davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

On XX/XX/2023, I went to XXXX XXXX at XXXXXXXX XXXX  and bought 3 packs of XXXX XXXX XXXX for XXXX XXXX Leaving me a Balance of XXXX $ in my US Bank Account, which is my rent money and first of the bill money. I drove 2 minutes back home and smoked a cigarette with my wife and we went to sleep. I woke up at XXXX to get and go to the XXXX XXXX and on my way there I stopped at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX Which my US Bank Debit Card was denied at the gas pump and inside at the register. So I used my XXXX XXXX XXXX  XXXX XXXX and drove to the XXXX XXXX XXXX XXXX for work ( XXXX XXXX XXXX XXXX XXXX ) I then logged in to my US Bank app and noticed that there were these unauthorized charges and that US Bank had deactivated my Debit card due to suspicious activity. ( Anytime I make a purchase I get a banner from the bank that i made a purchase, the amount and the location I did not receive these notifications on my phone for these three transactions that alerted the fraud department to lock the account. ) I then called US Bank phone number and it sent me directly to the fraud department. The three unauthorized purchases were XXXX XXXX XXXX XXXX transactions and XXXX at a XXXX XXXX don't even shop at XXXX or buy their gas. I opened a fraud claim with US Bank. These unauthorized transactions were taken place at XXXX, XXXX, and XXXX while I was sleeping. I have spoken to US Bank Fraud Department four times regarding this matter and they have denied the 2 transactions at the XXXX XXXX XXXX ( {$1000.00} and {$840.00} ) and finally after their weeks of investigation tell me to file a police report. This is the first time this has happened on this big of scale. I believe that one of the workers at the XXXX at XXXX XXXX is the thief and where my information was stolen. That was my last place I made a purchase. ( Since then my wife and I do not shop at this XXXX. US Bank Dispute # XXXX
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

I have excellent credit and a very lengthy credit history. I have had a relationship with Chase for well over a decade and I have three credit cards with them all have always been in good standing. Earlier this year ( around XXXX ) I legally changed both my first and last name. I quickly updated this with Chase and showed them my court order and new ID. Yesterday I opened a chase total checking account. Today they closed the new account and closed all of my credit card accounts. They are saying the only way i MIGHT be able to deal with it ( might as in that might not even work ) is to go into a physical branch. I am in XXXX Va and the closest branch is in XXXX VA ( XXXX XXXX  away ). I don't know if my name change is why they closed the accounts. They will not tell me why or even if driving for XXXX hours is going to fix it or not.
Consumer complaint received 2024-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (IN)

In the CFPB complaint XXXX, the company did not respond to the issues addressed in that complaint regarding illegal XXXX of federal XXXX income prohibited under 42 U.S.C. 4507 ( a ) and are still illegally garnishing federally XXXX and exempt income, no of that was addressed in the companys response and what the complaint XXXX was directly pertaining to
Consumer complaint received 2024-07-11
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. (TX)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IN)

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Financial Institution : Chase Bank JP Morgan XXXX XXXX XXXX XXXX, OH XXXX Account Information : Chase Business Complete Checking Account Account Number : XXXX Amount in Dispute : {$170.00} Date of Charge-Off : XX/XX/year> Complaint Details : I am submitting this formal complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding a recent and unauthorized charge-off of {$170.00} on my Chase Business Complete Checking account with Chase JP Morgan . This charge-off was applied to my account on XX/XX/year>, as reflected in the attached statement. 

This charge-off is erroneous and stems from suspicious activity that I believe is the result of either an internal error or fraudulent actions. I am not liable for this charge-off and have not authorized any transactions or actions that would warrant such a charge. As a result, Chase JP Morgan can not hold me accountable or liable for this charge-off. Additionally, this is a legitimate claim and complaint that Chase JP Morgan can not deny. 

Relief Sought : I am seeking immediate restitution for the amount of {$170.00}, which was improperly charged off from my business account. I request that the CFPB : 1. Initiate an investigation into Chase JP Morgans handling of this charge-off and their internal controls to prevent such errors.

2. Ensure that Chase JP Morgan issues a full refund of the charged-off amount via check to my provided address.

3. Hold Chase JP Morgan accountable for any violations of financial and consumer protection laws, including but not limited to the regulations enforced by the FDIC, Federal Trade Commission ( FTC ), Office of the Comptroller of the Currency ( OCC ), and any other relevant authorities.

4. Require Chase JP Morgan to correct any reporting of this charge-off to credit agencies to prevent damage to my credit score.

