davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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. (CO)

I made a purchase online from XXXX for an item to be shipped to my home address. The item was shipped via USPS to my address. On the day the tracking number was shown as being delivered, I went to collect my package. No package was found at the mailboxes, around the property, or by neighbors. I disputed this charge with USPS to no avail based on the driver marking this package as delivered. There are no photos to show proof of delivery, and no signatures collected for the delivery. XXXX XXXX states in their order confirmation that any delays or lost packages should be disputed with the carrier company. I could not find any information on XXXX XXXX help FAQ to indicate I could resolve lost packages with the company directly. I took to Chase to dispute the charges. XXXX XXXX in their response to the Chase inquiry about the dispute, argued that this charge was valid based on the USPS tracking. I counter argued this point that there is no physical proof of delivery, and sent that response back to Chase. Chase concluded because I couldn't prove I didn't have the item except for lack of owning it, I must pay the {$180.00} for the product. Per FTC, I am not financially liable for a product I never received, and seek compensation for the full product amount.
Consumer complaint received 2023-09-20
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. (SC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a balance by XXXX pertaining to my charged-off secured credit card account, with account number XXXX. I want to bring to your attention the concerning discrepancy in the reported balance and the true nature of this secured credit card account. 

It has come to my attention that XXXX inaccurately reported a balance of {$210.00} for my charged-off secured credit card, despite the fact that this account was initiated as a secured credit card with an accompanying deposit. I would like to emphasize that at the inception of this account, I made a deposit as per the terms and conditions of a secured credit card agreement. The remaining balance should have reflected not only the deposit I made but also the funds that XXXX retained in accordance with the terms of the contract. 

I hereby request that XXXX provide authentic and verifiable documentation of the original debt and the associated contract that clearly outlines the deposit I made and the terms governing the retention of a portion of my funds. It is imperative that XXXX presents accurate and conclusive proof of the financial arrangement that was established at the outset of this secured credit card account. 

In the event that XXXX is unable to produce the requested documentation that supports the reported balance and the terms of our agreement, I insist that this inaccurate reporting be promptly removed from my credit report. It is of paramount importance that my credit history accurately reflects the true nature of this account and the financial obligations associated with it. 

I appreciate your prompt attention to this matter and kindly request that you initiate an investigation into this discrepancy. I believe that the CFPB 's intervention will play a pivotal role in ensuring fair and accurate reporting practices by financial institutions. 

Thank you for your consideration and assistance in resolving this matter. I look forward to your timely response. You can reach me at [ email address ] or [ phone number ] should you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I strongly urge you to address this error and clear me of any responsibility promptly. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On several dates I requested the proper adjudication of multiple claims. 
-Several claims were mishandled and not completed as advised. 
-On XX/XX/XXXX BOA Claims Mgr advised I would receive my funds returned to me via check from XXXX claim amounts : {$190.00} {$48.00} {$48.00} {$48.00} {$22.00} -BOA has not disbursed issued my deposit funds after account closure. 
-Claims were not processed or resolved in the proper time frame per California State guidelines. 
-BOA is in violation of the claims adjudication time frame. They keep reopening claims as stall tactics. 
-Claims were not filed correctly resulting in an erroneous denial. Even though proof was provided. 
-On XX/XX/XXXX and XX/XX/XXXX I provided multiple faxed documents requested by BOA to local Bank Center . Was advised claim would be resolved within week. It has been over a month in addition to the the original filing date. 
-Ive made several calls with an Attorney conferenced on the call when Ive spoken with ALL agents. Misinformation, false information, harassment, discrimination and retaliation was witnessed by Legal counsel and BOA employees who were also conferenced on the calls.

-Unethical bank practices -Failure to properly authenticate account when conferenced with a 3rd party merchant. XX/XX/XXXX -On XXXX XXXX XXXX XXXX ( merchant ) was conferenced on call with myself and BOA Supervisor. Sup did not follow proper 3rd party call, she heard the merchant advise they could not honor purchased voucher and to get refund from XXXX XXXX XXXX had violated the agreement between those two. Sup did not document any information, she did not reopen claim as she advised she would and call was dropped and BOA Supervisor did not call back. 
-I specifically requested phone only contact due to my XXXX in presence of my legal counsel. BOA refused to honor that request. 
-BOA claimed they did have Mgt available - On XX/XX/XXXX -I contacted BOA XXXX  times, was passed around, refused service and was spoken to and treated horribly. In addition I had to file multiple formal complaints over multiple days : Complaint ID XXXX XXXX XXXX XXXX XXXX ID XXXX NO mail only XXXX XXXX ID disconnect complaint frm XX/XX/XXXX Req XXXX Belligerent employee ref esc XXXX Acct not authenticated XXXX BOA has violated my Consumer Rights as well as my Privacy Rights. They are in violation of the FOIA Freedom of Information Act.

