davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I submitted a dispute for 3 XXXX accounts and then these three were purchased by XXXX XXXX XXXX. I dont think they did an actual investigation. Otherwise, why is it ok for a company to say theyll delete accounts, not do it, and then the credit reporting agency be fine with it? I have sent them evidence of the company indicating they were deleting and they didnt even seem to look at this. They are just accepting that the company said its legit as though that should be enough. XXXX have repeatedly asked for a verification of debt and they havent done it. They ignore that I asked for and the company ignored sending me a copy of the contract or anything showing my signature and they ignore or refuse me. I asked for an exact breakdown of fees and they refuse. Funny how it says credit limit of {$100.00} but owe like {$400.00}! I dont think they really investigated. Its like they just contacted XXXX and XXXX and took their word for it. They have the same debts on their twice both with original comenith and then XXXX XXXX XXXX. Because I had no card number they wouldnt even talk to me! I want them to have to show what I owe! I asked them to provide what the money they say I owe is for and they have ignored me. I asked them to explain and show how they calculated what I owe and they refuse. I asked for a copy of any paper bearing my signature. I asked for proof of agreement from me. They provided no proof at all, ignore my requests for the last three years, yet still report to credit agencies and the credit reporting agency honors them! This isnt right! Id like credit reporting agency to get a signature, contract, or fee breakdown to actually verify!
Consumer complaint received 2022-12-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Earm LLC (KS)

The gentleman, XXXX XXXX, who calls has done so numerous times regardless of blocking, speaking to him/them, and calling them back. I have called them back and asked for verification of debt. They could not provide that. The recordings and the communication from the " company '' are threatening. I have called back on " off hours '' and it rings nearly 20 times before rolling to an " old school '' answering machine. It is XXXX XXXX 's voice on the recording which is interesting if this is supposedly a company -- even their cover story has holes. He states it is " MAC  ''. Which may be this company? The number and XXXX have been reported to CFPB. 
https : XXXX The voice message claims a debt and threatens with legal action, arrest, etc. When speaking to them they claimed information from well over a decade ago that was actually paid and was from an account that was closed YEARS ago from XXXX  XXXX XXXX. 

Number they ask you to call back is : XXXX
Consumer complaint received 2023-02-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (GA)

On XX/XX/2023. I experienced an adverse action from the assigned Creditor ; Affirm Incorporation for exercising my right in good faith for an extension of credit and my right to privacy during this consumer credit transaction. 

DEFINITIONS ( BELOW ) The definition of Creditor Pursuant to 15 USC 1691a ( e ) - means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the DECISION TO EXTEND, renew, or continue credit. 
According to 15 USC 1691 ( e ) any assigned Creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. 

Affirm discrimination practices violated the Equal Credit Opportunity Act and the Fair Credit Reporting Act. Affirmed mention that my interest in a loan was denied. I did not apply for a Loan, I applied for extension of credit which can not be denied under the Equal Credit Opportunity Act. Pursuant to the FCRA, Affirm should have offered the consumer an opportunity to show other means of a credit report that holds more positive credentials than a negative report unfortunately, Affirm fail to comply with that subchapter who was the assigned creditor when I applied for the extension of credit.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (GA)

I have a chase sapphire reserve cards which promises reimbursement on trip delays due to weather of 6 hours or more and rental car accidents.

My flight was cancelled due to inclining weather, I called the bank to confirm that the situation would qualify as a trip delay/ cancellation and then I proceeded to use money to book other means of transport. After I filed the claim XXXX which goes to their contracted party, wait times are very long and they keep requesting documents which the airline already reported they can not provide. I already provided the documents explaining the situation as well as airline provided documents explaining the flight was cancelled due to weather but the claims company continues to request very specific set of statements that the airline must say so they can process my claim, i went to online reviews and thousands of other customers had the same problem. How come these claims insurance companies are not held accountable for their responsibility
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IA)

Credit Acceptance Corp Alleged date opened XX/XX/XXXX Original balance {$5000.00} Settlement payment {$580.00} Paid on XX/XX/XXXX Alleged date of first delinquency XX/XX/XXXX Alleged date of last payment XX/XX/XXXX This account was for an auto loan. The vehicle I had I had asked Credit Acceptance to take back. A repossession was not necessary but they insisted. Upon settling this account I was PROMISED a " courtesy delete '' upon my settlement payment and was told the account would be removed from my credit reports in XXXX days. It was never removed as PROMISED!! Also I do not believe this Creditor is reporting correct information and historical information is missing. The creditor couldn't even verify my address when I contacted them.
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

