davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Someone did fraud on my account and I called chase bank to help me out and they said they couldnt help me or do anything I told them I want to open a investigation and they said they cant help me out because they said that I XXXX someone but I told them it wasnt me and they said so you mean some one got into your online account and I told them yes I didnt do anything and they said they cant help me and closed my account
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates LLC placed a collection account on my credit reports for {$8200.00}. I do not have a contract with this company. I contacted them several times asking for proof of ownership and never received an answer. I did online research and per Green v. Portfolio Recovery Associates LLC, I am entitled to see documents proving they own this alleged account.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC (PA)

Zelle is a third party who has contacted with my bank to enable money transfers. 

On XX/XX/year> a tenant of mine paid rent. Subsequently he had a fraud alert and suspended his Zelle account with XXXX XXXX XXXX XXXX. I reviewed a confusing email stating my Zelle account was locked. 

I contacted my bank TD Bank to resolve the issue and unlock my Zelle account. They were unable to provide a phone number for Zelle so that I & my tenant could clear up the confusion that locked both our accounts. We ( my tenant his mother & I ) were able to speak with XXXX XXXX support 3 times during XXXX and once in person at their XXXX PA branch office but they reported that they ( TD Bank ) are only able to open tickets with Zelle- they do not have the ability to speak with Zelle. Each request was denied without any additional steps for how to escalate or proceed. 

I have contacted Zelle app support - who state that they can not see the bank account linked accounts - nor can they assist w/ resolution or escalation. 

I have contacted their Parent company as well - who also does not have a dispute resolution department. 

My rent monies for XXXX + {$5000.00} are stuck in Zelle and my tenants need to wait for Zelle to refund the money so that they can pay by check. I am at risk of incurring late fees on my mortgages. 

There is no person assigned to handle customer issues like this I need help contacting someone at Zelle ( or their parent company ) to help resolve my locked account & unfreeze the money that is stuck in this digital transfer.
Consumer complaint received 2024-05-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (AL)

Dear Attorney XXXX XXXX I am providing you with dates and ACH information for payments made to Shellpoint on my mortgage account. I cant understand why this is always an issue with Shell point reporting inaccurate information. Shell point is reporting Ive missed payments from XX/XX/XXXX to XX/XX/XXXX, and payments from XX/XX/XXXX to XX/XX/XXXX. I am providing documentation to dispute these allegations of missed payments and inaccurate payments made. 

XX/XX/XXXX Shell point mortgage {$600.00} XX/XX/XXXX Shell Point mortgage {$900.00} XX/XX/XXXX Shell Point mortgage {$100.00} XX/XX/XXXX Shell Point mortgage {$500.00} XX/XX/XXXX Shell Point mortgage $ {$900.00} XX/XX/XXXX shell Point mortgage {$900.00} XX/XX/XXXX shell Point mortgage {$920.00} XX/XX/XXXX shell Point mortgage {$1000.00} Please see attachment for ACH dates paid and ACH conformation numbers. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

There are XXXX collections on my credit report that need to be removed. They got charged off in 2016 but they keep reappearing as new collections, so i think the collectors are re-aging my debts. Ive contacted them twice and even the company and they are refusing to provide me with documentation.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

I am trying to withdraw my money from Goldman Sachs Marcus and they keep denying and reversing the withdrawals. I have made other withdrawals with no issue, but they keep preventing me from withdrawing the full balance of my account. Ive called numerous times and am being given the runaround.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

This communication also serves as a formal demand to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, as mandated by the Fair Credit Reporting Act ( FCRA ), 12 CFR 1016.7, and 15 U.S. Code 6802. 

Violation Notification : It has come to my attention that XXXX has been reporting information related to the aforementioned accounts on my consumer report without proper verification or my consent. This blatant disregard for my privacy rights and the accuracy obligations outlined in the FCRA and relevant federal privacy regulations is unacceptable and requires immediate attention. 

Opt-Out Request : I hereby exercise my legal right to opt out of any further disclosure of my nonpublic personal information to nonaffiliated third parties, including any information inaccurately or unlawfully reported by XXXX. 

Required Actions : 1. Cease Disclosure Immediately : I demand the immediate cessation of all disclosure of my nonpublic personal information to nonaffiliated third parties. 
2. Correct Reported Information : I insist on a thorough review and correction of any inaccuracies in the reported information linked to my consumer report. 
XXXX. Confirmation of Actions Taken : I expect a written confirmation detailing the corrective measures implemented by XXXX to rectify the reported inaccuracies and confirm compliance with my opt-out request. 

This letter constitutes a formal complaint, and I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to protect my rights if necessary. 

I anticipate your prompt response within 30 days of receipt of this letter, providing detailed information on the corrective actions taken by XXXX to address these violations.
Consumer complaint received 2023-08-31
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AL)

I am writing to formally lodge a complaint against Jefferson Capital Systems for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations, which have adversely affected my credit report. 
1. Re-Aging of the Account : does not have accurate payment history data. Per FCRA Section 623 ( a ) ( 5 ), any debt sold to a new owner must use the original Date of First Delinquency ( DOFD ). The seven-year reporting period is based on the original DOFD and can not be reset by the new owner of the debt. This re-aging of the account is a clear violation of FCRA regulations. 
2. Inconsistent Payment History : This discrepancy demonstrates a failure to adhere to FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The inconsistent reporting dates indicate a lack of accurate and reliable information. 
3. Inaccurate Reporting : According to FCRA Section 611 ( a ), I have the right to dispute any information in my file that I believe is inaccurate. The conflicting dates provided by XXXX and XXXX indicate a lack of consistent reporting. Furthermore, as per FCRA and CFPB guidelines, the original XXXX must be used, and this date does not change even if the debt is sold to a new creditor or collection agency. The current reporting fails to reflect this requirement accurately. 
4. Unverified Collection Accounts : I attempted to verify this debt by contacting the collection company, Jefferson Capital Systems, who were unable to verify my account despite providing my social security number. Additionally, the agent hung up on me, which is unacceptable and a violation of my rights under FCRA Section 623 ( a ) ( 8 ), which mandates that furnishers of information must promptly investigate and respond to disputes. This account lacks an accurate payment history and has not been properly verified.

