davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (KY)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (OH)

They closed my account. Because I had fraud charges on it. 
They put my account into the negative and said I owed for charges I didnt make. 
I had {$1000.00} transferred to my account today. And now I cant access it. And I had {$100.00} in my savings account. That is all the money I have, and now I cant even log into my account. Because my card numbers were stolen. 
They also approved half of my disputed with XXXX XXXX. That I disputed on the same day! When I questioned them about it.. they couldnt explain why half of them were approved and the other half wasnt. So, they close my account? This is so unfair. Im a single parent and that is all the money I have. I have {$10.00} to my name. And now Ive been on the phone with them for 15 mins and the system wont connect me to someone. Or let me chat with someone. This is awful.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Upgrade, Inc. (UT)

Didn't receive enough information to verify the debt Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b ( 2 ). Company has also NO Permission to REPORT ANYTHING using my info pursuant to 15 USC 1681 4
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AXOS FINANCIAL, INC. (CT)

I made my mortgage payment usually by calling in difficulty accessing mortgage website. I had a contact person at the bank name XXXX, who encourge me to call or email him due to multiple customer staying difficulty with the website. I have call in payment for the duration of the loan. In XXXX, I called in my payment and quickly realize that the money was still in the account before the ending of the month, I send an email to XXXX asking why the payment was still in my account and sent the corrected banking information to XXXX and payment was debited on time. XXXX payment was call in upon returning for overseas on XX/XX/year>. I realize that no debit on my account on XX/XX/year>. I ask the bank to read the account number on file of which they did not correct the account number, the error was the same as lat month, the bank had an extra XXXX XXXX  in my account number, so it rejected I quickly brought this to Axos bank attention and also letting them know this error was the bank error. However, even with the email as evidence, I was ignored and reported as late that severely impacted my credit. I am in process of purchasing another property at this time. I receive a change of address in the mail, I do not believe I requested this. The correct information on the loan, should have been in the banking system from day one of servicing. 
Please assist as soon as possible.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

On XX/XX/year>, Midland Credit Management added a derogatory mark to my credit reports. There was no written communication, agreement or signature on this account. Please provide me with the following : What is the purpose of the money you say I owe. Explain and show me how you calculated the amount you say I owe. Provide proof or a copy of any judgment, if applicable. In the previous dispute, they indicated that I owe one amount, but credit reports show a completely different amount, which increases every month. At the same time, this company did not even try and is not trying to contact me, but also does not remove this destructive mark from my report.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

I am attempting to gain access to home refinancing however, have received a much higher XXXX due to a lower XXXX XXXX which in part is due to JP Morgan Chase Bank falsely reporting an incorrect status on ( XXXX ) accounts which show on my XXXX XXXX credit report as a " Charge Off '' however, I entered into a payment agreement with them several months ago and have made every payment as agreed. I contacted JP Morgan Chase Bank XX/XX/XXXX, respectfully requesting the status be updated to show as paying as agreed or other positive status to report accurately based on our agreement, which coincidently was only agreed to on my part do to threats of attorneys taking me to court for judgment. 
The agent I spoke with XX/XX/XXXX, stated that the status was accurate and would " Not '' be changed. I voiced my concerns again and stated that it was fraudulent and they could not report as a charge off ( 15 U.S.C 168 ( 2 ) ( a ) ( i ), which if I am reading correctly states a charge off is " Income '' and can not be reported on a credit report. She still refused to make any changes so I ended the call stating I would be pursuing this via all legal avenues available and requested verbally a Cease and Desist on their part.
Consumer complaint received 2024-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armstrong and Associates, Inc (AL)

No statements no calls no nothing. This is on my credit from years ago and not once did even I received bill or notification or call about the debt. I had insurance on the times I was seen and no indication that I was going a bill. Can not get hold of the debt collector or the original party. I would like this off my credit.
Consumer complaint received 2024-07-18
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: U.S. BANCORP (FL)

On or about XX/XX/year>, I was contacted by XXXX XXXX XXXX, Fraud Department about a potential fraud on my account. When I spoke to the representative, I advised that I did not make, nor did I authorize a purchase at the XXXX XXXX which is more than two hours away from my home. I reported this as fraud and asked them to credit my account. They said because my card was in my possession, then I am at fault. I have appealed and asked for reconsideration sending them a copy of the XXXX XXXX XXXX Police Report and I have also sent them the Affidavit of Identity Theft from the FTC. XXXX XXXX XXXX refuses to believe me and continues to threaten that if I do not pay the {$600.00} they will send me to collections. I'm a XXXX XXXX XXXX XXXX person and have never had anyone treat me in this manner.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX XXXX XXXX XXXX  Account Number : XXXX The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be deleted and update as agreed this payment history 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

A transaction of {$850.00} was done on XX/XX/24. 

The purchase was a customize handbag from XXXX. A company I have never had any prior transactions with. An XXXX child had stolen my phone without my knowledge and innocently pushed through the transaction. I was notified by my bank and immediately contacted both the merchant and the bank. I notified the merchant this was not an authorized transaction and to please cancel. I contacted the bank and reported it as fraud and an unauthorized transaction. 

The merchant ( XXXX  ) did not reply until XX/XX/24 XXXX days later that they could not cancel the transaction. And on their return policy stated they would not accept returns for a customized items. 

I contact my bank ( Chase ) with concerns that if I was unable to return the product would the merchant challenge the unauthorized item. Chase assured me it would not be relevant and to not contact the merchant as they would deal with the claim themselves. Chase then proceed to cancel my debit card twice over the span of XXXX months as they investigated. I constantly called Chase to get updated on the claim process and was told to wait. Until I received a notice on XX/XX/24 that my claim was denied and I would be charged for this unauthorized fraudulent transaction. 

It took over 60 days to get this response from Chase with no explanation. I am very frustrated with the level of service and how it can be legal to authorize a fraudulent transaction made by a XXXX child who has no relation to me. Please help me resolve this.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IL)

This is a follow up on a XX/XX/year> A transaction of {$11000.00} went through to a XXXX autopay that I did not authorize nor have this XXXX account. I have called XXXX about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called XXXX to have it closed and/or was told I do not have this XXXX  credit card account as far as I remember. However, a transaction was made from my XXXX under the same XXXX credit card issue I have complained about it being used not under me. I have asked for investigation from XXXX XXXX XXXX  enclosed a letter declining my request for refund and removal from my profile and adamant that I received benefit from this transaction. I have went to a XXXX location and they refused to help. I filed complaints to dispute this transaction and XXXX decided to turnover to a debt collector - Cavalry SPV I LLC to sue me for owing them a debt.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HOPE BANCORP, INC. (CA)

On XX/XX/year>, I have requested a bill payment to a maintenance company who served my church. In XXXX, I found out that the company did not receive the bill payment check from the bank XXXX XXXX  XXXX XXXX ) but the check was cashed out somehow. I have requested information for that check to bank to find out whom to paid. Bank investigate the maintenance company to make sure that it was not a scheme/fraud. The maintenance company did provide all requested documents that the company did not receive nor cashed the check. I have requested to the Bank to return the money ( {$1500.00} ) back to my checking account but XXXX  XXXX XXXX did not return the money yet. XXXX  XXXX XXXX has blamed Bank XXXX XXXX did not take any action to return the money back to XXXX XXXX XXXX. These two banks threw a ball to each other to avoid blame and try to avoid pay back my money. If XXXX  XXXX XXXX find who withdraw money ( {$1500.00} ) then Bank XXXX XXXX charge back to that account and return the fund back to me instead of dragging almost a year without any response. This is bad, very bad practice.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (NJ)

Identity theft occurred in XX/XX/year> for XXXX $ under A XXXX purchase that was processed by Affirm. Used my Credit card to to pay 2 payments after and upon me changing my card due to other activity not related to affirm There was no more payments made. However 2 years later i find out that there is an affirm personal loan in my credit report that i was Unaware about. upon calling Affirm no Help or assistance help regarding identity theft they insisted that the loan belongs to me. Regardless of the documents they have, which were electronically signed By the Theif They fail to follow protocol.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WorldRemit Corp. (KY)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against WorldRemit for Account Closure Without Explanation Dear CFPB, I am writing to file a formal complaint against WorldRemit, a money transfer service provider, for closing my account without providing any explanation. Despite multiple attempts to resolve this issue directly with WorldRemit, I have been unable to obtain any satisfactory response or reason for the abrupt closure of my account. 

On [ approximately one year ago from todays date ], I received a notification that my account had been closed. No specific reason was given for this action, and I was left without access to my funds and the ability to complete any pending transactions. 

Here are the details of my account and the issue : Name : XXXX XXXX XXXX Email Associated with the Account : XXXX Date of Account Closure Notification : Approximately one year ago Unfortunately, I do not have my account number as WorldRemit has not provided it despite my requests. 

I have made several attempts to contact WorldRemits customer service to understand the reason behind the account closure. However, my inquiries have either been ignored or met with generic responses that do not address my specific concerns. This lack of transparency and communication is highly concerning and has caused me significant inconvenience and distress. 

As a consumer, I believe it is my right to know why my account was closed and to receive proper communication regarding such a serious action. I am seeking the CFPBs assistance in this matter to ensure that WorldRemit provides a clear explanation for the account closure and addresses my concerns promptly. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Despite my request for validation pursuant to the FCRA, Toyota Financial Services has failed to provide any response. Under 15 U.S.C. 1681s-2 ( b ) of the FCRA, Toyota Financial Services is prohibited from reporting on my credit profile while the account is in dispute without including a notice of the dispute. Nevertheless, Toyota Financial Services continues to report inaccurately, which is severely impacting my credit rating.