davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (CO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (AZ)

when I was in XXXX in XX/XX/year> someone opened a XXXXXXXX  account in my name. I have twice had this placed in collections and twice had it removed. I have filed a police report and reported it to XXXX. They have it confirmed as a fraudulent account but it has once again been placed in collections against he FDCPA. 

I want this permanently removed from my reports and I want compensation for the illegal placement from both XXXX  and from the new collection agency Transworld. This is messing my life up and right in the middle of getting ready to buy a house.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue. 

____________________________________________________________________________________________
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO. (VA)

I applied for mortgage with Chase on or about XX/XX/year>. It immediately took {$500.00} deposit which would be applied when loan is approved. They failed to do due diligence until the deadline passed. Then they asked for bank statements with explanation -- which should have been done in XXXX. They were infinitely delaying it. So, I canceled and with another lender, which swiftly closed the deal and was able to buy the house. 
I want {$500.00} refund.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BOK FINANCIAL CORP (OK)

I informed the teller that I needed her to check to see if that was a fraudulent check. I formed me that she had to deposit it first. And the check needed 4 business days to go through. I called verified if the check cleared several times even when it looked like it went through and after I sent money to a person I was found out I was scared and the check was fraudulent. Came back as fraudulent check now the manager will said o owe the bank money. Of XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kashable LLC (GA)

My credit is being used and is providing inaccurate information in regards to my past debts which is really causing a major strain on my finances and livelihood. I can not get approved for anything and when I do get approved I have to pay an outstanding amount.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc (MD)

On XX/XX/year> XXXX XXXX and I decided to end my lease without penalty or fees. After moving out the agency sent two letters with two different amounts charging me for items I had given back to the property management or complained of decision we agreed on in XXXX XXXX XXXX. XXXX XXXX have charged me for items I requested to be fixed such as mold, leaking water, etc. I have spoken with lawyers in which informed me to wait until they send me to court. After requesting for several months for my move out letter, I spoken with XXXX XXXX on XX/XX/year> whom informed me on voice recording that there was a mistake. When residing at XXXX XXXX, the company has sent me to court several times after being told by local Human Resources to stop because I was covered under the Covid Memorandum for extended rental assistance. My rights has been violated several times. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. They have placed my children and I in rough position when searching for further housing. I am currently facing an economic hardship because of this company deception. I have no acknowledgement of the amount reported on my credit. The company has harassed me and sold an inaccurate debt to Hunter Warfield,. I have been written and verbally informed that I do not owe.
Consumer complaint received 2024-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (CA)

XXXXSubject : Dispute of Fraudulent collection Account Capio Partners Capio partners, XXXX XXXX XXXX XXXX and XXXX XXXX I am writing to formally dispute the inaccurate and fraudulent information that appears on my credit report under the account name " Capio Partners '' ( Account Number : XXXX ). This account, which is listed as a collection account with a balance of {$1200.00}, is not mine and was opened fraudulently. 

XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) : ** - Under the FCRA, Section 605B ( 15 U.S. Code 1681c2 ), consumers have the right to block information resulting from identity theft from appearing on their credit reports. As this account is fraudulent, I request that it be blocked from my credit report immediately. 

- Additionally, under FCRA Section 611 ( 15 U.S. Code 1681i ), I am requesting a reinvestigation of this account. The credit reporting agency is required to complete the reinvestigation within 30 days of receiving my dispute. 

XXXX. California State Laws : ** - Under the California Consumer Privacy Act ( CCPA ), I am entitled to request the deletion of personal information collected by a business that is not accurate. Since this account was fraudulently opened, I am requesting that all associated personal information be deleted from your records and not shared with third parties. 

- Furthermore, per the California Civil Code Section 1785.16 ( Californias Credit Reporting Agencies Act ), I have the right to request a reinvestigation of inaccurate or incomplete information on my credit report. The credit reporting agency must respond to this request within 30 business days. 


Please consider this letter my formal complaint and dispute, and I expect a response within the legally mandated timeframe. Enclosed are copies of my identification and any other documentation to support my dispute ( e.g., police report, FTC Identity Theft Report ). 

