davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

On XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/XXXX asking them to investigate these accounts XXXX XXXX XXXX' and information I sent i certified mail, XX/XX/XXXX they sent me their investigation and said those accounts are verified and accurate. And according to 15 USC 1681i ( 5 ) | see it states after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or Incomplete or can not de verified. The credit bureaus did not re-investigate and violated my right.
Consumer complaint received 2024-07-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (NJ)

In XXXX I went into a wells Fargo branch in XXXX, XXXX inquiring about a loan. At the time I knew very little about the way a loan works. The banker took advantage of my ignorance and gave me a {$5000.00} student loan as I was a student at the time. For years I made the minimum payment as it was low and never reviewed the loan in its entirety. The loan was transferred to XXXX XXXX XXXX in XXXX. XXXX claims my interest rate is XXXX % yet on my last payement they applied {$6.00} to the principal when the total payment was {$77.00}. They charged {$70.00} of interest. I have made on time monthly payments with both creditors for the duration of opening the loan until now which has now been over XXXX years. As of today the principal balance is {$4400.00}. Something has gone terribly wrong and I need help investigating this issue.
Consumer complaint received 2024-06-24
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. (KS)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Backstory : On XX/XX/year>, everything inside my wallet was stolen including my credit card, debit cards, health insurance card, cash, and permit ID. I did not realize this until I got a Chase Fraud alert text on my mobile phone at XXXX stating the following " We declined {$1000.00} with card ending XXXX at XXXX XXXX XXXX Was this you? '' I texted back no and chase fraud immediately closed my card and issued a new one. I immediately got worried and checked my bag then I realized everything inside my wallet was stolen. The moment I got back home I called the police and filed a police report, gave them all the details pertaining to the stolen things inside my wallet. They have all the documents and screenshots of the bank statements that I provided them with and said they will investigate with the XXXX XXXX  since it most likely happened at my work place near XXXX and XXXX XXXX XXXX. 
The following morning, I called Chase and my other banks ( they resolved the problem already, only Chase problem right now ), to make a fraud claim and saying what happened, the charges that were not authorized by me and used by someone else. Chase immediately reverse the charges that I claimed was not done by me. I thought everything was good now and peace of mind. Until XXXX weeks later today on XX/XX/year> I got XXXX mails in my home mailbox from Chase saying they have researched the transactions I reported and was processed or was authorized according to their research team and customer claim department. I am very worried on why this is and how they investigated because the charges were literally not done by me, I made a police report and contacted the detectives several times to try to get this case solved. A camera footage check on those charged places can prove my innocence as well, I went to the store that the card was used by the person who stole my debit cards and they did not allow me to view the survelliance camera and required a police to do so. The fraud charges on Chase side amounts to over {$1000.00} and I really did not make the purchases, it was done by someone else. I am crying and really worried about this problem and need the CFPB to help me investigate further along with Chase to get my money back. It was already reversed but the mail said they will deduct the amount that was reversed on or after XX/XX/year>. I figured CFPB will help me solve this so I contacted as soon as possible. Thank you so much and greatly appreciate the help.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (WA)

To Whom It May Concern, I am writing to file a formal complaint against Marcus by Goldman Sachs regarding the ongoing issue I am facing with accessing my savings account. I opened a savings account with Marcus by Goldman Sachs, but unfortunately, I have been locked out of accessing my account. Despite numerous attempts to resolve this matter directly with Marcus by Goldman Sachs, I have encountered significant hurdles.

Here is a summary of the issue : Access Issue : I have been unable to access my savings
account due to a purported inability by Marcus by Goldman Sachs to verify my identity. Despite providing all requested information and undergoing several verification attempts, I continue to be denied access to my account. 

Communication Attempts : I have called Marcus by Goldman Sachs customer service on four separate occasions and spent hours providing them with all necessary information and answering their identity verification questions. However, I have received no satisfactory resolution to this issue.

Affidavit Submission : In an effort to resolve the matter, I followed Marcus by Goldman Sachs ' instructions and submitted a notarized affidavit verifying my identity. I sent the affidavit on XXXX of this month, and despite this submission, I have not received any further communication or resolution from Marcus by Goldman Sachs.

Physical Branch Visit : I visited Marcus by Goldman Sachs ' XXXX XXXX location seeking assistance, but I was directed to contact their customer service number, which I have already done multiple times without success. 

Concerns : I am deeply concerned that Marcus by Goldman Sachs is withholding access to my savings account funds without valid reason. This situation has left me feeling powerless and anxious about the security of my hard-earned money.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate a prompt resolution. I believe Marcus by Goldman Sachs ' actions are unfair and unacceptable, and I am seeking assistance in accessing my savings account funds without further delay.

Please feel free to contact me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or clarification regarding this complaint.

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX reporting old private student loan information to the XXXX major bureaus : XXXX, Experian, and XXXX. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All XXXX bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the XXXX major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (OH)

On XXXX i had been searching for auto insurance through different websites and i had gotten quotes that were higher than i already was paying.I also got a notice that a company would not insure me based on my credit info from XXXX then went on their website and requested a copy of the info they have.The system they have would not give me any info and stated that i had given insufficient proof of my identity.They then sent me a letter stating the same thing.I gave them the following Full name, current address, with zip, current phone number with area code, full social security number, full dob copy of dl.They also say in their letter i can furnish 12 additional items of proof but i was not required to do so.So i want to know how am i supposed to prove to them my identity without furnishing additional documents that they say i dont have to furnish.I again want to reiterate no private companies should be allowed to gather citizens personal info for any reason especially to make money.Some day people will wake up but to the person reading this letter they have YOURS ALSO!!!!!!!!!! Should my info be kept as private as possible of course but remember they just supplied my info to a company with the same information they are telling me isnt good enough.You asked have i been in touch they are great at being too busy to receive phone calls.Thats why they have a dedicated consumer line so they can not answer it.I bet the sales line isnt busy!!!
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On the evening of XX/XX/XXXX at XXXXXXXX XXXX Central Time, I went to the Chase ATM located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, with {$4000.00} to deposit. The ATM, Term ID : XXXX, took my {$4000.00} without depositing it into my checking account and did not provide any receipt. I immediately called the number displayed on the ATM, XXXX, to request a receipt or resolve my issue. I was told at that moment that no receipt was necessary and that I should call the next day to file a claim. To prevent my money from being stuck in the ATM 's dispensing slot and possibly taken by someone else, I immediately withdrew {$100.00} from my checking account to ensure no money was stuck. After filing a claim the next day, Chase did not return the money to my checking account as promised and instead told me to continue waiting.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

There is a public record on my XXXX, XXXX and Equifax credit reports along with other credit reporting services. When I try to dispute the public record which shows a bankruptcy, I am told they are getting the information from XXXX XXXX. I requested that XXXX XXXX, XXXX, XXXX and Equifax validate this debt and none responded to my letter. XXXX certfied mail # XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year>
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

This concerns an unauthorized charge to my card for {$1300.00} on XX/XX/XXXX by XXXX XXXX XXXX. 

Because I believe this is theft, Id previously reported this to the " fraud team '' and they concluded this was a dispute because I had other business with the merchant. 

I want to be clear : this was an unauthorized charge. 

The merchant used my card details to charge {$1300.00} without my approval, consent or knowledge. 

I never signed anything and, of course, I never agreed to this charge. 

Since I never signed anything there is no documentation. Unless the merchant forged my name or created something after the fact, there is nothing to show I authorized this charge beforehand.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXXl 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 me 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. 


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 2024-07-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

From XXXX XXXX - XXXX XX/XX/year>, our minor child made {$350.00} worth of charges on his XXXX XXXX on two games. 
We immediately disputed these charges thru our bank ( Chase ) as he is not authorized to spend this type of money anywhere. 
Last week, XXXX told Chase these charges were valid and rejected the disputes. 
I called XXXX today and gave them all the email addresses associated with my sons XXXX account and they somehow couldnt find any of the email addresses associated with his account. 

My husband and I have spent hours attempting to collect the monies XXXX has taken from our son.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

im freaked out. im trying to get an XXXX  and cant because of this account thats not mine!! 

i took a look at my credit report and saw XXXX XXXX XXXX their account number is XXXX and opened on XXXX please delete this account so i can move. ITS NOT MINE!!! UGH
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MS)

XXXX XXXX XXXX XXXX is inaccurately reporting multiple delinquencies to my credit report. Attached is payment that was accepted by the IRS on XX/XX/XXXX and mailed to the address of Comenity Capital Bank on XX/XX/XXXX. Comenity Capital Bank has since repeatedly reported deliquencies and added several additional charges to my account.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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: CL Holdings LLC (AR)

Jefferson Capitol System {$12000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the Gramm-Leach- Bliley Act. Violations of the Gramm-Leach-Bliley Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, XXXX, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the Gramm-Leach-Bliley Act 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.