davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

After the reinvestgation of the 4th time this account is still inaccurate and incomplete it still appears to be on my consumer FICO credit report inaccurate. 15 U.S.C. 1681 ( I ) ( 5 ) by law you are obligated to reinvestgation the account and delete inaccurate and incomplete items. This account has several inaccurate and incomplete information remove immediately! 

XXXX XXXX ( account number ) XXXX
Consumer complaint received 2024-05-30
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 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 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (PA)

I am writing to formally appeal the denial of my trip cancellation insurance claim for my hotel booking scheduled for XX/XX/year> to XX/XX/year>. My reservation was booked through Chase travel, and I was due to check into XXXXXXXX XXXX  by XXXX XXXX XXXX at XXXX on this date. Unfortunately, due to an unforeseen incident, I was unable to proceed with my travel plans as scheduled. 

From XX/XX/XXXX to XX/XX/year>, I was in XXXX and planned to drive to XXXX on XX/XX/XXXX. On XX/XX/XXXX, my car windows were smashed, and items from my car were stolen. This incident rendered my car unsafe and illegal to drive on the highway, as broken window fragments posed a serious hazard. Given this unforeseen circumstance, I was compelled to remain in XXXX for two additional days to repair my vehicle. This delay directly resulted in my inability to check into the hotel as planned. 
According to the Chase Sapphire Reserve Benefits Guide, trip cancellation insurance provides coverage for " severe weather, XXXX action, or other covered situations. '' While the incident involving the vandalism of my car falls under the category of " unforeseen and unavoidable circumstances '' which severely impacted my travel plans. The policy also specifies coverage for situations out of your control, and the vandalism incident directly meets this criterion. Furthermore, the policy mentions that trip cancellation benefits cover " non-refundable travel expenses '' when " a covered loss '' prevents you from completing your trip. The inability to use my car due to the damage sustained is a direct impediment to my travel, thus qualifying as a covered loss. 

To further illustrate my point, I would like to refer to the Chase Trip Interruption Insurance Basics article, which emphasizes that trip interruption insurance can cover various unforeseen events that disrupt travel plans. This directly aligns with my situation where an unexpected and uncontrollable event prevented me from reaching my destination as planned. 

Enclosed are the following supporting documents : Police report detailing the incident. 
Photos of the damage to my vehicle. 
Receipts for the car repair services. 
Given these circumstances and the supporting evidence, I kindly request a reconsideration of my claim. This incident significantly impacted my travel plans and was entirely out of my control. I believe my situation aligns with the intent and provisions of the trip cancellation policy, and I would appreciate your prompt attention to this matter. 

Thank you for your understanding and reconsideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Usaa on XX/XX/XXXX let an unknown person add a access device to my account without my permission then allowed a bad check to be deposited, allowed said unknown person to put XXXX stop payments on previous months mortgages and then take {$4300.00} out of my account thats after said unknown person increased spending limit on my debit card to be able to move that much money. We were not notified until after the last transaction was completed and then were told the incident took place in XXXX of all places. Local police department found that the parties were in violation of XXXX penal code XXXX attached to this complaint is said report which was then given to the XXXX XXXX as the money was sent overseas. USAA stated repeatedly that we are responsible being as we gave the unknown persons our login information on a loan document. Ive asked to see said loan document and they cant provide me with it nor will they provide me with the information of said access device. Theyve repeatedly denied me access to any documentation that they say is not available to me cause the transactions were done in my wifes login. Even after she gave permission to usaa to allow me access. On top of which usaa app alone can be used by anyone who has access to the phone to gain access and login and steal anyones money. The security token is generated by said app, last XXXX of social dob and address which is what they ask for if you cant remember your pin is all stored on the app. 11 months Ive fought them I ask that this institution take heed and do something for there account XXXX alone violates CFPBs guidelines on efts and what is considered authorized and unauthorized transactions.
Consumer complaint received 2024-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (KS)

Received a letter from State Collection and they indicated that I owe {$110.00} and some change for a XXXX XXXXXXXX XXXX XXXX XXXX I have never been to this establishment. I have checked my records with my insurance company and they have no record of any claim coming from this XXXX XXXX XXXX on this date. I did on that date go to XXXX XXXX XXXX XXXX and that is through XXXX XXXX XXXX which is now a part of the XXXX XXXX XXXX XXXX. I do not know if there was a computer glitch in which my personal information some how got leaked but I do not owe this debt. I have even tried to get on the patient portal with this XXXX XXXX XXXX and they do not have any record of an account for me. I have requested an investigation and proof of this so called debt. Have not received a thing from this XXXX XXXX XXXX.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Harris & Harris, Ltd. (CA)

Subject : Complaint Against Harris & Harris Collection Agency Dear CFPB, I hope this message finds you well. I am writing to seek protection from the collection practices of Harris & Harris, which claims to be acting on behalf of the XXXX of XXXX XXXX. 

I have recently experienced violations by Harris & Harris, including receiving multiple text messages after XXXX XXXX, which I understand is prohibited. I have provided supporting documentation regarding these text messages. 

Additionally, Harris & Harris has addressed someone named " XXXX '' in their text messages, a person whom I do not know, nor have I provided this contact number to any collection agency. 

