davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

My online access to my Chase bank account and credit cards has been restricted. In XXXX XXXX I took my US passport to a Chase branch in XXXX, Florida to update my status to a XXXX XXXX. After that, I was blocked from logging in to my account. I called multiple times and visited the branch and finally was told that I have an XXXX restriction on my account. Since then, I have contacted different departments and visited Chase branches and received conflicting suggestions from Chase on how to clear this restriction. Nonetheless, I have followed all of these suggestion and provided documents and faxed a notarized " XXXX XXXX XXXX '' to the number that was given to me. Despite all my efforts, my access is still restricted and Chase is not offering me any path forward to remove it.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX ) XXXX XXXX XXXX  account number is XXXX - - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for 15 USC 1681e ( b ).
Consumer complaint received 2023-04-01
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TX)

I requested an email because i was looking for written consent from this company. I never consented to conduct business with this company. Which is a void in agreement. Also it is my right to XXXX XXXX XXXX discharge by cancellation or renunciation. A person entitled to enforce an instrument, with or without consideration may discharge the obligation of a party to pay the instrument. Also 15 usc 1666b no such thing as a late payment 15 usc 1692j deceptive forms. I would appriciate if this can be cleared because they have clearly violated my rights and are in default by us codes. 
.. Thank you
Consumer complaint received 2020-06-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

Subject : XXXX XXXX American Express for Misleading Advertisement and Unfulfilled Promotion Date : XX/XX/year> To Whom It May Concern, I am writing to file a formal complaint against American Express ( AMEX ) concerning a misleading advertisement and subsequent issues with the fulfillment of a promotional offer. The details of my complaint are as follows : 1. Advertisement Details : On XX/XX/year>, while browsing on my XXXX, I came across an advertisement from American Express promoting XXXX Membership Rewards points for new sign-ups of the American Express Platinum Card . I have attached a document labeled 'Misleading Advertisement ' which includes a screenshot of the promotional offer as seen on my XXXX. 

2. Application Process : Attempting to sign up through my XXXX, I encountered a technical error. Consequently, I proceeded to complete the application on the American Express website using my desktop computer. Despite successfully completing the application, I was only awarded XXXX Membership Rewards points instead of the advertised XXXX points. 

3. Communication with American Express : On XX/XX/year>, I contacted American Express customer service by phone to address the discrepancy. I informed them that I did not receive the promised XXXX points and requested to withdraw my application and reapply. However, I was advised against withdrawing my application. Instead, I was instructed to submit proof of the advertisement to American Express, with the assurance that the points would be adjusted accordingly at a later date. 

I promptly submitted the proof of the advertisement on XX/XX/year>, as directed by American Express. Based on the advice given, I did not withdraw my application. 

4. Resolution Attempts : On XX/XX/year>, I inquired about the status of my points adjustment. I was informed that American Express had rejected my request to adjust the points to the advertised XXXX. Additionally, I was told that I was now beyond the timeframe to withdraw my application, leaving me with a card that only provides XXXX points. 

5. Complaint Summary : The misleading advertisement by American Express and their subsequent handling of my request have caused significant inconvenience and disappointment. Despite following their instructions and providing proof of the advertised offer, I am now stuck with fewer points than originally promised and unable to withdraw my application. 

This situation reflects a predatory and misleading marketing practice that has unfairly affected me as a consumer. I request that the CFPB investigate this matter and take appropriate action to address the deceptive practices and lack of fulfillment by American Express. 

Thank you for your attention to this matter. I am hopeful that the CFPB can assist in resolving this issue and preventing similar occurrences in the future. 

Sincerely, XXXX
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NJ)

I received a letter form Credit Control , LLC saying they are trying to collect a debt that's claiming I owe to XXXX XXXX. I in fact do not owe them anything. I do not owe Credit Control , LLC either. I told them to cease and desist for this reason. The letter is not dated and says to write back by XX/XX/year> to dispute the debt.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I received a letter form XXXX XXXX XXXX XXXX saying they are trying to collect a debt that's claiming I owe to LVNV Funding. I in fact do not owe them anything. I do not owe XXXX XXXX XXXX XXXX either. I told them to cease and desist for this reason. The letter is not dated and says to write back by XX/XX/year> to dispute the debt.
Consumer complaint received 2023-04-01
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. (OH)

I had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents XXXXXXXX XXXX. This is effecting my livelihood. It is effecting my ability to run my business.
Consumer complaint received 2024-09-13
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. (TX)