5. Ensure that Chase JP Morgan acknowledges and accepts that this claim is valid and can not be denied or dismissed. 

This charge-off has negatively impacted my business, and I expect swift action to remedy this situation. Please ensure that Chase JP Morgan complies fully with all applicable financial regulations and consumer protection laws.

Supporting Documentation : Copy of the Account Statement showing the charge-off I trust that the CFPB will handle this matter with the urgency and thoroughness it requires. I look forward to receiving confirmation of the complaint and updates on the resolution process. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX
Consumer complaint received 2024-08-12
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: Synovus Bank (AR)

I applied for the XXXX  credit card was approved but after they took money and sent me the card they wanted more money and they did XXXX  hard credit pulls when a soft pull was what should have happened. Expecally for the secured card I applied for
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

To Whom It May Concern, I am filing a formal complaint against ProCollect regarding a debt that appears on my credit report. The details of the account in question are : Account Number : XXXX Amount : {$300.00} Date Opened : XX/XX/2021 I have never conducted business with ProCollect and have not authorized any transactions or access to my Social Security number. I have attempted to resolve this matter directly with ProCollect, informing them multiple times that this is a case of identity theft and fraud. Despite these notifications, ProCollect has not responded or provided any validation of the debt. 

My complaint is based on the following Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) provisions : 15 U.S.C. 1692g : This section requires debt collectors to provide validation of the debt upon request. I have requested this validation from ProCollect, but they have failed to provide the necessary documentation. 
15 U.S.C. 1692g ( b ) : This section stipulates that debt collection activities must cease until the debt is validated. ProCollect has continued to report this account despite my dispute and request for validation. 
15 U.S.C. 1692e : This section prohibits false or misleading representations in connection with debt collection. The presence of this account on my credit report is misleading and likely fraudulent. 
15 U.S.C. 1681i : This section requires that inaccurate information be investigated and corrected or deleted from a credit report. Given that this debt is not valid and is based on identity theft, I request the removal of this negative entry from my credit report. 
15 U.S.C. 1681b : This section governs the permissible purposes for accessing credit reports. ProCollect has accessed my credit report without valid authorization. 
Given these concerns, I request that the CFPB investigate this matter thoroughly and ensure that : All negative items related to this account are removed from my credit report. 

Under 15 U.S.C. 1692g ( b ), I am entitled to a response and validation of the debt before any collection activities are pursued. Additionally, under 15 U.S.C. 1681i, I request the removal of any negative entries associated with this account from my credit report, as they are based on potentially fraudulent information and have not been validated. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hello ; I have been attempting to catch up on past due payments for my mortgage, however my mortgage refuses my payments and returns them to my bank. I either need to pay the full amount past due or I 'm at risk of foreclosure. I was XXXX for 2 months and out of work, I notified them of that. I sent them one full payment last week and it was returned. I have attempted to pay online via their website, and have contacted my Dedicated Loan Specialist to discuss the problem. I simply want to pay additional until caught up and do not want my home foreclosed. I faced a temporary issue that is now resolved.
Consumer complaint received 2024-07-25
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. (GA)

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

XXXX XXXX XXXXXX/XX/year> {$430.00} By the provisions of the Fair Credit Reporting Act, I demand that this items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2024-07-11
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. (TX)

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing you to inform you that I reviewed my consumer report and found that there was inquiries of unauthorized usage on my report. 

IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

As a result of this fraudulent activity i have suffered mental distress, anxiety, emotional distress, and I am demanding a payment of {$1000.00} to settle this matter.

IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX XXXX  was 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 in those account 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. 


XXXX 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX, XXXX : XXXX, Dob : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, and false information consists of a personal addresses listed on my account that I never lived at : XXXX XXXX XXXX XXXX, NC XXXX. XXXX XXXX XXXX XXXX, NC XXXX. 
These addresses have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned addresses appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer addresses, credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I lost money in scam. I hired forensic company and they found money at Coinbase account. Scammer is holding my money at Coinbase account. Coinbase doesn't want to refund me the money although I provided them all the evidence that this is my money. Please reach out to Coinbase and have them refund the money. 
Thank you, XXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX sent a letter to me informing me of this XXXX XXXX open and Acct XX/XX/2021 for amount of XXXX which is false i did not they stated afte conducting a through investigation into this matter we concluded that someone did obtain a loan with our company using XXXX XXXX personal information 's
Consumer complaint received 2024-07-23
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. (GA)

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

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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.