Chase issued a new card and I always insist all cards on autopay. Alerts were not forwarded to my phone as with other cards. My XXXX XXXX XXXX  debit card was wrongfully closed by an associate and I was not informed during phone calls to JP and other regular charges through XXXX of issues with my card, I shopped unaware of the problems XXXX XXXX services did not ever send alerts. 
A bank associate closed my debit account causing me to physically be unable to bank. I was sick a lot of the time and did not open the mail. An alert from XXXX, not JP, not XXXX caused me to look closer and discover the JP account hadn't been auto-paid and I couldn't physically bank for a small period of time. 
A few accounts were affected and all my perfect rating was affected unintentionally. JP promised to help if I submitted proof and then backed away from it. I asked to have the phone calls listened to for proof of the lack of information and failure to have one payment processed as I requested. I asked for one payment to process which was not done. This inadvertent mistake caused ripples across the bureaus and other creditors shunned and deemed me delinquent as one of XXXX or more payments came in late. I never saw such an unfair form to penalize a consumer. XXXX  XXXX XXXX gave me screenshots of all the documentation they provided as I complained of the problems caused on several accounts, some just billed me a processing fee, others never filed against me and JP is the only unforgiving company and on this unfortunate error compounded by Covid sickness and bank associate error. Please look at the fine print of the documents attached as JP Morgan Chase asked me to submit them in order to possibly forgive the undetected, unalerted, unwilling error.
Consumer complaint received 2023-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (FL)

XXXX XXXX XXXX XXXX claims I owe them {$11000.00} for the original creditor, PNC BANK. Opened XX/XX/2022. I never opened or had a PNC BANK account. PNC BANK is not on my XXXX credit file. XXXX XXXX XXXX XXXX needs to remove this false information immediately.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

XX/XX/XXXX I received an email from Chime Bank saying that my account had been in review and that i should review the Chime Deposit Account Agreement. i read it but i was never told of what i had done wrong just that my account was closed. I emailed Chime about my social security XXXX check that was coming direct deposit. It has come direct deposit since i opened my account in XXXX with Chime Bank. They emailed me back stating that i had no refund coming. My XXXX check was there so i called social security 's XXXX location to ask if they could hold my entire check and keep it. Thats when I was told my check was indeed deposited into Chime Bank but it wasnt on XX/XX/XXXX it was on XX/XX/XXXX. Why was my check deposited to a closed account? Why didnt the bank return it to SSI cause my account was closed? Chime has never answered that question so i proceeded to email chime daily to try to change thier mind to keep my change of about XXXX dollars. ive told them i read the disclosure but i dont understand what i did wrong? my XXXX check has come direct deposit the same way everytime as far as I know. the emails i got became very frustrating. everyone were signed by a different staff member and every one gave me a diiferent thing to send them in hopes of them releasing my refund. i asked several times could someone please call me. i was told someone would be finishing up and would be following up with me. that never happened. i feel like every person was trying to help and they read what i emailed but they thought they could fix things for me when they couldnt not one of my emails came from the same team member. it was very concerning that perhaps it was a mean game. im XXXX in not a fun way. i have XXXX and XXXX bad. im XXXX and have a very hard time understanding what people think is simple. my account is a debit account only no checks with a Chime account so i didnt have much to pay. i asked for an itemized list of charges that they are charging me for closing my checking and savings accounts. i get nothing no explanation. As of XX/XX/XXXX my account remains closed and took away my access to look at my account thru the chime app. They also blocked my phone so i can only ask about being a new customer. XX/XX/XXXX Chime took my XXXX check an told me im not getting any refund. Thats my only source of income so I dont get to pay my bills or eat anything.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account numberXXXX Date opened : XX/XX/XXXX Account mame : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 2 ( A ) ( 1 ) 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.

privacy and Confidentiality under 15 USC 1681.
Consumer complaint received 2023-06-12
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-09-19
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. (FL)

XXXX XXXX  XXXX and Experian continued violations o rights under the Fair Credit Reporting Act. I am also a victim of identity theft.. My information was exposed in the XXXX security breach back in XXXX, despite providing all necessary documents to resolve the issue, both XXXX XXXX  and Experian have failed to take appropriate action for over 2 years, This has resulted in ongoing inaccurate reporting on my credit report, this has been causing me emotional trauma, stress, and defamation of character. 

