platform. 

On XX/XX/XXXX we received a call from the online bill pay provider for XXXX and were notified that they put the payment through and that the second {$1700.00} was owed to them ( this seemed very odd to us ) We called our mortgage provider to confirm that they had indeed received two payments. As well as that we would not owe another payment until XXXX. This was confirmed. At that time, we told them we would not have money to pay them ( online bill pay provider ) until Monday, XX/XX/XXXX. 

On XX/XX/XXXX we were planning on calling the bank regarding the several overdraft payments they had charged us ( I believe they have reimbursed two currently ) but upon logging in we discovered that they had again tried withdraw the {$1700.00} again. We spent an additional forty five minutes on the phone today and were told my multiple Santander superviors/managers that there was nothing they could do about it. We were also given no plan for getting the situation resolved. Other than to have the mortgage company send us a check in the amount of the second payment ( which in itself didn't really make sense ). From previous conversation with the mortgage company, this would take 7-10 days. 

This has been not just inconvenient but incredibly stressful given the that this all was occurring the week before XXXX ( and beyond ). We are a family of XXXX that run our own small business. We did not have extra cash to fall back on and for some minor emergencies we have had to rely on the kindness of family to help us out.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2020-01-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Galaxy Capital Acquisitions, LLC (MA)

This pertains to the company XXXX XXXX, which is a debt collection agency for Galaxy Portfolios , LLC. 
They have been threatening me with garnishment of my wages and they said that they had contacted my employer also. 
I will have gone to court with them for the XXXX time on XX/XX/XXXX. 
I have been dealing with their harassment since fall of XXXX. 
They did have a judgment against me, however I filed a motion in the court that the judgment originated from, and in XXXX I prevailed as the judgment was vacated. 
This company still insists on sending collection letters and telephoning me. 
I have a new court date with them as I stated above which is on XX/XX/XXXX. 
The judgment was vacated at the court it originated in, but the case was transferred back to the court where the creditor tried to get the wage garnishment. 
I was specifically told by this judge prior to the judgment being vacated, that if I prevailed ( which I did ),  that I may not have to appear again regarding this matter. 
This is all very confusing to me because this debt is well over a decade old. It goes back to approximately XXXX, perhaps earlier. 
I know nothing of the debt. I had to flee my then home ( before the collectors say I was served ), because of a violently abusive situation.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time for the billing cycle, which was due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, a late payment of 30, 60, 90 and 120 days was incorrectly reported. 
I have provided evidence of this timely payment, including bank statements showing that the payment was processed well before the due date. 
There appears to have been a clerical or administrative error that resulted in the late payment being reported across all three bureaus, despite no actual delinquency on the account. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX