davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings (FL)

I am writing to formally dispute the inaccurate information appearing on my rental history report. Specifically, my report incorrectly lists an address and eviction associated with XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX. I have never lived at or been associated with this address. 

Despite multiple attempts to rectify this issue with your agency, the erroneous information remains on my report. These repeated failures to address and correct the inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that credit reporting agencies investigate and resolve disputes within 30 days. Your agencys persistent failure to correct this inaccurate information after numerous disputes represents non-compliance with these statutory obligations and is causing significant harm to me by affecting my ability to secure housing. 

I demand an immediate investigation and the removal of this incorrect address and eviction from my rental history report.
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK PUERTO RICO (VI)

On XX/XX/2017 I wrote a check for {$45.00}. This check was cashed by the depositor on XX/XX/2017 and although I can assume this person only received {$45.00} when they cashed the check, my account was debited {$2000.00}. I have electronic confirmation of this debit amount. I am also able to access a copy of the check via online banking, and can see that check # XXXX has not been altered in any way, therefore feeding my assumption that the depositor only received the intended {$45.00}. When I noted this mistake on XX/XX/2017 I contacted the bank via the online banking portal in order to submit a claim against the transaction. I received an automated message in return, on the same day, confirming that my claim had been made. On XX/XX/2017 I also sent an email to a representative from my bank branch, asking her to assist with the matter. She replied on XX/XX/2017 to let me know that the claim was under investigation and that it could take up to 10 business days to resolve the matter. She told me that she would contact me on XX/XX/2017 to follow up. She did not ever send this follow up message. In between XX/XX/XXXX and XX/XX/2017, I also called the bank via the customer service number given in my online banking. Over the phone I was told by a bank representative that my claim was being investigated, that she could confirm the details of my complaint and see the incorrect transaction, and that the money would be returned to my account by XX/XX/2017. Yesterday, on XX/XX/2017, the money still had not been returned. I called this same customer service number given in my online banking. I was given similar information by this customer service representative -- that my claim was being investigated, they were not sure why it was taking longer than expected, that the details of my complaint could be confirmed and the incorrect transaction could also be confirmed. This customer service representative told me that they had no information regarding when the claim would be handled. I was told to keep calling back until it was handled. I was not given a deadline for when my money would be returned. I am now contacting your bureau in hopes that the bank will be forced to respond to and handle this claim/complaint. I want my {$2000.00} returned immediately.
Consumer complaint received 2024-07-12
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. (GA)

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are multiple items that were added to XXXX XXXX XXXX XXXX consumer report that I did not authorize nor consent to. In fact I do not consent to these items being reported on my Consumer report. The items that were added without my authorization are inquires. I will list the inquires below as well as attach photos of the inquires with this complaint 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  ALL of the above inquires that are being reported on XXXX XXXX XXXX XXXX consumer profile by EXPERIAN, XXXX, and XXXX were not authorized by XXXX XXXX XXXX XXXX . I do NOT consent to these items being added to my consumer report. I demand these items be removed immediately If XXXX XXXX XXXX XXXX claims that he did not authorize the above items the FCRA states that the credit reporting agencies EXPERIAN, XXXX, and XXXX must remove them. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft I am demanding that the unauthorized items be removed from my consumer report
Consumer complaint received 2023-09-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I am a current JP Morgan Chase with multiple accounts, and have been for over 30 years. Recently, my father opened new accounts and his local Chase branch. He requested that I also be given access to the accounts. He was told this would require me to physically visit my own branch to finalize the access. 

On XX/XX/2023 I visited my local branch and attempted to have the account access set up. In the course of the process, the bank employee began to ask me non-relevant questions to my service visit. This include information that I consider private and do not share with third parties unless it is related to the service. The demanded information included employment status, employer name and details, salary range, and numerous other items. These had no relationship to the requested service of accessing an existing account and was merely an attempt to gather data clearly for future sales and marketing purposes. 

When I informed the bank employee I wasn't willing to share information that isn't legally required, I was told that he could not proceed and therefore would not give me access to the account. 

