davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I dispute your position that my identity theft claim is unfounded. WHOM DO YOU THINK YOU ARE TO JUDGE ME ABOUT WHETHER OR NOT I'VE BEEN A VICTIM? It is completely baseless to claim that you have the authority or the legal standing to make such a decision. You can be confident that I will promptly contact an attorney to begin legal action if you continue with this wrongful denial. I demand that you follow the stringent legal procedures that regulate claims of identity theft. I am providing you with an official law enforcement agency report, duly filed with a federal agency, to underscore the gravity of my case. Let 's get this resolved as quickly as possible in the allotted five days. 

Unfortunately, it appears that my attempts to make this right have not been received well. It seems that your bureau has not taken the seriousness of my identity theft case into consideration, despite the significant proof I have presented. I feel abandoned, irritated, and powerless as a result of this lack of acknowledgment. 

I implore your bureau to acknowledge the seriousness of my identity theft claim and take immediate and decisive action. I request that you conduct a thorough investigation into the matter, validate the authenticity of my evidence, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek assurance that you will take steps to prevent the recurrence of such unauthorized activity in the future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX Please be aware that if my concerns are not addressed promptly and satisfactorily, I am prepared to seek legal counsel and escalate this matter to relevant regulatory authorities to ensure that justice prevails.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I contributed to a friend 's upcoming wedding celebration by contributing to their honeymoon travel fund. As soon as I made this donation, I have been slapped on the hand by JPMC with weird claims that this is a cash advance. This is not an alternative to XXXX, a casino, or anything else that would qualify as a cash advance. No credible explanations have been forthcoming.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 information is inaccurate.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (TX)

XXXX XXXX XXXX Credit Karma XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Credit Karma, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : 1. It has come to my knowledge and understanding that you have inquired upon my consumer report on behalf of Credit Karma on XX/XX/ and see attached for other dates. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

The attachment clearly shows that XXXX XXXX XXXX XXXX / XXXX XXXX was correctly reported as Account closed at consumers request however such remark was removed inaccurately and the inaccurate Remark code added on XXXX, XXXX  as Account closed by credit grantor for a sinister purpose. Since it has been obvious that Account closed at consumers request is accurate, it was improper to remove it and replace it by adding FACIALLY FALSE DATA with the remark Account closed by credit grantor. Furnisher and CRA lack the required internal controls to prevent such Facially False Data which is impossible and conflicting. Such conduct constitutes a malicious willful FCRA violation and I demand {$1000.00} statutory damages and Permanent deletion of the account from every CRA file.
Consumer complaint received 2024-06-21
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 received an AMEX Digital Gift Card for the amount of {$400.00} from my employer on XX/XX/2024. Per AMEX 's website balance check, the full amount of {$400.00} was available for use. When attempting to use the card with online merchants for the amount less than {$400.00}, it was constantly being declined. I opened a case with AMEX Gift Card customer service on XX/XX/2024 they deactivated the digital gift card and now it says " Unknown Error '' with the card number and balance completely gone, like it never existed. They collected my information such as Name, Address, Phone, Email, and they said it would take up to 30 days to resolve. I followed up on XX/XX/2024 because I did not receive any confirmation email other than a XXXX # for reference. It felt like a scam. I contacted them today, XX/XX/2024, and they said that it would take up to 30 days to investigate and issue me a new card, and if the card doesn't work again then they will send me a check for {$400.00}. I said that it has been more than 30 days and asked if this could be escalated. The agent said no and to give it one more week. If it is not resolved by next week, then they will escalate the issue. After reading on XXXX that many other AMEX Digital Gift Card recipients have experienced the same issue, I do not want to deal with having another gift card that may not work but it appears that their re-attempt to rectify the problem is to issue another card before sending a check for {$400.00}. 

