davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (GA)

this is the follow up of my complaint... I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer 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 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
Consumer complaint received 2024-05-25
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: JPMORGAN CHASE & CO. (AZ)

There are ( 2 ) separate fraudulent charges on on my credit card that I disputed with Chase Bank for card ending in XXXX XX/XX/XXXX Jaunty {$390.00} XX/XX/XXXX XXXX XXXX  {$590.00} XX/XX/XXXX XXXX  {$390.00} XX/XX/XXXX XXXX  {$390.00} XX/XX/XXXX XXXX  {$390.00} The results came back as " you received benefit from this transaction '' from Chase per the mail paper received on XX/XX/XXXX. 

These charges are fraudulent and chase provided no proof of their claim that I benefited from this transaction. I would like a refund from all totaling {$2100.00}.
Consumer complaint received 2023-12-21
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I am demanding written proof of me as the original creditor giving you consent to furnish this negative account COLUMBIA DEBT RECOVERY # XXXX opened XX/XX/2023 on my credit report without my consent and refusal to remove this account is now consisted to willful noncompliance with the FCRA laws. This is defamation of character. I WILL FILED THIS LAW SUIT IF THIS ACCOUNT NOT REMOVED.
Consumer complaint received 2024-05-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I was given a gift card with AMEX purchased from the XXXX store. I tried using the funds on XXXX and it declined my purchase. I contacted AMEX customer service and they offered no resolution to this. I would like to have the money refunded with a reimbursement for my inconvenience.
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (CO)

Beginning on Monday, XX/XX/2024, the Discover credit card company started calling my mother and father. They have called repeatedly, leaving voicemails, every single day. It has now been 6 days of this occurring. My parents are not involved or co-signed on the card and these repeated calls are harassment, causing them distress. Discover has not called me recently, they have just moved on to my parents. 

I have closed my account and I am doing everything I can to pay the debt off. I have multiple debt amounts to pay, and it has taken me years to make progress.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. Thank you. 
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
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On Friday XX/XX/XXXX at XXXX, I attempted to deposit {$2500.00} of cash into a Bank of America drive-through ATM ( 24 {$100.00} bills, 5 {$20.00} bills ). The ATM timed out after about 10 minutes and only credited me {$300.00}. The address of the location is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 

I went inside the branch to file a complaint, but they told me to call the claims number and provided me with the number. 

I called the claims number and filed a claim. Since I was only credited for {$300.00}, the claim is for the remaining {$2200.00}. Every time I try and get an update, I am told to wait 45-90 days for a resolution. I have also not received a provisional credit for this, despite being told I would be when I filed the claim. 

I was moving this money from my XXXX XXXX XXXX XXXX account to my Bank of America account, so I have a paper trail of my withdrawal from XXXX of {$2500.00}. I also took a video/photo of the Bank of America ATM screen because it was spinning for an unusual amount of time. 

I have attached the photo of the Bank of America claim number, a photo of the ATM screen, and a screenshot of XXXX XXXX XXXX XXXX account that I withdrew {$2500.00} from to deposit into Bank of America.
Consumer complaint received 2023-12-21
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. (FL)

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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NY)

Hello, Re : loan number # # # # # # # # # #. 

I am emailed Mr. Cooper again of issues with my mortgage 's escrow account and property tax bill ( county tax ). 

I spoke with a Mr. Cooper representative in early XXXX ( I believe XXXX ) because I received a delinquent tax bill. The representative had me email a picture of the bill to XXXX. 

Amount due originally was {$1200.00}, and now including penalty is {$1300.00} if paid by XX/XX/XXXX and {$1300.00} if paid by XX/XX/XXXX. 

I see now that another incorrect payment ( disbursement ) for property tax was made here in XXXX ( XX/XX/XXXX ) for {$1200.00}. 

Prior to this delinquent tax bill I learned and informed Mr. Cooper that an incorrect payment ( disbursement ) for property tax of {$1300.00} was made back in XXXX ( XX/XX/XXXX ). 

My escrow account needs be corrected and my property tax needs to be correctly paid, including any and all penalties. 

The 2 incorrect disbursements need to be credited to my escrow account and Mr. Cooper needs to pay the XXXX XXXX treasurer {$1300.00} by XX/XX/XXXX or {$1300.00} by XX/XX/XXXX for my parcel.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NC)

I contacted the company after receiving a credit card with a limit and then immediately receiving a closed account letter. I didnt authorize for the account to be open or closed and asked the creditor to remove the account of my credit. XXXX refused and stated for me to send a letter but they will not remove the account even though everything that has been done by the below creditor is not legit or authorized. 


