davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX I contacted XXXX to ask for an XXXX XXXX XXXX, and it was approved. I received a letter that stated that it would take some time to show on my XXXX account, but that my qualifying loans would be {$33.00} starting at the end of XXXX. I tried multiple times to contact XXXX because I did not see it on my account online. Not only that, but I contacted them and asked for a forbearance to make sure that my account would not go past due. XXXX did not apply the forbearance on my account, and then they reported 90 days past due to all three credit bureaus. They reported that I was past due in the amount of {$710.00} which was not true. I have attached the letter that was sent to my online XXXX account. I spoke to XXXX XXXX XX/XX/XXXX after receiving notifications that my XXXX XXXX had dropped XXXX points due to XXXX adding a XXXX past due to my account. They told me that they would apply the forbearance and that they would dispute my account to the credit bureaus, but I never received confirmation. I was on the phone for over XXXX hours. They have ruined my XXXX XXXX and I need it fixed. I was in the process of a loan, and now I am not able to. 
I need this fixed. I did everything on my part and they did not! Not only that, but I contacted XXXX by email, chat, and phone calls, and nothing! I have been on hold for hours just to get hung up on. My credit score dropped thanks to them and I need it fixed. They ruined it and I have been super upset.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-10-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (AZ)

I found a debt collection on my credit report that I have never been contacted about. I have no knowledge of any debt, and do not use XXXX XXXX XXXX. This company has never verified the debt, and clearly does not even know who I actually am if they do not have the means to properly contact me at all.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (TX)

United Auto Credit And XXXX XXXX XXXX I Have sent them a letter XX/XX/year>, and XXXX of XXXX  About showing proof of me authorizing payments with them. Still have not received a response.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (DC)

I submitted complaint to AMEX through CFPB ( case number XXXX ). American Express denies attempting to solicit a payment through assurances of card reinstatement. I would like AMEX to reopen my account as I was assured on the phone of this resolution ( over XXXX was paid to the account as I promised ). 

I, the consumer, honored my word to pay. Amex ( a reputable company ) should do the same ; especially when dealing with XXXX XXXX service members who risk their lives to ensure these companies can even exist.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC (VA)

Good Morning Hope all is well name is XXXX XXXX XXXX Sunrise credit Group LLC place a debt of {$1500.00} in collections on my credit report. I called them and ask them could they send me the True bill or a state they did not have that information and i refuse to give them my social security number. This goes back to 15 USC 1692e ( 4 ) Thank you so much.
Consumer complaint received 2024-10-15
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: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX Date : XX/XX/year> JPMorgan Chase Bank Customer Service Department XXXX XXXX XXXX XXXX, DE XXXX Subject : Formal Complaint and Request for Removal of Incorrect Charge-Off Reporting Account Number : XXXX Amount Charged Off : {$24000.00} To Whom It May Concern, I am writing to formally dispute the charge-off reporting on my credit report related to my JPMorgan Chase credit card account with account number XXXX. The amount charged off was {$24000.00}, and it is still being reported to the credit bureaus despite being improperly handled. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines. 

Per my understanding, JPMorgan Chase charged off this account and may have sold or transferred it to a third-party collection agency, meaning Chase no longer has a right to continue reporting this debt as a charge-off on my credit report. Reporting an account that no longer belongs to your institution is inaccurate and unfairly impacts my creditworthiness.

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. Inaccuracies or outdated information must be removed or corrected. In this case, continuing to report this charge-off is both incorrect and misleading. 

I kindly request that you take the following actions : Immediately delete the charge-off information for the above account from all major credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 

Provide me with written confirmation that this inaccurate reporting has been removed. 
Failure to address this matter in a timely and accurate manner may result in further action, including filing a formal complaint with the CFPB and seeking legal assistance to ensure my rights are protected under the FCRA. 

I appreciate your prompt attention to this matter and expect a resolution within 30 days. I have enclosed a copy of my credit report showing the incorrect charge-off for your reference. 