Requested Actions : Immediate correction and removal of the inaccurate information from my credit report. 
Written confirmation of the deletion or correction. 
Investigation into the practices of, Jefferson Capital Systems for these violations.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CCF Intermediate Holdings LLC (MO)

I don't know if this is where I need to report these things but I was turned down by several places for a loan based on my consumer report. There are about 13 addresses and 15 phones numbers associated with my name that I've never even heard of. I need to know how to get these things taken off of there and I want to know where this information comes from.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I requested a debt validation under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) the debt that you claim is disputed and validation is requested. Midland company failed to provide my requested validation and continued to report this fraudulent debt to the credit reporting agencies. I request for them to provide me with all of the following : 1. what is the money the say I owe for. 
2. Explain and show me how they calculated what they say I owe 3. Provide me with all copies of any papers that show I agreed to pay what they say I owe.

4. Identify the original creditor.

5. Provide me with their license numbers and registered agents 6. Provide first date of delinquency with original creditor.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. The following creditor inquiries will need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

These collections popped up on my radar in XXXX of XXXX I have just recently dealt with identity theft back in XXXX. I have no recollection from these accounts. My family has a XXXX XXXX  phone plan that I am apart of. I do not have my own XXXX XXXX plan ever to make them try to take money from me. These collection accounts might have been picked up by these agencies to try to get money from me that I have never owed. They have attempted multiple times to call me and get money from me. I am sick of dealing with the leftover scars from my identity theft in the past. I'm a XXXX XXXX XXXXXXXX member and have been struggling with these collection agencies trying to collect money that I have never owed. Please help me and get them to quit asking me to pay these accounts.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I believe the account is invalid. CREDIT COLLECTION SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CREDIT COLL XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft, back in XXXX XXXX XXXX XXXX XXXX and they stole my identity and identification. 

I have no connection or knowledge with the said accounts. I have done with the police stated and filed the appropriate documentation. I did the identity theft report and the police report so now im coming here. 

please help me this is Fraudulent and damaging my Consumer report.
Consumer complaint received 2024-05-30
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (OR)

I was issued a XXXX XXXX XXXXXXXX XXXX XXXX through my Native corporation for annual distribution of funds from Native land settlement act. 
The card gave me issues from the beginning. 
The 3 digit code on the back was wrong in their system. 
Their app wouldn't let me log in saying too many attempts & my account is locked. 
I left it alone several times & XXXX  back to try again & still after several failed attempts was still denied. When I call the XXXX number it would state my 3 digit code isn't valid when I'd get the automated system. 
I had over {$120.00} in the account frozen from last year 's distribution in the fall. 
I got 2 more deposits early XXXX after requesting it not be sent to the account due to the issues but it wasn't recieved in time. Now I have over {$1000.00} in the account. After going around & around & getting nowhere with the XXXX XXXX XXXX customer service reps I asked for my money to be returned to the original company so they could distribute another payment. They refused & fi ally offered to give me another card to remedy the problem of their system having the wrong XXXX digit code on the back of the card which was never offered before. I even offered to send a Pic of the card front & back to show the information I entered was correct & the I fo they have is wrong for whatever reason. I didn't want to deal with them at all anymore after over 20 calls trying to resolve the issue & them constantly running from accountability including being told I'd get a check within 5-7 business days & that never happened either. It's been over a month now. 
They stated last time I spoke to them it's because I changed my address why they haven't mailed it yet & refuse to acknowledge any wrong doing even refusing to talk as long as they are be recorded which I tried to do to document this circus. Their reviews show similar issues with other customers stating they can't get in the app & being locked out. 
They sent a link for a temp solution & that timed out & never worked either & they say if I wasn't successful woth that option I have to wait 2 weeks or whatever antics they were pulling & just yanking me around. 
I've spent hours & hours on the phone woth them & am over it. I was told to call XXXX XXXX XXXX XXXX days to get a tracking number for the check they were supposed to send to my XXXX XXXX address & they didn't have any answers or solutions other than to keep calling back. I've verified & proven it was me trying to log into my account with exact times & dates & they refuse to remedy this issue & aren't giving me my money. 
Please help
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW and I requested ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) its been over 30 days and I received no response and thats breaking federal law again
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (IL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2024-02-24
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Happy Money, Inc. (CA)

Hello Happy Money, I come in good faith. I do not have any debt belonging to XXXXappy Money. I have requested to remove Happy Money ( Charge Off ) completely off of my credit report with all the credit bureaus ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX  and all other credit bureaus as the next step will be a cease and desist. I have certified documentation from the Secretary of State showing all liens and debts that I have. HAPPY MONEY is not listed as I owe no debt to HAPPY MONEY and XXXX  is inaccurate. Please remove this negative derogatory inaccurate data off of my reports and all XXXX  history totally removed from my credit profile. I have run reports for every address I have lived, and it is showing no results of debt that I am responsible for. I will follow back up in 10-15 days for the updated accounts to reflect accurately.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (NC)

collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 
After you have finished with my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2024-02-05
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. (MO)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within XXXX business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2024-02-04
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. (AZ)

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 U.S.C. 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.