davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act, The list of home addresses, and XXXX employers below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish a account without my written consent, or 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$180.00}
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (FL)

XXXX, Experian XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, Experian XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Experian XXXX 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, Experian XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX :, Experian 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 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 XXXXXXXX firms to audit consumer account XXXX XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (TX)

I viewed my credit report and found the new information that was placed back on my report. Called XXXX  and was told Commenity bank was reporting the name that is on my report as XXXX XXXX with the address of XXXX XXXX XXXX and it couldn't be removed even though it was removed before. I have XXXX nam and XXXX address and that is XXXX XXXX at XXXX XXXX XXXX. They should know this because i have an account with them with this information.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I have contacted Citi Bank numerous times regarding an issue with my second check deposit being held for 5 days which was deposited on XX/XX/year> in the amount of {$2000.00}, with the reason given that it is company policy due to my new account. Interestingly, my first check deposit made on XX/XX/year> in the amount of XXXX was made available the following day XX/XX/year>. Despite requesting for expedited processing of my check, I was informed that there was no action that could be taken. Additionally, when I requested to have this policy read or email to me in written form, I was directed to XXXX search the policy because the representative said that it could not be located in writing.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Medical Data Systems, Inc. (VA)

My problem is with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX and XXXX. 
I received a notification from a credit monitoring service that a negative account had been placed in my credit file. I disputed the account with all XXXX major bureaus and sent XXXX a certified letter asking for proof of account ownership. In addition, I have XXXX been notifed of owing this bill prior to it being placed in collections. If it was my bill I would have paid it prior to this. XXXX says XXXX has proven the bill is mine. I have yet to see that proof but i still stand my my statemnt that I would have paid it if I was EVER mailed a copy. I sjhould not have a negative mark on my account.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH 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 my 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 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 XXXX ( 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 2024-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

I applied for a loan and accidently gave my account login information to the loan company which it turn out was trying to scam me, but i alerted usaa federal savings bank before they had a chance to get anything from my account, but they said that since i had been scammed before by an ex girlfriend about XXXX  years ago, that they were closing my account and no longer wanted my business, but they are taking XXXX  days to release my funds to me and because they will not close they account my future checks for the month of XXXX are going there causing me financial hardship as i am already living check to check as i was blown up in XXXX back in XXXX of 2005 and lost my eyesight and recieved the purple XXXX, i tried to explain to them that this is the only funds that i have and i need my money to pay my bills because i do not want to starve to death or lose my house they keep telling something about company policy will not let them release my funds to me.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

Someone paid me money using Chime. The email notification I received said I could claim my money by " use any valid XXXX debit card to claim your money instantly, and securely. '' However, it also gave me the option to open an account. I thought it might be a useful feature to be able to pay people via this method, so I signed up for an account. I went through all the required steps including scanning the front and back of my driver 's license and taking a selfie. 

The next day I get an email saying my account is suspended and that I need top verify my identity. The fact that there was a problem with something I had already done, and before I even got started with the account did not fill me with confidence. So I requested that my application for an account be withdrawn and that my money be paid to me using a valid debit card. 

However, they refused. They said I had to verify my identity again before the suspension on my account be lifted so I could get my money. 

I told them I do not want an account with them and I am certainly not going to verify my identity with them again, just so I can close my account. I certainly do not feel comfortable them having my information if they " lost '' it once before. 

I spent almost XXXX minutes on the phone trying to sort this out before the person hung up on me. This further reinforced my decision that I do not wish to have to deal with this company any more than necessary.
Consumer complaint received 2024-06-29
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

XXXXXXXX XXXX XXXX XXXX ( Comenity Capital Bank ) I received my credit card statement due on XX/XX/2024, with a balance of {$500.00}. I paid it in full ( {$500.00} ) and they received the payment on XX/XX/2024. I made no other purchases. I get another bill now in XXXX due XX/XX/2024, charging me interest of {$8.00}. 
I called them on the phone on XX/XX/2024 ( XXXX ) at XXXXXXXX XXXX. the woman told me that was interest on the {$500.00}. I explained that was not on my statement and they should not have charged me. I ask her how this is legal. She said I should have called someone if I was paying the total amount so I could get a pay off amount. I have never had to deal with something like this before. I feel they were hoping I thought my card was paid off so now they could get a late charge of {$41.00} also. I went to the XXXXXXXX XXXX XXXX XXXX at the XXXX XXXX on XX/XX/2024. I went to customer service, and they said they do not deal with any credit card problems. So I paid the {$8.00} in cash and got my receipt. I just wanted tom make sure they got this payment before they m could charge me a late charge. I will not longer use my XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

XXXX XXXX Charter Communications. 