Attached are screen shots of the original email that I received from my employer for the AMEX Digital Gift Card plus the credit card number that used to exist. Additionally, I've included my employer 's receipt/proof of purchase.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

Since XXXX I have a Capital One Walmart Mastercard Credit Card ; on XX/XX/XXXX the bank closed my account with an offensive letter stating that they closed my account because " the account activity don't meet its expectations ''. " Please stop using this account immediately and destroy any cards and checks associated with it '' The bank don't provide any specific why closed my account, making the situation a discriminatory act from capital one.
Consumer complaint received 2023-12-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (GA)

I purchase car from us auto sale XX/XX/ that included a service contract for extra $ XXXXFrom the beginning of getting this car it already had problems and within 30 days of purchase needed repair for over {$1000.00} XXXX XXXX XXXX I contacted service claim to have car checked.Found out us Auto no longer paying and my car was transferred to Westlake financial.I contacted them and they stated they were not honoring any warranty or service contracts from us auto.and I was responsible for getting it fixed.XXXX .On or about XXXX I called Westlake asking to remove the service contract {$3000.00} from total of my car because they never honored when my account was transferred from us auto.Westlake financial stated I now have a service contract and gave me number to XXXX XXXX.I called and XXXX XXXX said that my service contract is no longer valid because over mileage as original service contract.I explained I had called Westlake months ago and was told didnt have a service contract and having same issue as I had before us auto transferred accountXXXX requested I send documents that I had problems previously while car was under mileage.I sent and no one has responded or trying to fix car, Also ask Westlake about trading car in.Westlake stated my car is only worth {$2000.00} through XXXXXXXX XXXX.So while am I paying over $ XXXXXXXXto Westlake for a car they say only worth $ XXXX. 
Also it seems as though the cost of the car is now higher seem as though this company are not honoring any payments I made to us Auto before transferring because total is higher and none of the money im paying now really never go to car itself it is being applied wrongly a scammish way of keeping me in debt
Consumer complaint received 2024-07-06
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 XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 that are reported 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!

15 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 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Avant Holding Company, Inc. (PA)

My checking account was debited in the amount of {$640.00} on XX/XX/XXXX, I called my bank, XXXX XXXX  and they instructed me to contact Avant , LLC to dispute the charge. I called them on the XXXX, XXXX and XXXX to have them refund the money back into my checking account. However, on XX/XX/XXXX, I received an email that stated that no fraud had occurred and the claim was closed. I want the {$640.00} refunded back into my account.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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 2023-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (PA)

My Name is XXXX XXXX XXXX I am writing this to inform whoever it may concern of fraudulent foreclosure practices with a mortgage company named NEW REZ /dba SHELLPOINT I have been a victim of identity theft tittle fraud and mental anguish from this corporation about a property that was gift wrapped from my grand mother XXXX XXXX XXXX a deceased retired federal employee ( FHA ) to my now deceased mother XXXX XXXX a retired city employee ( XXXX ) this mortgage company is committing title fraud and homeowner insurance fraud through their various esquires the most recent is XXXX XXXX XXXX I have all the legal document to show that this property was a passed down clear and free of any interest or liens these esquires and mortgage companies are dealing with my trust that was also left to me and is now being ran by fraudulent estates that was reported on every level local and federal the bank XXXX XXXX XXXX XXXX XXXX has let these entities rob my trust and estate and neither of them have followed the FDCPA I have sent multiple certified mails stating how they have violated my rights and are giving lines of credit off my properties that was not authorized by me I have reached out to the attorney general also regarding this matter and this is identity theft tittle theft homeownership fraud and estate and trust theft I am now writing this bearu of the government for help against these creditors that have ruined my life and is now coming after my children as well as myself.
Consumer complaint received 2023-10-29
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. (MD)

These accounts are unauthorized, and they are not related to any transactions by me : XXXXXXXX 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  ) These accounts are unauthorized, and related to identity theft ; and I request that they are deleted within 4 days.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hello my name is XXXX XXXX and there is inaccurate information on my account from XXXX XXXX ( XXXX XXXX ). Which was placed on my account on XX/XX/year> in the amount of {$13000.00}. According to passages 15

USC 1681 Section 602A. States that I have the right to privacy. 15 USC 1681 Section 604 Section2. States that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (GA)

