davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-11-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (FL)

XXXX called XX/XX/19 and left automatic voicemail. XXXX called XX/XX/19 at XXXX pm and left another voicemail. XX/XX/19 left another voicemail. XX/XX/XXXX, at XXXX pm left another voicemail. This is chase bank.
Consumer complaint received 2024-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc. (VA)

Bounce AI first contacted me about a month ago regarding a debt owed to a company called XXXX from XXXX to XX/XX/XXXX. They claim to be a debt collector and have provided me with no proof that they own or were sold the debt or evidence that I consented to XXXX to provide them with my information. I know for a fact that they do not own the debt as the debt does not exist for the following reasons. 

I purchased a 50 '' XXXX TV from XXXX on what was basically a lease to own basis. When I received the product it did not work, and after about XXXX days of attempting to exchange the product or have it refunded, the company refunded what I had paid to that point and advised that I could " recycle it at your discretion ''. 

XXXX attempted to contact me once again in XXXX and I had to remind them that they cancelled the order and refunded me, and now we are having this issue again. The email communication that I received today stated that " XXXX XXXX  XXXX '' would be added as a collection account to my credit report in 26 days. I would also like to point this out as further proof that the debt collector has no authority to collect the debt. 

I have attached the email correspondence from XXXX to this complaint in both a text file that is mostly in order as well as the original emails from the company. 

For reference : Bounce AI Reference Number : XXXX XXXX  Account : XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NV)

The company one main is still reporting the account as late..XXXX  days now. It was settled for less. Agreed to by the company. They are getting their payments for over XXXX  months. They agreed to remove the negative information they reporting off my credit reports. They are not living up to their agreement. Remove acvount and late payments off my accounts. Credit reports are wrong
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXXur business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$2600.00}
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-16
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation (PA)

The company emailed me stating I was pre-approved for an offer. I wanted to look into the offer, but made it known that I did not want a hard pull to my credit. After being approved for the pre approval process, I decided to move forward and attempted to go through the entire process to get approved. I understood my credit would undergo a hard pull for the purpose of receiving funds. I was told I was officially approved for XXXX XXXX dollars online.Then a representative called me and stated, I had to refinance my vehicle under one main financial in order to get approved for the loan and that the loan would be for {$7000.00} and not {$15000.00}. He asked me for additional information which I provided. And then told me, I was not eligible for the loan at all. When I asked why I received an email confirmation stating I was approved for {$15000.00}, he stated he could not tell me why that would happen. He stated there was nothing he could do about. The horror pool to my credit. I feel like I was tricked into providing very sensitive information and having a hard pull on my credit. I feel like this company exploited me during weakness. I can not afford a hard pull to my credit as I am already trying to get out of other debt.
Consumer complaint received 2024-10-28
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: GOLDMAN SACHS BANK USA (TX)

Purchased XXXX XXXX XX/XX/XXXX online at XXXXXXXX  in response to an 12 interest free offer. I had to agree to autopay. I received computer XX/XX/XXXX. On XX/XX/XXXX Apple Card ( Goldman Sachs ) took entire purchase amount from my checking. I reached out to Apple Card and got transferred to XXXX. XXXX told me that it was too late for me to get a refund and transferred me to Apple Card. Apple card offered a new loan but said they couldn't return my money. I called them again last Wednesday and they posted a new installment loan to my card as restitution. How is that supposed to be restitution? The offer of 12 months interest free was an enticement that magically disappeared.
Consumer complaint received 2024-09-15
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information 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
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I opened a 360 checking account with Capital one on XX/XX/XXXX. On XX/XX/XXXX I recieved an email from capital one stating that they've decided to close my account because they observed activity that was inconsistent with their terms and conditions. In the email they failed to mention the exact activity they observed me doing that violated their terms and conditions. In that same email I was told that a check will be mailed to my address on file within 7 to 10 business days. We are XXXX business days in and I still haven't recieved my check from them. I called their customer service line to speak with a representative and I was told that my account is under investigation and after the investigation my check will be mailed to me. In the email I recieved from them on XX/XX/XXXX they failed to mention an " ongoing '' investigation regarding my account. I honestly regret banking with them because they don't care about their customers and ive came across several customers of theirs on social media who had gotten their accounts closed without cause also. Legally, a bank must return any funds in your account, if they decide to close your account with them and I would like my check. Capital one has a big history of dishonesty with their customers and I don't trust them to honor the 7-10 business they say that they will take to send me my check.
Consumer complaint received 2024-09-15
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. (PA)

i am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Specifically sections 611 ( 15 U.S.C.. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed
Inquiry :
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (GA)

Dear CFPB, Sorry I had to file complaint again and my previous complaint got closed without my consent. 