Thank you for your prompt attention to this matter. If this issue is not resolved to my satisfaction, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Department XXXX XXXX XXXX, and potentially pursuing legal action.
Consumer complaint received 2024-08-12
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-12
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADIR INTERNATIONAL LLC (CA)

In recent months, on my credit report, the account LA CURACAO ( XXXX ) has been reported consistently on only one credit bureau ( XXXX ), which violates my rights as a consumer by not maintaining a consistent report across all three bureaus. Through this complaint, I request that this account be removed from my credit report. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-02
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/XXXX i purchased a refrigerator and stove from appliance connection with a 12 month XXXX interest option. I was told make 12 payments and I did. The last payment was made according to the last bill XX/XX/XXXX. They in turn said I was 10 days late and billed me approx {$1000.00} in interest. The product was not recieved till the end of XX/XX/XXXX. I am currently being sued in civil court for approx {$1500.00} which includes late fees and more interest.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I had a car loan with credit acceptance 6 years ago.I was involved in a car accident and the car was totaled.My gap insurance paid for the car and my loan was paid off.I was given a voluntary repossession remark on my credit report and this has been negatively impacting my credit for 6 years.i ask that this remark be removed.I spoke to credit acceptance multiple times on the phone and they confirmed that the loan was paid off and that the car was deemed abandoned and sold at auction to pay off the remaining balance.They gave me a copy of the loan payments paid off to help me get this removed from my credit report.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I recently tried to open a checking account at XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ) twice and at Capital One Bank ( XX/XX/XXXX ) once, but both banks denied my application. During my first time at XXXX XXXX  on XX/XX/XXXX, the banker returned me a printed letter explaining that they couldn't approve my application due to negative records shown in my XXXX XXXX XXXX consumer report. As a result, I ordered a free copy of my consumer report from XXXX XXXX XXXX on XX/XX/XXXX. Basically, this negative record was about the " Closed for Cause/Purge '' status of my previous XXXX XXXX XXXXXXXX checking account because I didn't follow their bank policies. After sending all my supporting documents ( also attached below ) to dispute with both XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Department and proving that what actually happened to me was a check scam, I'm pretty sure this negative record has now been removed from my consumer report. Then, I tried to open a checking account at XXXX XXXX  for the second time on XX/XX/XXXX, but the banker there denied my application again without clarifying the specific reason. I further tried to open a checking account at Capital One Bank online on XX/XX/XXXX, but I was rejected again. This time, they sent me an email clearly explaining why my online application was not approved, which is because of a higher-risk XXXX XXXX XXXX XXXX  ( XXXX ) with major impact factors included. However, given that my previous negative record should have been removed, this explanation still doesn't make any sense to me because all my present checking accounts are on a very good track without violating any bank policy. I hope XXXX XXXX  can explain in more detail why they denied my second application. I also wish XXXX XXXX XXXX could explain in more detail why my deposit score is so high, how to lower my deposit score, and when I can apply for a checking account in any of the XXXX banks that own XXXX XXXX XXXX.
Consumer complaint received 2024-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America has violated my Constitutional rights under the 5th and the 14 amendments. No person shall be denied the right of life liberty or property without due process. I attempted to get a property modification for my house at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  times and they never responded. This is a violation of federal law. They have also been investigated under the RECO Act. They have also had many class action suits against them. I'm attempting to get XXXX involved with my case. The people must be made aware of this Banks activities.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

I was called on the phone by a company claiming to be my bank and then transferred to a company claiming to be the Consumer Financial Protection Bureau. XXXX XXXX, XXXX. 
XXXX. They claimed to know my credit card debt and offered a restructuring of my debt for a fee of {$4500.00}. This seemed to be a fraud.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

XXXX Order XXXX - XX/XX/XXXX XXXX Of the amount of {$XXXX} XXXX Order XXXX XXXX  XX/XX/XXXX XXXX of the amount of {$XXXX} XXXX XXXX Order XXXX  XX/XX/XXXX at XXXX of the amount of {$XXXX} XXXX Order XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX of the amount of {$XXXX} XXXX XXXX Order - XX/XX/XXXX XXXX XXXX of the amount of {$XXXX} I have an account with XXXX  and I pay them XXXX but ever since XXXX Ive been paying twice a month on XXXX different cards. Im not sure how but I never used my Chime account for that subscription, I have been charged separately on XXXX different accounts XXXX of them being chime and that is an unauthorized charge. I contacted melaleuca and they were unable to find the account connected to my Chime account. They suggested I contact Chime and dispute the charges so I did just that. I was issued a new card from Chime but I was denied the dispute of the unauthorized charges. I am extremely upset that they were unable to resolve the issue. The images i provided are from my authorized melaleuca account that I pay monthly but those charges are on the right card which is my mastercard ending in XXXX. I was charged completely separately on a different card that is a visa ending in XXXX those transactions are not showing up on my XXXX account and those charges should not be there.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SUNCOAST CREDIT UNION (FL)