Please contact me at XXXX or XXXX to confirm receipt of this complaint and provide an update on the resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX FL, XXXX XX/XX/year> Aldous & Associates XXXX XXXX XXXX XXXX, Utah XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt referenced ALDOUS, XXXX XXXX ], {$220.00}, currently being pursued by your agency. Upon review of your communications and actions regarding this debt, it has become apparent that you are in violation of several federal regulations, namely 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or misleading representations, including the false representation of the character, amount, or legal status of any debt. Your agency has failed to provide adequate documentation validating the debt in question, despite my previous requests for verification. This lack of verification raises serious concerns about the accuracy and validity of your claims.

Furthermore, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) mandates that debt collectors must provide consumers with a validation notice containing specific information about the debt within five days of their initial communication. To date, I have not received any such validation notice from your agency, thereby violating this regulation.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to cease collection activities until they have provided consumers with verification of the debt upon request. Despite my repeated requests for verification, your agency has continued its collection efforts without providing any substantiation of the debt 's validity.

Finally, under 15 USC 1681-S2 ( 7 ) ( A ), debt collectors are prohibited from using unfair or unconscionable means to collect or attempt to collect any debt. Your persistent attempts to collect on an unverified debt, coupled with your failure to comply with federal regulations regarding debt validation, constitute unfair and unconscionable practices. 

In light of these violations, I demand that you immediately cease all collection activities related to the aforementioned debt and remove any negative reporting from my credit file until such time as you can provide valid verification of the debt in accordance with federal law. 

Furthermore, I expect your agency to provide written confirmation that all collection efforts have ceased and that the debt will no longer be pursued until proper validation is provided. Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the law. 

Please consider this letter as formal notice of my dispute and request for validation of the debt. I expect a prompt and appropriate response within 30 days from the date of this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/XXXX and XXXX of 2024 XXXX transactions for XXXX XXXX were made using my debit card. I waited for the XXXX transactions to no longer be pending and e-filed a dispute. It came back as no error made. So I called them and the filed a rebuttal and once again it came back as no error made. So I called them back and asked them what information they were using to prove that I made these transactions and was told that they came to this decision because no new information was given. So I got a screenshot from my uber eats account showing no transactions from those days and a picture of my time card showing I was at work at the time of XXXX of the transactions. Once again it was responded to with no error made. I just got off the phone with them for the fourth time and asked again why theyre still denying it and was told no new information was provided which it was because I sent them photographs I hadnt sent before.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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, has violated 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 : It also states a consumer reporting agency can not furnish an 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 seven 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.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (NY)

Hi I received two letters in the mail from different banks saying that they were unable to approve my request for a credit card. Someone has stolen my identity because I have not applied to any one of these companies for a credit card. 


XX/XX/2022 2022
Consumer complaint received 2024-10-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Chrysalis Holdings LLC (ID)

I reached out to NewDay USA Mortgage company after seeing advertisements on TV stating that they can help Veterans, even if they have late payments in which the veteran would have a stronger probability of getting approved. 

Upon contact, I started working with a XXXX XXXX, a mortgage loan officer. His contact information is below. XXXX stated that he has helped many people in my situation and felt confident that he can get my loan done. After an application was taken, I had troubles reaching out to XXXX. I then got a call within 4 days stating that the underwriter needed a bit more information. I was able to provide that information, and XXXX and behold, XXXX no longer communicates with me. I felt that I was mislead starting from start to finish ; from commercial to the application process. I would like to work with another loan officer instead of XXXX and I feel that he has done a disservice to me as a veteran of this country. 


XXXX XXXXXXXX Company XXXX XXXX Tel : XXXX Fax : XXXX Cell : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXX XXXX Name of a company representative that you spoke to : XXXX XXXX XXXX 's phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXXXXXX XXXX XXXX Name of a company representative that you spoke to : XXXX XXXX XXXX XXXX 's phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX
Consumer complaint received 2023-11-21
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (NY)

On XX/XX/XXXX I was charged due to an app that my children downloaded onto my phone, the day it was downloaded I deleted the app & went to my subscription tab to make sure they didnt sign up for anything. I noticed a free trial and I cancelled it right away, deleted the app then thought nothing of it until XX/XX/XXXX when I was charged {$96.00}!! I tried cancelling through XXXX right away ( the transaction was still pending on my card ) but they couldnt do anything. So I reinstalled the app to try and see if there was a settings menu and it had NO account information nor anyway for me to get in touch with someone for a refund. I instantly tried calling Way2Go customer service ( which is the company I am reporting about ) ; and I was on hold for over an hour. I then tried contacting XXXX support and they told me I had to go through my actual card company. I then tried calling the customer service number AGAIN and was on the phone for another XXXX minutes. It is now XX/XX/XXXX and I have tried contacting Way2Go XXXX times a day, every day, sense this charge was made. Each time I am instructed to put my card number in & it would tell me we have an important message regarding your account please wait well we direct you to a representative ; & then its just me being put on hold for XXXX ( minimum ) up to AN HOUR AND A HALF, for FOUR DAYS STRAIGHT. Without ever getting an option to speak to anyone. It just redirects me then Im on hold forever. Also, the charge didnt actually post to my account until XX/XX/XXXX, it was still pending for XXXX hours. ( I called at least 4 times to both XXXX & Way2Go in the time it was still listed as pending )
Consumer complaint received 2023-11-21
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
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: PREFERRED CREDIT INC (MS)

I am writing regarding the ongoing inaccuracies related to the account in question, which has been disputed multiple times with all three credit bureaus ( XXXX, XXXX, and XXXX ), as well as with Preferred Credit. Despite my previous efforts, this account continues to be inaccurately reported across all platforms. 

My most recent dispute, under Confirmation Number XXXX, was submitted on XX/XX/year>. The investigation was marked as completed on XX/XX/year>. According to the results, the account information was " Modified, '' which inherently suggests that changes were made. This leads to a significant question : How can the information be simultaneously " verified as accurate '' while also being " modified ''? The XXXX are logically inconsistent. 

Additionally, the account information reported by Preferred Credit does not align with the data provided by XXXX and XXXX, even though Preferred Credit is responsible for reporting directly to these credit bureaus. This ongoing inconsistency demonstrates a clear failure in the credit reporting process. 

I have attached Preferred Credits initial response to my first complaint, in which they claimed the information was accurate and verified. Yet, when I submitted further disputes with the credit bureaus, the information was once again modified without any resolution of the inaccuracies. This continued failure to provide accurate reporting highlights willful negligence on the part of Preferred Credit and the credit bureaus ( XXXX, XXXX, and XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information, including Preferred Credit, are required to provide accurate information to the credit bureaus. The ongoing misreporting and failure to correct the record after multiple disputes violates these statutory obligations. Additionally, I believe I am entitled to damages for each month this account has been inaccurately reported, as well as for each violation committed by the credit bureaus and Preferred Credit.

In light of the continuous inaccuracies over the past few years, I am prepared to settle this matter for {$5000.00}, an amount I consider to be a fair and reasonable remedy given the harm caused. This includes the removal of the inaccurate account from all three of my credit reports. If this resolution is not achieved, I am fully prepared to proceed with legal action, as my consumer law attorney is ready to take the necessary steps to seek the full remedies afforded to me under the FCRA until a satisfactory resolution is reached. 

I expect to hear from you promptly regarding this matter.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

I am writing to formally submit a complaint against Comenity Bank regarding the XXXX XXXX XXXX Credit Card. My complaint pertains to late fees that were assessed on my account after I had paid off the card balance, based on misleading information provided to me by a customer service representative. 

On XX/XX/year>, I contacted Comenity Bank to inquire about my account balance and the process for paying off my credit card. During this call, the representative advised me that I could pay my balance in full to avoid any further charges and to completely satisfy the account. However, I was not informed that interest would continue to accrue until the end of the billing cycle, which ultimately resulted in a late fee being assessed on my account. 

I believe that the information provided to me was incorrect and misleading, as it did not account for the interest that would accrue after my payment. As a result, I was left unaware of the potential for additional charges, leading to the late fee being applied to my account. 

I have made every effort to resolve this issue directly with Comenity Bank, including providing detailed call log information and formally requesting an investigation into the matter. However, my concerns have not been adequately addressed. Furthermore, it appears that this issue is not isolated, as evidenced by numerous complaints against the provider on platforms such as the XXXX XXXX XXXX XXXX XXXX ) and the Consumer Financial Protection Bureau ( CFPB ). Therefore, I am requesting that the CFPB investigate this matter and assist in resolving the unfair late fees that were assessed due to the misinformation provided by the bank 's representative. 

Thank you for your attention to this matter. I look forward to your prompt response.