Comenity Capital Bank XXXX XXXX Credit Card
Consumer complaint received 2023-09-12
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. (NY)

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2024-05-25
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. (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

There are accounts that is currently reported from EQUIFAX that are incomplete. Payments that I have made on these accounts are missing. This is hurting my credit score. There are also inaccurate late payments being furnished that is reported by EQUIFAX. These accounts violate the FCRA per 15 USC 1681e ( b ).
Consumer complaint received 2023-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (CA)

After placing my home up for sale, I was notified that my property has a default judgment lien that was filed in XXXX by the Patenaude & Felix a law firm/debt collector. The default judgment was obtained by fraud upon the court by filing a defective proof of service. 
Based on information obtained from an associate of XXXX XXXX XXXX, the date of personal service was made on XX/XX/XXXX to a male at my address, and a default judgment requested on XX/XX/XXXX. I have undisputable evidence, that from XX/XX/XXXX until XX/XX/XXXX my XXXX XXXX XXXX son and I were in XXXX Colorado taking care of my XXXX mother, and the only person that would have been at my home on the date of service would have been my sister who was watering our house plants. Based on these dates, it is impossible for me to have been served court documents. I have researched this law firm and find this to be a normal practice, submitting defective proofs of service, and obtaining default judgments. 
There have been many civil suits filed against this firm, only to be dismissed based on the plaintiff 's lack of knowledge of the law, giving Patenaude & Felix and XXXX  for dismissal.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

On XX/XX/XXXX, I deposited XXXX checks : {$4500.00} and {$14000.00}. The checks were drawn on CFPB pursuant to a settlement agreement with XXXX XXXX US Bank gave {$220.00} availability on the deposit date and on XX/XX/XXXX, the remaining amount on the {$4500.00} check was available. No info was provided in the {$14000.00} check although it was showing in the XXXX XXXX as available. I talked with Customer Service on XX/XX/XXXX and they indicated that the funds would be available on XX/XX/XXXX. My available funds in the XXXX XXXX were updated on XX/XX/XXXX to show the {$14000.00} was not available. I called customer service again on XX/XX/XXXX and they transferred me the XXXX XXXX who indicated that there was a pledge on that deposit and the funds would be available on XX/XX/XXXX. They indicated that the pledged was placed on the funds because it was a large amount and they both not override the status that was placed on the deposit by the back office. On XX/XX/XXXX, I received a letter from US Bank indicating that a hold was placed on the deposit because the Bank believes that there is a likelihood that the funds may not be honored. This letter indicated that the funds would be on hold until XX/XX/XXXX. Since you, the CFPB is a Federal Agency and a check was deposited from the same issuer on the same day, the claim from US Bank that they have info that the check may not be honored seems a stretch under Reg CC. I am now in the position because on incorrect info from the Bank that checks/withdrawals that I relied on making from that deposit could overdraw my account.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX XXXX has already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX has already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 

Please manage your responsibilities accordingly.
Consumer complaint received 2023-12-21
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. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (LA)

In XX/XX/XXXX I started making payments for the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX through XXXX XXXX XXXX. I made payments of {$350.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, and {$800.00} on XX/XX/XXXX totaling {$5100.00}. On XX/XX/XXXX we found out from the XXXX XXXX hotel the venue for the rooms and comedy show which was supposed to be XXXX that the event was no longer happening. XXXX XXXX reached out on XX/XX/XXXX saying it was not their fault for cancellation and the hotel messed up the booking. XXXX XXXX reached out again on XX/XX/XXXX about us receiving a refund and said to allow XXXX weeks for this to take place. No further communication was received from XXXX XXXX and they filed for bankruptcy in XX/XX/XXXX. I have filed this dispute previously and several times through cashapp which is the company I used to pay for this service and have been denied each time due to charges being outside of the 60 day dispute window however initially XXXX XXXX stated they were going to issue a refund on XX/XX/XXXX. They later filed bankruptcy. They have since defaulted on the bankruptcy and now their attorney has withdrawn himself from the case due to XXXX XXXX unwillingness to listen to his counsel. I have seen several other people refunded their money from their credit companies and ask the same consideration. Thank you.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (MD)

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatement or omission of material facts constitutes a federal criminal violation punishable under 18 u.s.c 1001.

Additionally, any false statements are punishable as perjury under 10 u.s.c 1621. This collection that is being furnished in my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization used my personal identifying non- public personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have examined my consumer credit report, and this marks my second complaint to your agency. Unfortunately, the issue of inaccurate reporting persists across all three bureaus. Despite my consistent efforts to dispute the inaccuracies with XXXX, Experian, and XXXX, the matter remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX