davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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)

This Collections account has been add to my credit report on the following date ( XX/XX/year> ) Since then the accounts have repeatedly been updated as collections every month. You guys verified & updated account on my consumer report, & in the payment history. A Collection account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX account name, and number XXXX XXXX # XXXX
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paradigm Capital Group (NJ)

i have transfer crypto from my XXXX account to digital wallet for the crypto platform so i can withdraw my money. the amount i transfer was XXXX in few transaction. I already have all the proof of the scammer. the URl was XXXX. After they received my money, they suspended my account and now i try to contact them by email but no response. Please help me recover my money. I did try to talk with XXXX  but they did not help.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I booked my ticket with Chase Credit card travel portal with Trip id XXXX. Unfortunately I had to cancel one passenger ticket out of total 2 passengers. Chase representative informed me that ticket is refundable So I should get my full amount back ( {$720.00} ) deducting charge of {$300.00}. Chase also informed me that how this works is that they will charge me {$300.00} on my credit card and refund back my full amount back {$720.00}. I gave them go ahead. 

But out of my surprise, Chase charged me {$300.00} immediately ( XXXX XXXX ) on my card but even after waiting for 5 business days, I never got my full {$720.00} back.

When again called chase, this time representative told me, it will take " 2 billing cycle ( ie 2 months )!! '' to get my money back. This is totally unfair, due to this now Chase have my {$720.00} stuck with them EVENAFTER charging me {$300.00} to me immediately. 

I need my {$720.00} back hold by chase bank unlawfully PLUS 22 % interest APR because if I didnt pay this amount due on my bill that Chase will charge me 22 % apr.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the XXXX XXXX and i was 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 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 MONTHS REPORTING LATE 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! XXXX5 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 XXXX  days before the payment due date. This company never Sent 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 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (FL)

My ex wife has used my name, social security number and forged several documents, dating back from XXXX to present with your company for loan modifications. I sent you several documents advising I would never sign anything for the loan modification, yet your company did in fact accept the forged documents and modified the loan... now my ex-wife is in forcloser and she is/ has ruined my credit.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TN)

I disputed {$150.00} charge from XXXX because the app had force closed and redirected to book a new flight but they took the money out account and it was pending. 

I call airline to see what happen they can not see anything because it closed so I called Chime to dispute and the decline! You can see I had to purchase another flight right after this flight so clearly It was suppose to be refunded back!
Consumer complaint received 2019-06-24
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (PA)

I was offered a tour-presentation through a time share company for 5-7 days and I had to cancel for another engagement and I had paid for the accommodations to XXXX/XXXX   XXXX and cancelled in XX/XX/2019. My trip was scheduled for XX/XX/XXXX through XXXX about. I called to cancel with XXXX-XXXX  but only XXXX of my charge was refunded. I then called choice visa and asked them about the charge on my card + finance charge stating they reviewed and couldn't help me and the dispute has been resolved. Now I only found out about this because I wanted to see any updates on the dispute online no one called me or added a message on my account or sent me a letter regarding this matter.So I discontinued use of the company ( XXXX VISA ) and requested to close my account.
Consumer complaint received 2024-06-07
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Strategic Financial Solutions, LLC (MI)

On XX/XX/XXXX, We retained Strategic Financial Solutions for the purpose of debt consolidation. We have been paying {$890.00} since XX/XX/XXXX by auto pay from our checking account. Questioned the amount of fees being taken out, by phone, and rep said it was to make sure there were funds set aside for settlements. Did receive an e-mail from XXXX XXXX XXXX in XX/XX/XXXX, stating that funds would no longer been taken from our monthly payments, only after any settlements were made. Were told 4 credit cards were to be settled at the end of XX/XX/XXXX. That did not happen. Called the associate company, XXXX XXXX, and was told settlement had been postponed until XXXX. 
Finally received an Email from XXXX XXXX XXXX in XX/XX/XXXX, stating there was suit filed against SFS ; but that business would continue. Tried to reach XXXX  and XXXX  several times before finally reaching someone at XXXX on XX/XX/XXXX. Was finally told nothing could be done until court has ruled. Canceled our agreement and will be refunded money in our account. However, were told we needed to file complaint against SFS, and request refund of {$4100.00} for fees taken from us, after court has made it's decision.
Consumer complaint received 2024-08-28
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. (MA)

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : FHA Mortgage Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : 1 ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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: GOLDMAN SACHS BANK USA (FL)

You closed my previous complaint against Apple Card ( XXXX ) without even giving me a chance to respond, which is incredibly rude. I never said that I did not conduct the courses, and I never said that I did not receive a certificate. In fact, I could create a website right now and issue courses and certificates as well. Does that make me a legitimate ACCREDITED institution? This is my argument, and it has been all along. I found this website online and it looked like a good way to earn my XXXX XXXXXXXX XXXX XXXX XXXX, however my company does not accept the " piece of paper '' that is being pawned off as a certificate because it is not from an ACCREDITED institution. As in, most XXXX courses are held at nationally or regionally accredited colleges and require green belt and black belt projects. This website offers none of this. It's a certificate mill. It is part of the greater fool theory. 

If Apple Card and the CFPB is not intelligent enough to understand my argument of accreditation, then I will need to escalate to legal means. As I am one of the four primary plaintiffs suing XXXX XXXX and XXXX XXXX XXXX XXXX at the moment for $ XXXX, I have no problem doing that. It seems quite petty that I can not get a {$500.00} BS charge removed. Pretty low-end for someone with a seven-figure net worth to even be dealing with, but I will not be paying it at all out of the principal of the matter. What do I need a credit score for?
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I have contacted Paypal Credit multiple times regarding my current line of credit with them. I have informed them that I am XXXX XXXX military and requested the interest rate reduction from the standard 24 % to a maximum of 6 %, as per the SCRA. Each time I have verified my address and have waited for the requested forms to come in the mail and nothing has arrived. I submitted my written complaint to the company stating this continued issue and that I will submit a complaint to CFPB if it is not resolved soon. I was told that the issue has been sent to cooperate offices and I will receive a written response within 7-14 days. That time has passed with nothing received either physically or digitally, I have spent months trying and being patient with the company but am getting nowhere. 

I have attempted to contact their head bank Synchrony but it always directs me back to Paypal Credit.
Consumer complaint received 2023-10-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MO)

On XX/XX/ I contacted XXXX XXXX XXXX about a FEW accounts that Are reporting negative on my credit profile. I asked the company rep to help me understand the Credit extension that I obtained from them and what services that was performed by them for me. I don't recognize or remember having a contract with them. I also informed them that my rights per Fair Credit Reporting Act was being violated and hurting my credit rating. I also asked them to remove these reporting accounts from my credit profile.Also to VALIDATE THE DEBT Per.15 U.S.C 1681 Method of Verification Law. I also asked the company to provide the copy of my original invoice or receipt with my signature. I also requested a Itemized bill with every single charge from the original contract.I also notified them about that if the following accounts : 1. XXXX XXXX XXXX Account number # XXXX Balance {$970.00} opened on XXXX 2. XXXX XXXX XXXX Account Number # XXXX XXXX XXXX opened on XXXX 3. XXXX XXXX XXXX Account Number # XXXX Balance XXXX wasn't removed I would Report it here to the Cfpb and also state that these reporting accounts also wasnt following metro 2 compliance.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

There are multiple discrepancies on my credit report. I would like them reviewed and removed as soon as possible. And for some reason, I can not log into my account online so I would request that you communicate with me via regular mail. I want paper copies. 

XXXXXXXX XXXX XXXX  {$8400.00} technically, this account was open fraudulently and does not belong to me. I would request that you produce letter of the original debt ownership. In addition to that and feel free to check with your legal department if the account has been charged off, then it's has to be considered income on my taxes and federal law prohibits income from being reported on your credit report if you don't believe me or you disagree then I would like you to show me proof of why this account shouldn't be removed immediately from my credit report. 

XXXX XXXX XXXX first of all we've asked for this account to be closed permanently. I'm not quite sure why it keeps showing. It's open one month and close the next. There should be a XXXX balance there were fraudulent charges made on the account. We reported them as quickly as we noticed, and they approved half of them and didn't approve the other half even though all the transactions were with the exact same merchant in the same time frame and fraud is the exact same issue that all of the transactions are being disputed they approved half of them and didn't approve the other half makes no sense at all. They know very well we didn't make these transactions we've explained over and over again, apparently Bank has a long history of poor customer service and has even been investigated by the United States government There are also some unauthorized inquiries on my report. I have contacted the banks directly. They agree that they were Fraudulent inquiries, but claimed that the credit reporting agencies are responsible for removing those inquiries, but feel free to call the banks individually, and they will confirm that these Inquiries do not belong to me XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also never lived at the XXXX XXXX address XXXX  Michigan Could you please remove that from my credit report? And I work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  years now
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (CA)

Movement Mortgage held onto an on-time payment I made in XXXX, XXXX  for 20 days causing my mortgage balance to increase. In turn, on XX/XX/2023 XXXX sent me a notification that our principle balance on our mortgage increased {$1600.00} from {$440000.00} to {$450000.00} despite never being late on a mortgage payment. 

As far as I can tell, XXXX held onto our XXXX payment because they were doing an escrow analysis and messed that up as well. 

When I pointed this out to Movement Mortgage and asked for an accounting, they did not send a proper accounting showing the total mortgage balance as requested and became non-responsive when I asked them to correct their error in reporting to XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Greco Financial Services Corp. (AL)

On XXXX XXXX Greco checked my credit for no apparent reason, at one point I did have and account with them where they had to check my credit but sense that time I have not applied for any credit from them so why are they checking my credit in 2023? I did not apply for nor ask for any credit in 2023 never. They are checking my credit for their own personal gain and to ruin my credit file with their unlawful credit checking. I did not ask them to check my credit in 2023 for any reason .Did not apply for any credit from them in 2023 They need to remove this inquirer from my report. I don't need unnecessary credit checking on my report. This is not legal, unless I had ask them to check my credit then that would be different but I never ask them to check my credit again, only the first time that I applied for credit. Why are they doing this. Do not check my credit unless I ask you to do so, this is illegal. Remove your credit check. There was not prior permission given to them to check my credit. 
They did not have prior permission to check my credit from me plus there is a block on all three credit reports and has been there for a few years, How did they access my credit report with a block on them. This is not legal if my credit has a block on them and I have a block on all three credit reports.