davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I would like to follow up regarding of my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. I initially disputed the late open account, providing all necessary documentation and following the prescribed dispute resolution procedures. I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is both frustrating and unacceptable. These inaccuracies are causing tangible harm to my credit profile, affecting my ability to secure favorable financial terms and impacting various aspects of my financial life. I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. I am asking for your help to correct these late open accounts in my credit file : XXXX/DOFED XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

My XXXX credit report shows American Express performed a hard pull on XX/XX/XXXX and another on XX/XX/XXXX. I was not approved for my only American Express card until XX/XX/XXXX. Their application process states they only perform a hard pull upon approval. 

I filed a complaint with AmEx, but they incorrectly referred to the XX/XX/XXXX pull as a soft pull and refused to remove it. However, my credit report clearly shows it as a hard pull under " Regular Inquiries, '' not " Account Review Inquiries '' where soft pulls appear. 

AmEx 's response ( attached ) falsely claims the XX/XX/XXXX inquiry was soft and provides no valid reason for its refusal to remove it. 

XXXX does not offer a direct way to dispute this, and AmEx seems to have misunderstood the issue. 

Please remove this unauthorized hard pull from XX/XX/XXXX. I have attached proof of my sole AmEx account, opened on XX/XX/XXXX, documentation that my XX/XX/XXXX application was denied, and proof of AmEx 's policy to perform a hard pull only upon approval.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (MD)

I had a previous complaint on a missing $ XXXX principal payment that was cashed and wired from XXXX XXXX to Shellpoint. This was closed without fully resolving my issue stated in my original complaint. My funds was located after more than 2 months of raising this issue. Shellpoint claims that no identifying information was provided in the wire which is false as XXXX XXXX has provided a wire confirmation receipt to me showing my last name was listed in the wire. Wire confirmation receipt found in page XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  ). 

The current issue is that Shellpoint applied my located $ XXXX principal payment on XX/XX/XXXX the day they located my funds vs when it should have been applied and forwarded this incorrect payment history to XXXX my new servicer which my loan was re-sold to. I have repeated provided documentation to Shellpoint that this principal payment should been applied on XX/XX/XXXX and was promised that my principal / loan balance payment history would be updated for the XXXX, XXXX, and XXXX payments I made to Shellpoint once the funds were located. Shellpoint has closed my complaint/case after forwarding my located funds ( which took over 2 months ) and provided my new servicer incorrect payment history which is impacting my loan balance/history with the new servicer. 

I am attaching XXXX XXXX 's payment history/confirmation with further documentation that states it should have been applied on XX/XX/XXXX. Please refer to page XXXX ( " XXXX XXXX XXXXXXXX XXXX XXXX '' ). The current Shellpoint payment history is incorrect which I am attaching as reference. I need an updated correct payment history for my tax records and also sent to XXXX to aid them in correcting my loan balance moving forward. XXXX states Shellpoint wired them the located funds without providing additional documentation required for them to know how to process the $ XXXX payment.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING # XXXX This account can not have a past due balance as there is no agreement between collection agency and myself. Please remove this inaccurate information. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed.
Consumer complaint received 2024-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Cardinal Financial Company , Limited Partnership retained no beneficial interest in the XXXX XXXX XXXX Intangible Obligation ( The Debt ) after selling XXXX XXXX XXXX Intangible Obligation ( The Debt ) to XXXX XXXX shortly after the XX/XX/year> signing. No acceptable assignments of XXXX XXXX XXXX Mortgage to the XXXX XXXX XXXX  have been recorded into the Official Records of the Clerk of the Courts XXXX XXXX XXXX There is no evidence of negotiations of the XXXX XXXX  to the XXXX XXXX XXXX. With no properly recorded owner of XXXX XXXX XXXX XXXX, there is no one to enforce the conditions over XXXX XXXX XXXX Intangible Obligation ( The Debt ) which is no longer evidenced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Intangible Obligation ( The Debt ) is no longer secured by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Having no specific properly secured owner of the limited beneficial interest of XXXX XXXX XXXX XXXX, there is no way to enforce the stripped-away XXXXXXXX XXXX XXXX XXXX Obligation ( The Debt ) through XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

Verification of Charge off and 1099-c for account XXXX. 
Dear JPMCB, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-c for the account associated with the reference number XXXX. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If your company does not have these documents a request for deletion from all major credit reporting agencies immediately within 3 business days. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. 
Thank you for your cooperation in providing the necessary documentation for this verification process.
Consumer complaint received 2023-11-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY (MA)

Applied for personal loan with American Express on XXXX to consolidate some credit card debt. Terms {$5000.00} for 36 months, minimum payment is {$180.00} per month, first payment due on XXXX. I set up payments from my bank account for {$100.00} on XX/XX/XXXX and XX/XX/XXXX totaling {$200.00} which should arrive before the monthly due date of the XXXX. First payment of {$100.00} was delivered XXXX, second payment of {$100.00} delivered XXXX, totaling {$200.00} paid before the due date of XX/XX/XXXX. When I checked my XXXX statement there was a {$39.00} late fee. Contacted customer service via chat on XX/XX/31 and spoke to someone named XXXX who claimed they were going to waive the fee. Made an additional payment of {$80.00} on XX/XX/31 to bring account to current, and made normal payments of {$100.00} payments on the XX/XX/XXXX and XXXX. Checked my XXXX statement and there was another {$39.00} late fee. Attempted to contact customer service again on XX/XX/XXXX but department was closed on the weekend. As of todays date XXXX the first {$39.00} fee has not been refunded.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. ()

Submitted a complaint/request for explanation to Experian about my drastic credit score change. 1 ) Experian responded saying they reviewed the information I attached to the complaint. ( I did not have an attachment ) 2 ) Experian said they contacted my creditors to discuss negative information. ( I don't have anything negative in my file ). Either Experian has me confused with another customer ( gross negligence ) Or, Experian is lying about what they did ( fraud ). I want an explanation for the drastic score change ( XXXX points ) when there is nothing negative in my file. Additionally, I want an explanation of their previous response which is absolute nonsense.
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

I paid my rent all the time i was in XXXX i didnt ow nothing they were XXXX  give the notificacin 30 days before i was in XXXX i paid all the time ithe apartment was under my friend name but for some reason i was in court with legal.a8d and they helping me with the case now they said i need to paid this amount i didnt owe nothing and they never call me i call them i was with roches my Kids were really sick  i have a los of evidente in the court my Kids are XXXX  now Who they can tell them why we need to paid this amount my son was XXXX XXXX XXXX i have my all pictures too saving to report the apartments with roches thrash and i am not only the person in the apartments with this problemi
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I would like to request a verification of record that the address showing on this statement is my correct address. If you can not provide a statement that matches the address on my credit report, please delete this account immediately under the FCRA. Also, please delete any duplicate addresses reporting on this credit report.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (MI)

Dear CFPB, I am writing to file a complaint against Chase Bank regarding the mishandling of a deposit and the subsequent unjustified closure of my account. 

In XX/XX/2024, my friend, while in Michigan, asked a refund of {$20000.00} from the Department of Unclaimed Properties of South Dakota, which was previously held in a XXXX account. Since she was soon leaving the U.S. and did not have a U.S. bank account, she authorized me to deposit the check on her behalf into my Chase Bank account. 

On XX/XX/2024, I received the check and called Chase Bank to confirm whether I could deposit it. The telephone representative assured me that I could deposit a check of this amount. On XX/XX/2024, I deposited the check via an ATM. The next day, XX/XX/2024, I received a notification from Chase stating that my name did not match the check, and I was advised to visit a branch to verify. 

At the branch, after verifying the details, the bank staff confirmed that I could deposit the check, noting that the only issue was the missing signatures. We signed the check, and I re-deposited it at the branch after the staff confirmed there were no further issues. 

However, on XX/XX/2024, I was notified that my account was frozen due to suspected fraud. When I contacted the bank, I was informed that the freeze was because I deposited a check from someone else and that I needed to provide a verified phone number for my friend. I explained that my friend had left the U.S. and did not have a U.S. verified phone number. The representative stated that without it, there was nothing they could do.After multiple discussions with bank staff and a follow-up at the branch, I was told to wait 10 business days for further action. 
Despite following their advice, my account remained frozen. When I contacted the bank again, I was informed that my account would be closed on XX/XX/2024, if the phone verification could not be completed. I reiterated that my friend did not have a U.S. verified phone number, but the bank offered no alternative solutions. I attempted to have the issuing bank withdraw the check, but they informed me that it was too late. Throughout this process, Chase Bank provided inconsistent information and never informed me about the necessity of a verified phone number until after the check was deposited. Besides, I suppose it is difficult for my friend to get a verified phone number when she come back to the USA, because she will hold XXXXXXXX XXXX, instead of XXXX XXXX. 

Despite following all of Chases procedures, the bank ultimately seized my friends funds and closed my account. 

I request CFPBs assistance in resolving this matter by ensuring that Chase Bank releases the funds to their rightful owner and clarifies their policies to prevent similar issues in the future. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-10
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. (GA)

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. 
( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. 
( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( XXXX ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 
( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/XXXX, patients of {$490.00} was late 30 days during the Corona Virus pandemic time, I was ill with XXXX  was staying home till well, then back to work, by the time I received my check to pay TD auto loan payment, it was 30 days late so the company put it in delinquency with the credit bureau, Ive took care of it as soon as I received my money and now XX/XX/XXXX, my TD auto loan is pay in full so Im asking for the delinquencies to be disputed or removed. As I check back on the statement it show that Ive made 2 payments in XXXX of XXXX, {$520.00} and XXXX both was credited on XX/XX/XXXX which only XXXX payment of XXXX is supposed to be made, so I believe its an error as well and its not 30 days pass due