I kindly request your intervention and investigation into these matters to ensure that my rights under the Fair Debt Collection Practices Act ( FDCPA ) are upheld. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Financial Protection Bureau ( CFPB ) Re : Bank of America - Ongoing Financial Misconduct and Credit Damage Date : [ Current Date ] Dear CFPB, I am writing to file a formal complaint against Bank of America ( BOA ) for their continued pattern of financial misconduct, which is severely impacting my credit score and jeopardizing my ability to secure housing. This complaint is a follow-up to previous grievances I have filed, as the situation has not improved and has, in fact, worsened. 
Background : Following my initial complaints about fraudulent transfers, BOA closed all my accounts, including a credit card. 
Despite the account closures, the credit card continues to accrue interest, negatively impacting my credit score. 
I have been systematically denied access to online banking services, preventing me from managing my accounts and making payments. 

Recent Developments : BOA has effectively weaponized their private wealth management team to restrict my ability to pay off my credit card debt. 
My only option for payment is through phone calls, which has proven unreliable and potentially manipulated. 
A recent attempt to make a payment before the 120-day past due mark was unsuccessful, resulting in additional penalties.

When calling to address this issue, I was informed that collections are responsible for processing these payments but are unavailable on Sundays, further delaying resolution.

Specific Concerns : Deliberate Obstruction : The continued technical issues preventing online access appear to be intentional, designed to hinder my ability to manage and pay off my debt.

Retaliatory Practices : The pattern of account closures and subsequent obstacles strongly suggest retaliatory action for my previous complaints.

Credit Score Damage : The ongoing interest accrual and reported late payments are causing significant and potentially long-lasting damage to my credit score.

Housing Jeopardy : As a direct result of these actions, my ability to secure an apartment is now at risk due to my compromised credit standing. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CO)

Ive gone into branches. Ive called customer support fraud, identity theft everything I can. I can not get transparency from them and for the bank to say if I believe I become a victim of ID theft they have every bit of evidence this is ridiculous.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (TX)

I requested my full consumer file from Lexis Nexis. After several calls and emails, I finally received a PIN in the mail only to access the website where the PIN took me to blank web page. I've been emailing and calling since XX/XX/XXXX and I have yet to receive a response to any of my emails nor have I received my consumer file which I was last told it would be sent to me about a week and a half ago. This affects my insurance rates and based on my most recent insurance company rate hikes etc... I have reason to believe that the information on my file with Lexis Nexis is incorrect and I would like to review my full file due to misinformation and incorrect reporting and potential false information.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (CA)

We requested for them to complete the modification, which theyve been dragging out and in lieu of they set a sale on my house. This loan was with XXXX XXXX then transferred to XXXX XXXX, then transferred to Shellpoint. And the date of the transfer to Shellpoint was XX/XX/2023, not even within a month of transfer to Shellpoint, they put a sale on my house, ALL THE WHILE I HAVE A MODIFICATION PENDING!! 
This is Dual Tracking and therefore highly illegel in the state of California and Federal. I have been trying to get a modification now for over 2 years and they keep switching servicer on me.

What should I do? Please, please help me immiedidately. This is urgen. I have a wife and XXXX children and an elderly mother in law who live at this home. We will be homeless if they don't do the right thing. 

PLEASE HELP!
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Was notified by phone from a debt collection company called Portfolio Recovery Associates , LLC about a debt that I've never heard of or received a bill for. Nor, have I ever had an opportunity to dispute the debt, or, seek or ask for proof of the debt. 
I have now been served papers to appear in court. 

The State Attorney General 's office explained that in order for them to sue me in court, from out of state, they must have a Surrity bond on file. 

The company is based in XXXX Virginia, XXXX XXXX XXXX XXXX Ph : XXXX Web : XXXX Email addresses : XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Synchony credit card is charging a fee of {$1.00} to send an invoice with the monthly charges. This is outrageous. First it was just the card I had for the XXXX XXXX XXXX XXXX XXXXnd now they are extending it to my TJ Max and XXXX XXXX credit card. They are charging me to send me a bill so that I can send them additional money!!
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (WA)

Didn't even know I had a bill from paid my bill off and it was over.then a year and a half later I received a letter saying I owed money. don't know why!!! It said I owed {$130.00} but would settle for $ XXXXSo I called them to find out what was going on. They told me this and it was on my credit report, So I did not want that so I said if I pay this will you take it off the credit report? They said yes. So I paid for it on XX/XX/23. It is still on my credit report today!!
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TX)

Update : Nothing has changed other than having to pay Huge amount of interest. I found my information on the XXXX XXXX XXXX page with all of my records, since the beginning. 
My loans are under the XXXX XXXX XXXX. On page 9 of 13 bottom of the paragraph talks about loans being paid off after 10 years of repayment. The loan service company has violated my contract.
Consumer complaint received 2024-07-10
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)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 a 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

These are hard inquiries that I do not recognize. 
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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX bureaus : XXXX, XXXX, and Equifax ) : What happened Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Consumer complaint received 2024-09-08
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: EQUIFAX, INC. (NM)

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.

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 a 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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX account XXXX XXXXXXXX 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.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

During the Covid19 pandemic, payments were suspended. I received no income during this time and notified my lenders, asking for a payment freeze. In spite of this, they still listed me late. I am appealing to have these taken off my account as they are inaccurate.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.