XE claims that I didn't meet regulatory requirements, but they don't clearly mention what regulatory requirement I have voilated. 

They think they simply mistreat customers for no reason and trying to escape in the name of regulation. They are accountable and answerable to customer before they deny a service. I will fight this case until they clearly state what I have voilated, I am NOT accepting any wrong doing here to get rejected in the name of regulation. 

Thanks and Regards XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NY)

XX/XX/year> I received a personalized email from Ally Invest with a promotion to receive {$100.00} bonus for opening an investment account with a minimum deposit of {$100.00} and setting up a recurring transfer. 

XX/XX/year> I clicked on the link within the promotional email and followed the steps to open the investment account with {$100.00}. I also set up recurring transfers from my savings account at Ally Bank. 

Recurring transfers of {$50.00} each were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XX/XX/year> Phone call with XXXX at Ally Invest ( XXXX ) She assigned XXXX # XXXX and told me she would request a review which would take up to 14 days, then about 30 days later the {$100.00} should appear in my account. 

XX/XX/year> Phone call with XXXX at Ally Invest ( XXXX ). She stated that the case was still being reviewed. 

XX/XX/year> Phone call with XXXX XXXX at Ally Invest ( XXXX ). I emailed him the initial promotional email from Ally Invest dated XX/XX/year>. 

XX/XX/year> Email from XXXX XXXX at Ally Invest stating that I was not eligible for the promotion. 

I have read and re-read the initial email and can not find any disclosure statement that indicates any reason ( s ) for not being eligible for the offer.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (CA)

I had a bank account with ALLY bank from XXXX, in that time I had used XXXX through their app, and it was tied with a token to my phone number and email. 
when I canceled my account in XXXX, the tokens that were attached to the XXXX  account were not released, and now i can not use XXXX  with my email and phone number. 

when contacting XXXX they assured me the only way to use my information was if ALLY bank remove the tokens, i called ALLY bank to remove the tokens, verified my identity multiple ways and ALLY bank confirmed that the tokens are still withheld within there system but that they CAN NOT remove them due to fraudulent activity reported on the account back in XXXX. 

so now a bank that i am not a customer of any longer has my information and tokens locked and will not give me information as to why, or as to how to resolve this issue.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

I have reciepts for all payments made for the following year XX/XX/XXXX to XX/XX/XXXX and the ditech paperwork doesn't correspond to my money orders. they cashed money orders that were not intended for them and caused my insurance to laps so i had to get my own. thats around the same time when they filed for bankruptcy now all of a sudden they say i owe them more money than i was supposed to pay. my account is a set account to never change. now i get a statement saying my payments have changed. i have my own accurate records and am paying my payments continuosly. i have never missed any payments since i purchased the home in XX/XX/XXXX. when ditech filed bankrupcy in XX/XX/XXXX. i  have been trying to resolve this problem for the entire year. but, They refuse to work with me or even refund all of the insurance payments that i payed. i have proof of all my payments. please help me to resolve this issue. their records do not match reciepts that i have sent and even the billing statements that they have sent me dont match. they even went as far as cashing money orders that did not belong to them they were intended for the insurance part of the loan. i have all money orders and paperwork to prove that i that i am in the right and can provide proof. the money orders were cashed but not applied to my account or the insurance payments there are a total of seven money orders that are missing in action and not accounted for all money orders were XXXX and under were intended for the insurance payment to XXXX XXXX XXXX XXXX XXXX they never received the money orders. i dont understand how they messed up my account. and how i am at fault and i feel that they have made a very big mistake. i also feel they are trying to scam me thinking that i dont have the proof proof.. i have everything needed to prove that i am in the right. i would like to know what i can do to correct this problem.
Consumer complaint received 2024-10-09
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. (AZ)

I hope this letter finds you well. I am writing to request the removal of a paid charge-off from my credit report, as well as to bring to your attention certain inaccuracies related to the reporting of this account. The account in question is as follows : Account Name : XXXX Account Number : XXXX I have identified discrepancies in the reporting of this account, specifically regarding late payments and the dates of delinquency, which do not align with my records. This inaccurate information is adversely affecting my credit score and, in turn, my ability to obtain new credit or loans, despite my efforts to maintain responsible financial behavior. 
Please review and send me confirmation of the last paid date, payment history, credit limit, payment status, last reported date and any additional information to validate the information provided to the credit bureau. 
I kindly request a thorough review of this account and an update to the information being reported to the credit bureaus. If these inaccuracies can not be substantiated, I respectfully ask that you promptly remove the charge-off and any incorrect late payment entries from my credit report. Your assistance in this matter would significantly help in restoring my credit standing and alleviating the difficulties Im currently facing in obtaining new credit.