I am interested in pursuing legal action.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-02-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Andrews & Cox, P.C. (KY)

On XX/XX/XXXX I was served with a legal complaint, electronically filed by Bleeker, Brodey & Andrews, on behalf of XXXX XXXX XXXX, to recover an alleged debt which I believed to have been paid. I began receiving " service '' of purported court filings from Bleeker, Brodey & Andrews as early as XX/XX/XXXX, and possibly earlier. The documents were styled as court filings, titled, " Plaintiff 's Notice of Electronic Service, '' and electronically signed by the same attorneys who electronically filed the complaint I was served with on XX/XX/XXXX. In fact, I received one of these exact notices as an attachment to said complaint. 
Upon receiving the first Notice in XXXX of XXXX, and the second in XX/XX/XXXX, I used the online public search function through XXXX XXXX XXXX XXXX to search for the legal action taken against me by XXXX. I was unable to find any such action either time, which I now know is because no such legal action had been taken. This, coupled with the fact that I believed this debt was paid, led me to believe the notices must be a scam. What was the purpose of mailing fake legal filings to me, if not to mislead? Both the creditor and its counsel are obviously predatory debt collectors. 
I have included a copy of the Notice received with the complaint so that you can see what it looks like. Again, this is the exact same notice I began receiving in at least XX/XX/XXXX. It's obviously intended to make the recipient believe that legal action has already been filed against them.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (MD)

On XX/XX/2023, I opened a new M & T Bank account online. I was given my new account number and was allowed to enroll in online banking. A few days later, I started to get emails saying my online banking was locked and my paperless statements had been turned off, and the debit card I received could not be activated. I could no longer log in online, and was directed to call a toll-free number at M & T, which I did. The person I spoke with, who was very rude, told me my account had been closed with no explanation. I asked why and he told me there was no information. I asked if a letter would be mailed and he said it would, but when I pressed for specifics about when a letter was/would be mailed he would not provide any further information. I have waited over 2 weeks for a letter explaining why this account was closed 4 days after I opened it, before I had made any activity on the account whatsoever, but I have not received any further info from M & T bank. if M & T Bank closed my account, they are legally obligated to tell me why it was closed, what information source they used to deny me opening an account, and tell me how I can get a copy of whatever consumer report they used to take adverse action against me.
Consumer complaint received 2024-06-26
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. (SC)

I recently read over my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on a payment Ive attached a copy of my report to this complaint on the following date ; XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I sent the attached letter to Capital One. I also called to try to resolve the issue. When COVID-19 forced the closing of my employer in XXXX of 2020, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. She said that, for three months, no late information would be reported on the card. I then called XXXX XXXX XXXX to set up this account with a payment plan. Capital One refused to work with XXXX despite their attempts to pay the bill, despite what they told me over the phone. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling and with XXXX calling , and 4 ) shows payments which were not applied to my account.
Consumer complaint received 2024-03-01
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. (NY)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : 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 2023-12-19
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: CITIBANK, N.A. (MS)

I purchased an online mentoring class with a specific person from XXXX XXXX on XX/XX/XXXX from his XXXX account. When, I purchased the class, the merchant gave me a ebook and XXXX number to the assistant and said he will help to mentor me. I didnt receive anything else. I did not get any mentoring from the specific person as advertised in his XXXX XXXX thing he gave me was his Ebook which is not helpful. Plus, I didnt get a response from his XXXX. I filed a dispute with Citi on XX/XX/XXXX. They opened it and asked for additional information in XX/XX/XXXX and asked to complete it by XX/XX/XXXX. I was not able to respond by XX/XX/XXXX as I didnt check my email or mail as I went out of town for a work travel. When I came back I realized Citi completed their investigation and it was against my favor. I called them to allow me to reopen the case and give me chance to add my additional information. They simply refused and asked me to contact merchant. Merchant is not responding to me
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

The following corporations XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX  are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX  must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX  to be included in your consumer credit report
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/2023 was not opened by me, its a result of Identy theft I have never done business or acquired their services. Ive already disputed several times with credit bureaus, submitted ftc reports, police reports, identification, and address verification. I last requested verification to prove I opened the account nothing was provided to this day.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Federal Credit Reporting Act the following creditors have violated my rights : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CAPITAL ONE AUTO FINANCE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.Code 1681 Section 602 states I have the right to privacy. 15 U.S.Code 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.Code 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp. (FL)

The following corporations Absolute Resolution, XXXX XXXX  XXXX, and XXXX XXXX  are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. Absolute Resolution, XXXX XXXX  XXXX, and XXXX XXXX  must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as Absolute Resolution, XXXX XXXX XXXX and XXXX XXXX  themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX  to be included in your consumer credit report
Consumer complaint received 2024-05-12
Product: Credit reporting 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. (TN)

Filed an Federal Trade Commission Report ( FTC Report # XXXX ) and send it to Equifax and XXXX. 

The report states to please remove the following hard inquiries as they are fraudulent. 

Equifax 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Past Due Amount {$3600.00} XXXX 1 ) XXXX XXXX  XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  XXXX 4 ) XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX Please Remove the following account because it was fraudently applied for XXXX High balance {$3000.00} Opened XXXX XXXX XXXX  XXXX High Balance {$1700.00} Opened XX/XX/ XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I voluntarily gave the car back. Told them to pick up the car from another dealership twice. They still never got the car and they froze my payments. Then out of no where decided to mark me as late payments or missing payments when I no longer have the car in my possession.