- XXXX XXXX Charter Communications account for XXXX years with for cable modem Internet service. 
- Acquired XXXX XXXX service in XX/XX/XXXX. 
- Called XXXX XX/XX/XXXX, spoke with agent and requested cancellation of account. At this point, I had disconnected my cable modem and was no longer using XXXX  services. 
- Called XX/XX/XXXX to cancel one more after getting billed again, spoke with agent and requested billing cancellation. 
- Charter / XXXX refunded my credit card that was used for billing. 
XXXX XXXX XXXX XXXXXXXX credited my credit card account for XXXX disputed charges of {$69.00} and {$66.00} - XXXX sold my " debt '' to now XXXX different collection agencies- XXXX XXXX XXXX in XXXX, XXXX XXXX in XX/XX/XXXX, now CBE Group. Each time I dispute the amount, it gets sold again.
Consumer complaint received 2024-06-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Medical data systems has violated my consumer rights. Privacy act of 1976 and HIPAA laws. My information was obtained illegally unauthorized and without my consent. This calls for penalties starting at {$1500.00}. If this collection isnt removed from my report and damage to my credit isnt stopped I will seek litigation to the fullest extent of the law
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (MI)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 my 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 XX/XX/year> 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 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 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Re : Complaint Against J.P. Morgan Chase - Incompetent Handling of Dispute Dear CFPB, I am writing to file a formal consumer protection complaint against J.P. Morgan Chase for their mishandling and outright neglect of a dispute I submitted on XX/XX/scrub> 2024. 

In my dispute, I clearly stated that the services provided were not as described and that I was deeply dissatisfied with the quality. I submitted XXXX pages of supporting documents, including an affidavit from a former employee of the merchant, which substantiated my claims. Despite this, J.P. Morgan Chase has completely ignored my submission. 

Specifically, J.P. Morgan Chase needs to reopen the dispute because they received my documents on XX/XX/scrub> 2024, but did not properly evaluate or consider them. Furthermore, the reason code for my dispute was not updated appropriately. J.P. Morgan Chase has demonstrated a disturbing level of incompetence in addressing my basic requests and in handling the reason for my dispute. 

Their response to my complaint has been supremely disingenuous, and I intend to escalate this matter and continue filing complaints until it is resolved. No consumer should have to endure such a level of incompetence and insincere behavior from a financial institution. 

I demand that J.P. Morgan Chase reopen this dispute as Visa guidelines allow this to happen based on my submissions. According to " Dispute Condition 13.3 : Not as Described or Defective Merchandise/Services '' : Dispute Time Limit : - Before initiating a Dispute, the Issuer must wait 15 calendar days from the date the Cardholder returned or attempted to return the merchandise or cancelled the services.

- A Dispute must be processed within either : - 120 calendar days of either : - The Transaction Processing Date - The date the Cardholder received the merchandise or services - 60 calendar days of the date the Issuer received the first Cardholder notification of the dispute, if both : - There is evidence in the notification of previous ongoing negotiations between the Cardholder and the Merchant to resolve the dispute.

- The negotiations occurred within 120 days of the Transaction Processing Date.

J.P. Morgan Chase has parroted erroneous information in this complaint and failed to thoroughly investigate it. Their response is a disgrace, and I demand better treatment and resolution of my dispute. 

Thank you for your attention to this serious matter. I look forward to a prompt and fair resolution. 

Sincerely
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CashRepublic Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-17
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I received a letter in the mail today about my wages being garnished after a judgement was files against me by Portfolio Recovery Services LLC. I never received notice of a court date or of being sued for any unpaid debt. This debt was bought by them in XXXX  and I was unaware at the time that I had any debt with them previously. I barely make enough to have food as it is, if they are able to take my wages my daughter and I will barely be able to afford to live. Im terrified and angry that these people think its okay to target low-income families for a debt I was not even able to verify.
Consumer complaint received 2024-06-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

I have a HELOC that was recently transferred to Shellpoint Mortgage. The HELOC has a 10 year draw and a 10 repayment period. The payments where suppose to be interest only for the first 10 years and then Principal & Interest thereafter. They are currently showing my payment as a P & I. I have reached out to them several times, XX/XX/2024, XX/XX/2024, XX/XX/2024 and XX/XX/2024. I was advised each time that I would be contacted by someone in 2-3 business days to discuss. I have not received any type of response or correspondence regarding my issue.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account NumberXXXX