In addition to being a victim of identity theft, I have repeatedly requested debt validation from XXXX XXXX. They have failed to provide any validation for the debt, which violates my rights under the FCRA and the Fair Debt Collection Practices Act!! 
Also Failure to Remove the Account : Given that no debt validation has been provided, and this account was a result of identity theft, I have repeatedly requested that this account be removed from my credit report. However, both XXXX XXXX and Experian have ignored these requests, continuing to report this fraudulent and inaccurate information. 
Inaccurate and Inconsistent Reporting : The account shows numerous discrepancies, including incorrect status updates, balance information, and payment history. Although the account was reported as closed, there continue to be balance updates and charge-offs as recently as XX/XX/XXXX. This inconsistent reporting is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the accuracy of the information they report.

Emotional Distress, Trauma, and Defamation of Character : As a result of these ongoing issues, I have experienced immense emotional distress and trauma. The false and inaccurate reporting has damaged my credit score, hindered my financial opportunities, and has unfairly portrayed me as financially irresponsible, leading to defamation of character. 
Violations of FCRA and FDCPA : 15 U.S.C. 1681e ( b ) : XXXX XXXX  and Experian have failed to ensure the accuracy and completeness of the information they have reported on my credit file. 
15 U.S.C. 1681i ( a ) : Despite my disputes, both parties have failed to conduct a reasonable investigation into the inaccuracies and continue to report false and unverifiable information. 
15 U.S.C. 1681c : The continued reporting of outdated, inaccurate, and fraudulent information is in direct violation of the FCRA. 
15 U.S.C. 1692g ( FDCPA - Debt Validation Requirement ) : XXXX XXXX  has failed to provide proper debt validation as required by law after my repeated requests.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I was expecting an ACH payment from a customer which didn't come through. Upon inquiring with the bank, I learned all my checking and savings accounts ( personal and business ) were being closed by the bank. The bank refused to provide a reason for the closure ( after consistency asking ). I had an appointment at a branch ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and I was told the representative was at another branch that day. I tried calling him but he never answered. I even left him a voice mail. I was able to open other accounts are XXXX XXXX because my accounts had not been closed by then. If there were, they would be tagged to " involuntary closure '' in the " XXXX '' database which would prohibit me from opening a bank account at another company. I went to another branch and the representative tried her best to get my money released by the specialist she was talking to refused to give her the approval ( she even asked to ask to his supervisor but she was indefinitely put on hold ). I was told my money would be released in 12 days. It was the first of the month and I had to pay rent. It was my first month at a new place and the bank didn't understand the magnitude of defaulting on your first month of rent ( when you never did and didn't have to ). What I found out from applying to a business account is that the address provided can never be virtual location with a real street address but rented only for mailing purposes. I have a virtual address to shield my residence from the public so I rent an actual address through XXXX XXXX XXXX which helps me avoid a ton of junk mail. I provided my virtual address to the Chase agent but he did not guide me through the open opening process. The banker at XXXX XXXX was very thorough and I appreciate her guiding me through the process. That helped me avoid using my virtual location address. I hope to ( i ) get a response on the reason for my account closure and ( ii ) avoid restricting my future ability to bank in the US ( e.g., through XXXX ) given I'm a law-abiding citizen who has done nothing but religiously abide by the law and upload the most ethical of values. I've included my accounts details in the attachment. 

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 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I approved Bank of America application number XXXX, under transaction I.D . # XXXX, on the XXXX of XXXX, XXXX, upon me, applying my assigned allotted Social Security Number account, that registers a future commodity collateral security promissory note, interest bearing debit and its face value credit, but Bank of America is committing consumer fraud, by using my assigned Social Security Number account, for identity verification purposes, therefore attempting to establish the authenticity of any 100 % insured purchasing powers granted through my assigned Social Security Number account, as a gift to Bank of America, in lieu a benefit to me. 

Consumer Fraud is a deliberate misrepresentation on which a banking business intends for natural persons to a consumer account to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies, to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural person to a consumer account will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. 

Pursuant to Executive Order 9397 of FRANKLIN D ROOSEVELT, November 22, 1943, the Social Security Act assigned unduplicated account numbers to each individual blind trust or legal person formed by a state file number, and only allows the collection of SSNs to be used as consumer account numbers and does not authorize the collection of SSNs for identity verification purposes, which causes consumer fraud by a deceptive practice.

Therefore I am reporting this to the Federal Trade Commissions, Bureau of Consumer Protection that stops unfair, deceptive acts practiced, by lenders misrepresenting a Social Security Number account, for identity verification purposes, which is consumer fraud practiced by deceptive acts of banks.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute the inaccurate reporting of the negative account on my credit report. The discrepancies in how this account is reported across the three major credit bureausTransUnion, XXXX, and XXXXare both misleading and damaging to my credit standing.
Consumer complaint received 2024-11-15
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. (TN)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES 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