davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-07
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 (NC)

I bank with chime and my account was charged numerous time from XX/XX/year> to XX/XX/year> for a total of {$4000.00} by XXXX. I do not know who this merchant is and have explained that to chime but they denied me getting my money back twice!!! My phone and card was stolen at the mall and all my information was compromised as explained. I stated I just want my money back in my account and that merchant to be blocked so no future transactions are made. This was my bill money for the month and now im out of luck because I have no help.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

Attempted to close my card in XX/XX/year>, and paid off the balance. Was then charged fees and interest without receiving a bill from Citibank. Had the fees reversed on XX/XX/XXXX, and was told that the card would be XXXX out and that nothing more was owed. Was specifically told not to pay any money to the account at that time as well. 

Charged interest, fees, and a late charge again in XXXX, and was told there was an outstanding balance. Asked what they plan to charge me in XXXX because I keep getting charged AFTER being told everything was XXXX out. Attempted to pay off whatever balance I allegedly owed and see the account had been XXXX  out AGAIN. Asked what they plan to charge me in XXXX, and they stated that bill hadn't been generated yet. This is indicating to me that I will receive another bill, yet again. When I have been told and saw twice that my account is at a XXXX XXXX.
Consumer complaint received 2024-07-07
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing Attn : Dispute Resolution Department XXXX XXXX XXXX XXXX, SC XXXX Re : LOAN # # XXXX Dear Shellpoint Mortgage Servicing, I am writing to dispute the transfer of my mortgage loan to your company in 2022. Despite this transfer, I did not receive the required notice of ownership change, as mandated by federal XXXX. Additionally, I have encountered several issues related to documentation and reporting inaccuracies. 

Transfer Notice Violation : According to the Real Estate Settlement Procedures Act ( RESPA ), you are obligated to provide a notice of transfer of ownership within 30 days of the mortgage sale. I request that you promptly send me this notice, including the required information2.

Original Contract and Signature : Please provide a copy of the original loan contract with my original signature. Transparency is crucial, and I need to verify the terms and conditions of my loan3.

Transaction History : I demand a complete transaction history from the date you took over my loan. This includes all payments, modifications, and any other relevant transactions4.

Previous Loan Modifications : I request all documents related to any previous loan modifications made by Shellpoint. This information is essential for my records and understanding of my loan history5.

Separate Original Documents : Ensure that the original documents I signed on my closing date are kept separate and accessible. These are critical for any future legal or financial matters6.

Inaccurate Late Payments : Provide a detailed breakdown of any late payment inaccuracies you are reporting. If there are discrepancies, I expect prompt corrections.

Deletion of Tradeline : failure to provide any requested documents I demand that you delete your tradeline from my credit report within 15 days from the date of this dispute.

Please acknowledge receipt of this letter and provide a written response within the legally required timeframe. Failure to comply may result in legal action. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely,
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt=out of my personal information being reported.I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (SC)

My personal checking account as well as my business account was closed at Chase bank. I received the check in the mail with the remaining funds of my personal account but they have suspended my remaining funds in my business account even though the account has been closed by them. I called customer service numerous times over the last 2-3 months. They have not given me a reason as to why they are withholding my funds nor have they given me a time frame of when it will be released. They said the back office needed verification. Verification has been sent from XXXX bank but they have yet to release my funds.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

I had a dispute with Wells Fargo about a charge that was made by XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  pacific time {$770.00} I was charged but I only bought {$74.00} worth of stuff from that smoke shop and the cashier at the time charged me an extra {$700.00}. While I was furious when I figured out what happened I returned the next day to the store asking them to refund me or provide me a receipt. Which they couldnt fulfill my request and they told me to contact my bank which I did I disputed the transaction and explained what happened as I explained above and they denied my dispute. Its been months I keep reaching out to the business XXXX XXXX XXXX which is in XXXX, WA to no success trying to get a refund or receipt as they keep telling me contact your bank and they told they know they made a mistake but it was out of there hands now. So I kept calling the bank describing the situation but to no avail and no help they just denied my claim as I was being not truthful in my claim, which I am in disbelief about and need help to resolve this issue as I am exhausted trying to solve this problem.
Consumer complaint received 2024-05-25
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. (FL)

I hope this email finds you well. I am writing based on my previous communication regarding the removal of fraudulent items from my credit report. This marks the 2nd formal attempt to address this critical matter. Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00}.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I am filing this complaint because the reported debt is erroneous on several grounds. Firstly, the debt appears to be a duplicate entry, causing an inflated total balance that misrepresents my financial situation. Additionally, the report contains missing information that impacts its accuracy, such as omitted payments and transactions. My personal information is incorrectly listed, adding to the confusion and potential mix-up with another individual 's debt. Unauthorized charges have been included in the debt, which I have not consented to. The creditor has failed to provide proof of the debt 's validity or any contractual obligations that bear my wet signature. The reported balance owed is incorrect, and the payment history is inaccurately portrayed, showing late payments where timely payments were made. These cumulative errors violate the Federal Credit Reporting Act ( FCRA ) and necessitate immediate correction to reflect an accurate and fair credit report.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

Subject : Dispute and Request for Validation of Debt under 15 U.S.C. 1681 and Fair Credit Reporting Act I sent them this.

I am writing to formally dispute the accuracy of the information associated with the debt listed under my name and to request validation of this debt as stipulated by 15 U.S.C. 1681 under the Fair Credit Reporting Act. 

On [ insert date you originally sent the letter ], I sent your office a letter requesting validation of the debt, including a detailed payment history and a copy of the signed contract which purportedly obligates me to pay this debt. To date, I have not received satisfactory proof or validation of the said debt. 

As mandated by federal law, specifically 15 U.S. Code 1682 and 15 U.S.C. 1681, your agency is required to accurately and fairly validate the information before continuing to report such debt to any and all credit reporting agencies.

Please provide me with the following : 1. A copy of the signed contract that legally binds me to pay the debt. 
2. A complete payment history on the account, starting from the date the debt was incurred, detailing all payments made and charges assessed.

3. Any additional documentation or evidence that substantiates the validity of the debt.

Until these requirements are satisfied, I request that this item be removed from my credit report, as reporting inaccurate or unvalidated information is a violation of the Fair Credit Reporting Act.

I expect your diligent cooperation and response to this matter within the 30-day time frame set forth by the Fair Credit Reporting Act. Failure to comply may result in legal action including, but not limited to, a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate state or federal agencies. 

Thank you for your urgent attention to this matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-04-23
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. (CA)

Payment history incorrect. Account open, updated, and closed dates are also incorrect. Balance history also incorrect. Ive contacted Experian, and XXXX XXXX XXXX XXXX XXXX with the same response stating information is valid but was unable to provide me with proof. 

after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-05-25
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. (OH)

Today I received updates about the disputes results regarding the account XXXX with Department of EducationXXXX XXXX XXXX I have multiple paid accounts with the lender XXXX 's investigation concluded the account is schduled to remains on all credit profiles. 

Since the information from the accounts will remain Department of EdXXXX XXXX needs to accurately report my detailed information. 

Department of Education isn't currently reporting my payment history, my credit length on my credited account, or account status. 

Today, a lender denied me based upon credit history length being inconsistantly reported being improperly reported, Please update my information
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

Hello the office of CFPB, I am writing for your assistance to please help me to get American Express to do a thorough investigation on the fraud/scam case opened by me in XX/XX/year>. I would like them to reexamine their current outdated policy/guidance and to correct this situation : Refund me the invalid {$11000.00} charge on my account and to report this merchant to the appropriate authorities to prevent them from doing this to others. Scammers are getting smarter, and it is hurting all of us if we don't look at the facts and adapt our policies too. 

1. In XX/XX/year>, I traveled to XXXX XXXX and purchased a single candle for {$11.00} in XXXX XXXX. The merchant took my card and charged it to something else without my knowledge and authorization. I am disputing the invalid and unauthorized {$11000.00} charge to me by XXXX XXXX which American Express is allowing to be posted on my account. 
- American Express allowed the {$11000.00} charge on my card without prior verification with me. This is to date the highest amount charged on my card or any of my credit cards. 
- This also happened internationally so this should have been a major red flag for the AMEX fraud department. 
2. Once I became aware of the situation, I timely reported the finding and provided evidence. There was a lot of back and forth and in the end, American Express gave me back a generic In response to our previous inquiry, the merchant has provided us with itemization and a signed receipt indicating that the charge in question is valid which has been attached for your reference. '' - The merchant targeted me because I used the American Express card and found a loophole in the system. 
- They provided invalid and falsified documentation for a transaction that I did not authorize. I did not receive any of the listed items. Also, the single candle for {$11.00} that I got was not listed on their receipt. 
3. When I spoke to American Express representations, they were not helpful because this situation did not fit perfectly in their defined guidelines. It isnt a fraud because I gave the card over to the merchant even if the merchant switched the charge on me without my authorization. They agreed that this is a scam and I was told that I was not protected with scam cases. 

To date, I have provided evidences of what I purchased : photo and the receipt given to me after the transaction matching what we agreed on and what I actually received, my communication with the merchant about the transaction in which he could not confirm it was me or my transaction but refused to correct his error, my notes on the discrepancies on the merchants documentation, as well as my notifications to the agencies of this fraud/scam case. 

Please help me. Please just read through the facts. This is an awful feeling and I truly hope for this to not happen to anyone else too. 

Thank you!
Consumer complaint received 2024-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This is my XXXX  complaint to this agency for the account number XXXX. They claimed that I have an obligation to pay them due to a contractual agreement however they have not provided me with any evidence of said contractual agreement, only fictitious billing statements. Additionally, in response to my previous complaints, they claimed that they have given me an initial communication on XX/XX/year>. Please see attached. In order to comply with the procedures stated in the Fair Debt Collection Practices Act, they are required to provide an initial communication with a consumer. I do not recall receiving such communication. So I am now demanding that they provide me with evidence of said communication. Please provide me with the XXXX XXXX number and the green return receipt bearing my signature of said initial communication. They have already failed to accurately verify the alleged account by providing the entire purchase agreement. If they can not provide me with evidence of the initial communication as they claimed, then they are admitting to violating the Fair Debt Collection Practices Act. Furthermore, this would also be a violation of the Fair Credit Reporting Act as they have knowingly and willfully furnished unverifiable information to consumer reporting agencies.
Consumer complaint received 2024-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc. (FL)

XXXX, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. Consumer is now requesting XXXX, XXXX, and XXXX to provide documentation used in determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX  treasury XXXX form to audit consumers account. XXXX, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX ARBOR PROFESSIONAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Consumer complaint received 2024-05-26
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. (FL)

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 informationisinaccurate.