XXXX # 1 XXXX XXXX XXXX Date opened XX/XX/year> Charge OFF {$14000.00} EXPERIAN # 1 XXXX XXXX XXXX Date opened XX/XX/year> Charge OFF {$14000.00} XXXX Date opened XX/XX/year> Charge OFF {$14000.00} I called the credit bureaus and sent in debt validation letters, disputing letters, and they told me that I needed to call the company who Im having an issue with. I called XXXX XXXX XXXX they told me that I have to keep it on my credit another year. 
I asked them to please provide copies of the legal notices and proof of the commercially reasonable manner of the subject vehicle. 
They did not provide me with that information within 14 days from receipt of this notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Under 15 U.S. Code 1681c-2 Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681s-2 ( 8 ) ( E ) Under 15 U.S.C. 1681i ( 5 ) ( A )
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (AL)

I have received my credit report from XXXX I have contacted Comenity bank/Victoria numerous times and even disputed it with the Credit Bureau . I am requesting a Goodwill Adjustment to remove the late payments. 
I know this request is unusual, but it is ruining my good credit standing, and I have never received proof of accuracy after any failed dispute.
Consumer complaint received 2024-09-05
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: DISCOVER BANK (FL)

XXXX XXXX XXXX XXXX XXXX Discover Financial Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute a debt that your agency is attempting to collect on behalf of Discover Financial Services , Inc. I am requesting validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ).

The details of the debt, as provided to me by your agency, are as follows : Original Creditor : Discover Financial Services, Inc Account Number : N/A Amount : {$5800.00} Date of Debt : XXXX I am requesting that your agency provide me with the following information : 1. Verification of the debt, including the original creditor 's name and address. 
2. Verification of the amount owed, including an itemized breakdown of any fees or charges.

3. Proof that the statute of limitations on this debt has not expired.

4. Proof that your agency is licensed to collect debts in my state. Please provide proof of ownership of the debt.

5.Proof of authority to collect this debt in the state of Florida.

6.Please produce a copy of your insurance in bond in the state of Florida.

7.Please provide proof of how your company assess this debt. 

8.Please provide credit history.

9.Proof of the original contract bearing my signature.

10.Please provide chain of title.

11.Does this company own the debt or is it a signed contract.

12.Please provide all letter correspondence sent to me regarding this debt.

13.Please provide last payment date on this debt.

I am also requesting that all collection activities be ceased until the debt has been validated. 

Please provide this information to me in writing within 30 days of receiving this letter. Failure to comply with this request may result in legal action being taken against your agency. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (IL)

It has come to my notice that several accounts have been established without my explicit consent, tarnishing my credit report and financial reputation. 

I have taken immediate action to address this unfortunate situation by submitting various documents that substantiate my claim of not being affiliated with these fraudulent accounts. I have also reported the incident to local law enforcement, resulting in the filing of a formal police report. Furthermore, I have lodged a complaint with the Federal Trade Commission ( FTC ) to document this egregious violation of my personal information. 

In light of the aforementioned steps taken to rectify this issue, I kindly request that your esteemed institution initiates a thorough reinvestigation into the matter at hand. It is imperative that the erroneous entries on my credit report, stemming from the unauthorized accounts opened in my name, are promptly removed to prevent any further damage to my financial standing.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-09-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (WA)

In XXXX, I received a notification that my escrow account was likely going to be short since my county taxes had increased. I did not receive an amount needed to be changed and I have my bank cut a check on the XXXX of every month to Mr Cooper. 

On XX/XX/XXXX, my payment went out and was received by Mr Cooper but placed in a " service account '' and not applied to my mortgage. 

In XXXX, I did not receive a mortgage statement but on XX/XX/XXXX, my payment was sent. My payment was again placed in a " service account '' and no contact was received from Mr Cooper. 

In XXXX, I did not receive a mortgage statement but on XX/XX/XXXX, my payment was sent and received by Mr Cooper and again placed in a " service account ''. 

In early XXXX, I received notification from Mr Cooper that none of my payments were received and that I was going to be in default and foreclosed on if I did not contact them within 30 days. 

On XX/XX/XXXX, I called Mr Cooper to figure out what happened to my payments. Mr Cooper 's representative said, " Oh I see what the problem is, your account was short by XXXX $ and you need to make that payment immediately. I will apply your previous payments to the outstanding missed payments ''. On XX/XX/XXXX, my XXXX $ was deposited. 

On XX/XX/XXXX, I received a call from Mr Cooper telling me that my home was going to be foreclosed on and that I'd missed XXXX payment, and would I like to pay them over the phone for the missing mortgage payments and late fees. I declined ( I wasn't at a place I could make a payment, and previous had discussed this with Mr Cooper on XX/XX/XXXX, including the immediate payment ). 

On XX/XX/XXXX, I received from Mr Cooper notification that my deposits to them had been placed in a service account until they could determine what they were supposed to do with it, and that I was short XXXX XXXX I cut a check for XXXX to Mr Cooper and it was deposited on XX/XX/year>. 

On XX/XX/XXXX, I received a letter from Mr Cooper saying that if I did not contact them within 30 days, they would begin foreclosure proceedings. I also received from Mr Cooper my mortgage statement from XXXX. 

On XX/XX/XXXX, I called Mr Cooper again, asking why I was being foreclosed on. Mr Cooper 's representative told me that the account was up to date and that it was an automated process, and that I could disregard it. 

On XX/XX/XXXX, I received a mortgage statement from Mr Cooper for XXXX. This one shows I owe XXXX $ in 'fees and charges '.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (PA)

On Sunday XX/XX/XXXX, I received a XXXX chat from my cousin, XXXX, asking to borrow XXXX {$500.00}. which she was going to repay the next day. I sent the money to her via XXXX and called her to confirm it was done. I couldn't reach her so I called her husband and it was at that point that they told me her cellphone was hacked and it wasn't her requesting the funds. I immediately called my Account holder, PNC Bank, and the XXXX assisting me told me the transaction was pending and she couldn't do anything about it, the Bank wouldn't even allow me to file the complaint until Tuesday when the transaction was settled- makes not sense! After the Bank wouldn't take the report I drove over to the XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX ) and made a report there. 
When I was finally allowed to make the report to the Bank via the telephone they rejected my claim. I drove over to the local Branch with all the evidence ( the texts, Police Report ) hoping that it would solidify my case, after they would have seen that there was no way I could have known I was texting with a scammer. They again rejected my claim. I filed a complaint with the FTC and sent an email to the Head of PNC 's Retail Banking ( XXXX XXXX ), after my claim was rejected a third time. 
I ask that you kindly look into this for me with the aim of having my funds returned to my account.
Consumer complaint received 2024-08-31
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: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/year> I thought I was booking a round-trip flight from XXXX  XXXX XXXX XXXX to XXXX, XXXX. I was using the XXXX XXXX website ( this is a fairly routine trip for me, I reserve it several times a year ). When I attempted to add a rental car to the reservation I was somehow ( unknowingly ) directed to another website " XXXX XXXX  '' which turns out to be XXXX. You will note on the attached documents that " XXXX XXXX  '' uses many of XXXX XXXX logos and for all intents and purposes appears to be the same company as XXXX. After I booked the reservation on XXXX XXXX I realized that I had been misled to this website and that other, more desirable travel times and rental car options were available on the XXXX website. I IMMEDIATELY cancelled the reservation on XXXX and assumed that a refund would be coming to my AmEx credit card. After several days, when the refund did not appear, I called XXXX and was informed that the airfare portion of the reservation would be refunded but the rental car portion could not be refunded. I have not received the airline portion of the refund and I strongly disagree with the failure to issue a refund for the car. This is a VERY deceptive practice by XXXX. 

The first five pages of the attachment are the receipt for the trip and the following pages are AmEx 's explanation why the refund can not be processed. I honestly don't believe a real person at AmEx reviewed this complaint. As stated above, I disagree with everything XXXX is doing. I won't be doing business with either of these companies in the future. I would truly like to see CFPB 's involvement in this deceptive practice and I look forward to receiving your response.
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. (GA)

Kindly delete this account from my report because I have no idea or knowledge about it. I have also reach out to the below companies to inform them that I didnt request for any auto and credit card. 

Please delete the below hard inquiries from my report because its as a result of identity theft on my account. 

XXXX XXXXXXXX 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 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 XXXXXXXX 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 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 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 XXXXXX/XX/XXXX EXPERIAN 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 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 XXXX XXXX XXXX XXXX XXXX XXXX I will greatly appreciate if my request is granted asap.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (CA)

On XXXX I sent payment to XXXX XXXX for a flower wall for an event as soon as I sent payment he blocked me and effectively scammed me. Sofi bank and XXXX XXXX have done absolutely nothing to assist me and I really need my funds back.