davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), your reporting agency may be liable for false reporting.While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have XXXX days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-10-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I previously submitted a CFPB complaint ( ID : XXXX ) regarding the inconsistent balance between the original creditor and your collection agency. I also provided proof suggesting potential fraud due to my compromised personal information. Your response stated that you have not yet received documentation from the original creditor and would review it once received. However, it is not my responsibility to have an unverified account listed on my credit report due to your company 's delays. 

Additionally, I have identified new reporting errors. Your company is reporting payment history for this collection account, which is not permitted under the law. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove account XXXX from my credit report.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MS)

My phone was stolen XX/XX/XXXX and through XXXX & XXXX my account was drained - about {$1300.00} in fraudulent charges. 

On Monday XX/XX/XXXX I purchased a new phone and contacted Chase to dispute the transactions, and today XX/XX/XXXX I called them as Id not received any phone calls or emails regarding the situation. 

They returned my XXXX transactions and then told me the XXXX transactions were not recoverable, then told me that facial recognition was used to send the funds. 

There were zero flags during this process, about a 2 hour time frame in which my checking account was emptied in a city that I had never visited before ( XXXX XXXX ) and theyre unable to tell me how facial recognition was used without me being present. 

There should be more safeguards in place in the digital world we live in ; banks are horrible at managing consumer data and face zero accountability by putting handcuffed customer service reps on the front lines who have essentially no authority to escalate issues like these appropriately, I.e., there may be a massive flaw in the facial recognition being used on Chases mobile app.
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXXXXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2024-11-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lien Receivables LLC (CA)

This debt collector called my 8 times in a row at XXXX tonight while I was in a class. He then proceeded to yell at me and call me a ridiculous person and a liar when I told him I can not take a call I am in a class. He has also called my mother and my father in law to get them to pay my debt and told them what it was for and how much it was for. He will also text me and threaten law suits. He harasses me multiple times a month. This debt is also not mine and is XXXX XXXX XXXX and we are trying to work thru it.
Consumer complaint received 2024-10-03
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. (MS)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CT)

Chase XXXX  Sapphire Preferred Credit Card and Card Benefit Services Tel : XXXX opt. XXXX XXXX XXXX XXXX XXXX, VA XXXX Claim # XXXX [ # XXXX ] XX/XX/XXXX booked ( XXXX ) airline tickets through Chase XXXX for departure XX/XX/XXXX XX/XX/XXXX my wife suffered XXXX XXXX had to have XXXX in XXXX XX/XX/XXXX Attempted to cancel tickets but Chase XXXX stated ( verbally ) wait until XXXX and can extend tickets another year. 
XX/XX/XXXX Called Chase XXXX and informed tickets could be extended. Chase contacted airline and cancelled tickets, but airline charge {$900.00} termination fee. 
Chase referred me to Card Holder Services. Claim filed XXXX with card holder services. 
Provided Dr . Note stating my wife could not travel with claim.

Since XX/XX/XXXX have had numerous phone calls with both Chase XXXX and Card Holder Services giving me the run around. 
XX/XX/XXXX Chase XXXX credited my account {$4400.00} and debited {$900.00} this transaction provided XX/XX/XXXX to Card Holder. 
XX/XX/XXXX email received from Card Holder requesting evidence on credit card points being refunded. Credit card statement provided showing point refunded.

I am very frustrated with the continuous run around from both Chase XXXX and Card Holder Services. The {$900.00} claim is still open. Im certain this company will continue to give me the run around indefinitely
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TN)

On my Chase Credit Card Statement : opening/closing dates XXXX I had an Interest Saving Balance of {$720.00} Consequently on XX/XX/year> I scheduled a payment of {$730.00} to be paid on the due date of XX/XX/year>. 

I paid more than the minimum due so that i incurred no finance charges for the month. 

On XX/XX/year> I made a purchase in the amount of {$100.00} I subsequently returned the purchase item and received a return credit from merchant on XX/XX/year>. 

On my Chase Credit Card Statement : opening/closing XXXX XX/XX/year> the purchase on XX/XX/year> of {$100.00} appears on the statement as does the subsequent return credit of {$100.00} that shows being credited to the account on XX/XX/year>. 

All of this is as it should be. 

The problem that occurs is how Chase handles this Return Credit of {$100.00} on XX/XX/year>. 

What Chase explained to me in a couple of phone calls is that they take the refund and apply it to the previous statement. Thats right, they take the return credit and unbeknownst to the consumer they arbitrarily credit the prior months statement.

HOW WOULD ANYONE BE EXPECTED TO EVEN KNOW THIS???

ONCE AGAIN, I HAD SCHEDULED THE PAYMENT ( for the statement opening/closing dated XXXX ) on XX/XX/year>? 

CHASE takes the {$100.00} and pays down a PAY-OVER-TIME balance that has a fixed monthly fee of {$20.00}, irrespective of what the Pay-Over -Time balance is for that month.