It appears that JP Morgan Chase has adopted a policy that forces employees to gather, and its existing customers to share, confidential information it has earned no right to. They use the current customer status as a mechanism to force the customer to share that data without any recourse, despite the information neither being legally required nor necessary to provide the service.
Consumer complaint received 2024-08-02
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. (AL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Marlette Funding, LLC (NC)

Formal Complaint Regarding Unauthorized Payment and Overdraft Fee Reimbursement Request Dear Best Egg Customer Service, I am writing to bring to your attention a concerning issue regarding a payment that was processed online by Best Egg on XX/XX/year>, in the amount of {$16.00}. This payment was scheduled to be pulled from my account on XX/XX/year>. 

On XX/XX/year>, at XXXX pm, I contacted Best Egg to cancel the payment. The representative I spoke with assured me that the payment had been successfully cancelled. Despite this assurance, Best Egg proceeded to process the payment on my bank account on XX/XX/year>. 

As a result of this unauthorized payment, my account incurred an overdraft, leading to a {$50.00} overdraft fee being charged by my bank. This error on Best Egg 's part has caused me financial distress and inconvenience. 

I am formally requesting that Best Egg reimburse me for the {$50.00} overdraft fee that I was charged due to the erroneous processing of the payment that I had specifically requested to cancel. 

I urge Best Egg to investigate this matter thoroughly, rectify the error, and provide me with a prompt resolution. I kindly request confirmation of receipt of this complaint and a timeline for when I can expect a response regarding the reimbursement of the overdraft fee. 

Thank you for your attention to this urgent matter. 

Sincerely,
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau of York, Inc. (PA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Consumer complaint received 2024-06-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CO)

I am a resident of Colorado. I previously had the leased car registered in Florida. I need to re-register the car in Colorado. The car may be totaled so it's urgent that I register it immediately to prevent increased losses.

KIA says they sent the title for my car to me by US mail months ago and they keep claiming they've re-mailed it multiple times. Now they won't even pick up the phone to me. The car is not registered and I'm paying for a car I can not drive. 

I requested the title of KIA by phone initially in XXXX. See attached KIA shows they claim they processed it. This notice has been on my account for four ( 4 ) months now.

I have re-requested the title ( both sides ) and limited PoA at least a dozen times, by email and phone - see attached evidence of the emailed submission showing a request that they email it directly to my DMV and copy me so I know it is there. My State DMV denies receiving it and claims they have no way to receive it by XXXX mail- which is what KIA keeps claiming they've done. 

On XX/XX/24 my XXXX neighborhood received a severe hail storm. My KIA car sustained major damage. It may be totaled. I submitted a claim to my insurer. But the repair shop responsible for the repair or totaling it will not allow vehicles in their shop that aren't registered here.

I reported the loss to KIA. I've experienced other significant losses on this car due to attempts to steal the KIA and extreme vandalism which also needs to be completely repaired before I return the car to KIA. The lease is over soon.

I am paying for a car that I can not drive and how do I return it to KIA without being repaired? KIA will destroy my credit if I do that or if I stop paying for a car I can not drive. 

AN IMMEDIATE FAMILY MEMBER HAS XXXX. She lives out of state and I need to go take care of her. I need this sorted out quickly. By copy to KIA I had wanted to stay their customer and get another KIA when this lease is over - but I need them to help me. This is my 2nd KIA. 