I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (LA)

In response to CFPB complaint # XXXX - XXXX my name is XXXX XXXX a federally protected consumer, and Iam making this complaint against the Company Midland Credit Management has 30 days 15 USC 1681s-2 ( 8 ) ( e ) gives the furnisher of information 30 days the same standard that is upheld by the consumer reporting agency 15 USC 1681i ( A ) 1 ( a ). I will not be granting any extension, because if the roles were reversed and, I could not substantiate any validity in what Iam saying. They would go for a default judgment, or they would go and file a claim the law gives them 30 days. I expect you to uphold those policies, we will not make special arrangements for anyone with any special treatments for anyone with any special treatment. Company have violated 15 USC 1691s-2 ( 8 ), 15 1681i ( A ) 1 ( a ), 15 1681 i ( 5 ) ,15 USC 1692c ( c ). So you are saying? with all the violations, I should let them violate my consumer rights more by having them waive, and still furnish inaccurate information on my consumer report? I think not is very clear about information being accurate and furnisher of information are prohibited from reporting any information that is inaccurate are they know or believe to be inaccurate. 15 USC 1681S-2 ( A ), and 15 USC 1681s-2 ( B ), I except the prompt deletion of this account from my consumer reports. Upon the receipt of the documents herein and of this notice, you are hereby Notified Pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required Midland Credit MNG. - XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc. (NY)

In XX/XX/XXXX, I applied for the SAVE Program through the Federal Student Aid Website. 

The SAVE program makes it so your monthly lower payments are lower, in my case my monthly payment was {$0.00} and that interest above your monthly payment is waived. So my balance on the SAVE program would not grow over time due to interest even if I paid {$0.00}. 

My application for the SAVE program was received, processed and sent by The Department of Education to Aidvantage. Aidvantage never placed me on the SAVE program, and instead put me on a regular Income Driven Repayment Plan. This allowed for interest to accrue on my loans from XXXX XXXX XXXX when it shouldn't have. 

When I called Aidvantage, no one there, including the supervisor was knowledgable about the SAVE program. It seemed as though I knew more about the program than them. My main question was that since the Aidvantage representative could see that Aidvantage received my SAVE application in XXXX or XX/XX/XXXX, why was I not approved for the program? No one could give me a straight answer, they sent me a letter in the mail not answering that primary question. 

The SAVE program was blocked in the courts in XX/XX/XXXX so will no longer be active going forward. 

What I am looking for is for the over {$2000.00} of interest that accrued from XXXX  XXXX-XXXX  XXXX  when I should have been on the SAVE program to be rectified and my total loan balance lowered by the amount of interest that accrued during that time.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

I am filing this complaint to express my deep frustration and anger with Chase Banks disgraceful handling of my account closure and the unjustifiable delay in returning my funds. 

In XX/XX/XXXX, Chase Bank closed both my checking and savings accounts. Despite this, nearly a year later, I am still waiting for a check of {$1400.00} from my savings account. I did receive a check for {$2300.00} for my closed checking account in XX/XX/XXXX, but this was already significantly delayed, and my remaining balance for my savings account has yet to be released or mailed out. 

I have contacted Chase at least XXXX times, each time being told that the {$1400.00} has been approved for release. Yet, here I am, nearly a year later, still waiting for MY money. This is not just an oversightits gross negligence and a blatant disregard for your customers. 

I am outraged by the utter lack of professionalism and the repeated empty promises. Chases behavior is completely unacceptable and has caused me significant distress and financial hardship. 

I demand immediate action. Chase must release the {$1400.00} without any further delays and provide compensation for the months of inconvenience, stress, and financial damage this has caused me.

I expect the Consumer Financial Protection Bureau to intervene immediately to hold Chase accountable for this egregious misconduct. I will not tolerate any more delays or excuses.
Consumer complaint received 2024-08-20
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. (PA)

LVNV Funding LLC account XXXX XXXX XXXXXXXX not reporting correctly, this account is not accurate. 

They have reported information verified My confirmation number is XXXX Can you please look into this matter