In other words, Chase is paying down a balance that will in no way benefit from being paid earlier than required.

Meantime, that {$100.00} charge on XX/XX/year> must be paid as if no refund was ever issued. 

So the Interest Saving Balance for the current months Statement ( Opening/closing date XX/XX/year> - XX/XX/year> ) which should have been {$710.00} becomes {$810.00}.

In a nutshell, Chase is taking a credit and applying it to a promotional Pay-Over-Time balance that does no benefit to the consumer. It only benefits Chase.

Chase then wants the consumer to pay for a purchase made during the statement period as if no refund were issued.

AND IF THE CONSUMER DOESNT PAY THE {$100.00} then they are charged interest, even though the account was credited long before the payment is due.

Its financial slight-of-hand, plain and simple.

Chase is preying on the consumer.

What Chase is doing should be illegalthey are shuffling money around to their own advantage and at the expense of the consumer.

FINE CHASE for their predatory practice.
Consumer complaint received 2024-11-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (MD)

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-03
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. (IL)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights.U.S Department Education - XXXX U.S Department Education - XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX .After reviewing my credit report from all three credit bureau , and noticed some things are incomplete, and not accurate. In Accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report.After investigation the credit bureau state my account was properly investigated, But how is that possible If the date last active is inaccurate, No. of months ( terms ) is inaccurate along with other inaccuracies and inconsistency. This Is ground for removal and also a violation under my rights, 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 : States A Consumer Reporting Agency CAN NOT Furnish A Account Without My Written Instructions
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I paid my full balance of {$140.00} on XX/XX/year> leaving me with a balance due of {$0.00}. On XX/XX/year>, Macys charged me {$2.00} under Purchases, Cash Adv, Fees & Other Debits.
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. (MD)

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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

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

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-10-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I had a credit card through XXXX XXXX XXXX that became part of a debt consolidation program with XXXX XXXX in XXXX. The card was in my name only. In XXXX, we decided to sell my car that was financed through XXXX XXXX XXXX and was a joint loan with my husband so we could avoid any further debt. I sold the car to XXXX and requested a 10-day payoff email with details for the sale from XXXX. Sale was completed on XX/XX/XXXX. I received a small overage payment from XXXX and they were to pay the loan off in 5-7 business days. I noticed the loan still listed in my account 2.5 weeks after the sale and called to inquire on the status. XXXX informed me the check XXXX sent was returned to them because it didnt include the credit card payoff. They told me they hadnt spoken to XXXX XXXX since XXXX but when I had called them, they said they contacted them as recently as XX/XX/XXXX! I was assured by XXXX XXXX they would recontact them to ensure the release of my title. As of today, I am told XXXX is not negotiating in my best interest, my car loan is affecting my credit score and I have XXXX still waiting to receive the title for the car now in their possession.I believe this qualifies as a UDAAP violation. I was not notified of this requirement in the instructions for payoff/title transfer, I was not notified the check had been returned to XXXX and this is an individual account holding a joint account hostage.
Consumer complaint received 2024-09-12
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. (IL)

THERE IS A ERRONEOUS ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. 

EXPERIAN HAS IT LISTED AS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ADDRESS IDENTIFICATION NUMBER : XXXX RESIDENCE TYPE : APARTMENT COMPLEX GEOGRAPHICAL CODE : XXXX I HAVE NEVER LIVED AT THIS ADDRESS. THERE IS A ALSO PUBLIC RECORD ASSOCIATED WITH THIS ADDRESS THAT DOES NOT BELONG TO ME.
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

I made a payment but it pulled from the wrong account somehow ( I have tried to remove this account several times to avoid this from happening, but I'm unable to do so in the portal ) so it was returned. I didn't know this because I never received a notification from the company, so I was unable to rectify the situation before my payment was considered late. Once it was considered late, I was charged with several late fees, and my payment due went from {$30.00} to {$290.00}. I have since paid {$50.00} towards the amount to at least remedy the actual amount that is overdue ( and then some ), but am unable to pay the remainder until I get paid tomorrow, as this multiplied payment was an unanticipated expense. 

Now, I have received 12 phone calls over the course of the last 5 calendar days, only 3 of which ( including today ) are business days. Based on their course of activity thus far, it is likely I will receive a minimum of two more calls this evening. I attempted to answer the most recent two calls ( the previous 10 were sent to voicemail due to my phone being on do not disturb ), but the first call hung up on me and the second call was a recording telling me to call them. Therefore, I was unable to speak with a real person to inform them that they no longer have permission to contact me via telephone. 

They have called me from several numbers, some of which come up as " COMENITY BANK '', others come up as " Unknown Caller. '' The call history is as follows : XXXX. Unknown Caller, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. Unknown Caller, XX/XX/XXXX @ XXXX. 
XXXX. Unknown XXXX @ XXXX. 
XXXX. Unknown XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX AND XXXX 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 XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from sectio

n 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 repo
rts