Thank you for your help!
Consumer complaint received 2023-09-15
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. (NC)

In alignment with the Fair Credit Reporting Act : The accounts listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX XXXX account number XXXX, and XXXXXXXX XXXX XXXX account number XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

Portofolio recovery for sevral years had tried to collect a debt that was opened by fraud. 
They have never sent me a piece of paper with any proof of my owning this acount.They sent me a bill stating this was mine. They have never proven legal ownership in any way yet they continue to say it's mine
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST NATIONAL BANK OF OMAHA (CA)

First National Bank of Omaha Customer service was contacted in XX/XX/2024 to resolve a past due amount on a previous account. I was referred to their debt collector on record at the time I believe was named ( XXXX ). XXXX and i agreed to a settlement offer to bring account to a XXXX balance and report to chex systems for removal. To date this debt is still listed on XXXX XXXX with the same negative balance and error. I've contacted XXXX 's customer service several times and they refuse to take responsibility for this continuous error and refuse to provide me with documentation on letterhead via email stating this in error and that my account is settled. They also blatantly refused to contact XXXX XXXX on my behalf to further assist me. This negative action has led to me being denied opening a checking account within the last 30 days. When I presented this to the customer service representative her attitude and her tone was nonchalant and she could care less as a matter of fact which was depicted in the way she spoke. I further asked for a Supervisor whom came on the phone and further validated her subordinates behavior with the same behavior.
Consumer complaint received 2024-07-09
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Briteside Solutions LLC (FL)

I am filing a complaint against Briteside Solutions for deceptive business practices, misleading information, and failure to deliver promised services regarding their credit repair program, potentially violating federal and state consumer protection regulations. 

I enrolled in Briteside Solutions credit repair program, paying over {$8000.00}, expecting assistance in resolving and improving my credit. However, the services provided left me in a worse financial situation than before. 

Despite following account managers ' guidance, I now have collections on my credit report, severely affecting my credit score. This has made it impossible to take out equity from my home during a family emergency. Additionally, I faced three lawsuits and now need to pay back all disputed accounts, costing me thousands of dollars ( approx. {$10000.00} ). 

I believe Briteside Solutions engaged in deceptive and misleading practices. They misrepresented their ability to resolve my credit issues, resulting in significant financial harm. Their failure to deliver on their promises constitutes a breach of contract and deceptive business practices under consumer protection laws, specifically the Credit Repair Organizations Act ( CROA ) and potentially the Federal Trade Commission Act ( FTCA ). 

The CROA prohibits credit repair organizations from making false or misleading statements and charging fees for services not yet performed. The FTCA prohibits unfair or deceptive acts or practices in or affecting commerce. I believe Briteside Solutions ' actions are in direct violation of these regulations. 

I feel scammed by this company. They promised to improve my credit, but instead, I am left with more debt and unresolved collections. I am extremely dissatisfied with the service provided and the false promises made by Briteside Solutions. 

I am seeking a full refund of the {$8000.00} paid to Briteside Solutions for their credit repair services, as well as compensation for the approximately {$10000.00} I now need to spend to resolve my credit issues. I also request they take immediate action to remove the disputed accounts from my credit report and correct any negative marks they caused. 

I hope the CFPB can assist in resolving this matter. The service I received from Briteside Solutions has been highly unsatisfactory and caused significant financial hardship. Their deceptive practices and failure to deliver on promises must be addressed. Their actions may also constitute violations of the Credit Repair Organizations Act and the Federal Trade Commission Act.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sent XXXX rounds of letters to dispute my account and nothing has happened. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 
You and your inaccurate reporting have damaged my livelihood.

15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies : a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; Exact Prohibition : a law or regulation forbidding something As define by the IRS- Even if you didnt receive a form 1099-C you must report canceled debt as gross income on your tax return. 
Account # XXXX balance of $ XXXX XXXX XXXX XXXX Rewards This is a charge off and I demand a form 1099c for tax purposes!
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc. (MO)

[ UNITED CR CO/Account Number : XXXX ] This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : 1. ) What the money you say I owe is for ; 2. ) Explain and show me how you calculated what you say I owe ; 3. ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. ) Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; 5. ) Prove the Statute of Limitations has not expired on this account ; 6. ) Show me the you are licensed to collect in my state ; 7. ) Provide me with your license numbers and Registered Agent or Agent of Service.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (GA)

After contacting the Bureau to find out about a debt that I dont owe them, they never responded to my request but instead reopened the account on my credit report. I dont have any contract with this company and although I asked for verification they never got back to me.