Over the course of several weeks, many charges were charged to my XXXX Debit Card that were not mine. My Debit card was canceled and a new one sent to me. I reviewed my statement and disputed several charges. The bank reversed all but five of them. This was the message sent back to me : XX/XX/XXXX Dear Member : We have completed our investigation of the billing error claim on your account number ending in [ XXXX ] for the below listed charge ( s ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We reviewed all available XXXX  dispute rights and determined we are unable to further assist because : [ Transactions are Verified by XXXX  ( An advanced security feature from XXXX  that helps authenticate purchasers as authorized cardholders ) ] Please be advised that you have the right to review the documents used in making this decision. 
Please do not respond directly to this message. If you have any further questions, please contact the XXXX Department at XXXX, extension XXXX. 

Regards, Dispute Department Suncoast Credit Union I contacted my bank at he phone number listed on XX/XX/XXXX and was informed that because the charges were " Verified by XXXX  '' that I would need to reach out to XXXX  directly to file a complaint. 

I contacted XXXX the same day and spoke to an agent ( XXXX ) who then told me that they were unable to help me and to contact my bank again. They gave me the above number ( again ). So immediately after I called my bank again and asked what I need to do to resolve these remaining 5 charges that remained on my account and were fraudulent. After 40 minutes on the phone, the agent informed me that I would need to contact the vendor directly to resolve the charges. I asked them who exactly the vendor was as XXXX XXXX XXXX is rather vague. The agent spent some time researching and came back that they had no idea who the vendor was and suggested that I XXXX the vendor and contact them. I explained that I tried to do this prior to contacting them, however, I wasn't able to get a definitive answer. 

I expressed that I was surprised that the bank couldn't provide me exactly WHO the merchant is. At this point, I am not able to contact anyone to resolve my issue and I am not able to recover my funds. The bank is not able to assist me in who to contact.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Our bank account with Truist bank has been hacked. In the past few months Truist reimbursed us a check for {$3000.00} that the hacker XXXX XXXX Truist paid to the hacker {$7000.00} through a credit card to XXXX XXXX XXXX, then they reimbursed us., Truist bank paid the hacker {$15000.00} and {$1200.00} ( a stolen check ). 
They do not want to refund us this money. Truist bank can not pick and choose what hacking they want to refund..All this is on a business bank account under the name of XXXX XXXX XXXX XXXXXXXX. This is a lot of money for us and we can not afford to loose it..We are XXXX and XXXX XXXX XXXX and our health has been terribly affected by all this ordeal. 
Please, can you help us? Thanks
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (CA)

I had put in the first step of the Amex platinum application to see what my welcome offer was. I saw the welcome offer and did not like it so I applied using a referral link for a higher welcome offer. I closed the tab with the application for the lower welcome offer. The application for the higher offer was submitted and denied twice. Upon checking the application status it said the application that I did not submit was approved and my card was shipping. It said the reason for the rejection of the higher welcome offer was because I was previously approved for a card. I immediately messaged Amex in a chat and told them I did not submit that application and to not ship the card. I then got an email saying my card would be shipping while they were telling me there was no approved application. I reopened the chat and they tried to convince me to keep the card and I demanded they cancel it. They said it was cancelled. The next day I got an email saying my card was shipped and arriving the next day. I called Amex immediately upon receipt and the first representative transferred me back into the greeting system. The second representative transferred me to the fraud department who promised to close the card and then transferred me to the application team with no context. The application team agent was very rude and transferred me back to the fraud department. I do not trust this company and the customer service takes 2-3 hours on the phone to resolve an issue of fraud by Amex opening accounts without customer authorization.