davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX  Account number ending in XXXX XXXX XXXX XXXX, OH XXXX My XXXX account was transferred from XXXX XXXX to XXXX XXXX  last year. Prior to the transfer I submitted a payment to XXXX XXXX which was evidently not transferred to XXXX. I was unaware that the payment had not transferred until I received something from XXXX. I tried on several occasions to make the payment with XXXX, but their system was not operating correctly, and every telephone call was either dropped or disconnected. Consequently, XXXX reported that my account was late in XX/XX/scrub>XXXX 2023 2023
Consumer complaint received 2024-08-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

The debt collection company failed to contact me with a notice or provide me with XXXX  days to respond to a notice. Upon reviewing my credit profile, I discovered a collection reported by all XXXX  credit reporting agencies without any explanation. I apparently owe {$270.00} to a third-party collection company with whom I have no contract or written consent to share my personal information. This company has reported to the credit bureaus, and I have reported their disregard for the Fair Debt Collection Practices Act, which mandates a XXXX are XXXX response time. Better Business Bureau was contacted Additionally, the collection agency was sent a debt validation letter to comply with a purchase agreement signed contract with my written consent to this debt that Shows validation of this debt.no conversation on the phone, no electronic communication correspondence.
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: EQUIFAX, INC. (TX)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NV)

Last XXXX I rented a car from XXXX XXXX XXXX  using my Citi Bank Credit Card I also purchased the reimbursement program that was offered by Citi Bank. I hit a guard rail and did some minor damage to the car. I called XXXX and they told me to report the damage when I returned the car. I did report the damage and filled out the forms. 
XXXX sent a detailed copy of the damage and submitted it directly to my insurance company. 

I received a letter from XXXX which gave me XXXX business days from the date of the letter, to submit the money covering the difference between what my insurance paid the total bill which amounted to approximately {$1400.00}. Due to the time lag while the letter was in the mail and when I got home to look over the letter, I only had 5 business to respond. The letter stated that, if payment is not received by the due date the claim would be immediately sent to a collection agency. I was not able to collect all the information required by XXXX XXXXXXXX and since it was a reimbursement service I went ahead to paid XXXX directly. I collected all the information required by XXXX  XXXX and put in a note that the reimbursement check should be sent to me directly. XXXX XXXX sent payment directly to XXXX. 
When I was able to find out what had happened, I called XXXX to get them to refund the double payment to me. XXXX acknowledge that they had cashed the second check after the case was closed and marked paid-in-full. The lady I talked with refused to tell me how long it would take to get a check sent out and to whom they would send it. 
After waiting a couple of weeks, I tried to follow what was going on with the payment. I talked with both XXXX and XXXX  XXXX over several months. All claimed that someone else had the money and they would need to reimburse me. 
Finally, a representative stated the check had been sent to Citi Bank Administration and all Citi Bank would need to do is to fall XXXX 's finance department and they would be able to work out any issues that remained. 
Citi Bank has refused to do this, stating that it was my responsibility to get a copy of the check, to whom it was sent, and the date it was cashed. XXXX said that it was the Banks responsibility to contact them, and they could not provide that information to me. 
I would just like to track down where the money is but no one seems willing to help me.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Email : XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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 XXXX5 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX KY XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$970.00} Account Name : XXXX XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$2200.00} Remove Fraudulent Inquiries listed below : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX CAPITAL XXXX, XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, Inquiry, XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX FCRA XXXX XXXX : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX & XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company.
Consumer complaint received 2024-07-27
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. (KY)

Subject : Complaint Regarding Credit Card Transaction Dispute - Request for Resolution Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a recent credit card transaction dispute with Chase. I purchased a first-class upgrade for mXXXX XXXX XXXX XXXX costing XXXX}. Unfortunately, he was downgraded to business class without our consent, which significantly diminished the quality of service we paid for and expected. 

The original flight fare was paid using a different credit card ( XXXX XXXX ). On XX/XX/year>, I contacted Chase to dispute the upgrade fee specifically, under the claim " Did not receive the service which I paid for. '' Despite explaining that this dispute concerned only the upgrade fee and not the original fare, my claim was denied on XX/XX/year>, with the justification that the flight had already taken place. 

I respectfully request your intervention to secure a full refund for the upgrade fee. The service I paid for was not provided, and I believe I am entitled to a refund under these circumstances. Your assistance in this matter is crucial, and I trust the CFPB will ensure a fair resolution. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (OH)

I am writing to formally dispute unauthorized inquiries that are currently appearing on my credit report. Upon reviewing my credit report, I have identified inquiries that I did not authorize or recognize. 

I would like to emphasize that I did not authorize or initiate any credit applications or transactions with the entities associated with these inquiries. Therefore, I believe these inquiries are unauthorized and should be removed from my credit report immediately.
Consumer complaint received 2018-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

I am working with Mortgage company Ditech. A year ago their website stopped working to make online payments. I tried to pay using different, computers, browser engines and I kept getting the same message " UNABLE TO LOCATE ACCOUNT ) on XX/XX/XXXX I called the company and I got no help their only solution was for me to use a different bank to make online payments, that did not work either in XX/XX/XXXX I continued trying to see if there was any fix on the website and I still had the same problem. I called again and their answer was, It is not on our end is on your end do the payments in any other way. I have been paying late fees {$48.00} because every time I use other methods the payment does not arrive on time. I Called on XX/XX/XXXX and the customer service representative did not offer any solutions other than tell me to email customer service, which I have done in the past and no one ever answer the emails or offer any solutions. I am really frustrated and disappointed with this mortgage company. I am paying late fees because of a mistake on their end. The customer service person XXXX told me that they don't have an IT department, so I question if when I enter my bank account my privacy is being protected, if the can't fix this glitch are the accounts Ditech mortgage owners secure from hackers? Why do they advertise make payments online, when that feature does not work? Is this a scam to make mortgage owners pay late fees? 

Thanks
Consumer complaint received 2023-10-26
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (FL)

I was traveling in vacation and my debit card was stolen and was used this is consider fraud this is what i received Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$2900.00} XXXX XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time.

Thanks, Chime Disputes Team
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XX/XX/2023. I disputed inaccurate items on my credit report. On XXXX XXXX, and XXXX sent a notification accusing me of using a credit repair organization to submit my letters, and in fact advised they were not going to investigate my claims, which is a violation of the FCRA. It has been well over 30 days, with no action done, which is another violation. I have attached the letters I have already sent to all 3 credit bureaus. These stall letters they are sending are not responses to the inaccurate information on my credit report.
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CT)

I received a XXXX  XXXX  card from Cash App in the mail to my home address. 
It has a card number, expiration, cvv, and is issued under my name. 
the letter included a QR code which I did NOT scan as I do not want to be a victim of further fraud. 
I did NOT apply for this card. I do NOT have a Cash App account. And I have NEVER used the CASH APP service before. 
I will be destroying this card and extending the locks on my credit reports.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-07-02
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: Experian Information Solutions Inc. (IA)

On XX/XX/year>, somebody opened a dispute against my Experian credit report. I did not open this dispute. I was actually on vacation at the time. 

Later that same day, Experian settled the dispute. Which is suspiciously fast. My credit score was lowered. 

I have contacted Experian twice asking for more information. I've gotten the runaround each time. 

I have contacted Experian twice asking them to remove the dispute and restore my credit score. These requests have been ignored.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (AR)

I noticed on my credit report that I had an alleged debit to Credence Resource Mangment and I asked for documents to valid the debit XX/XX/XXXX and 30 days have now gone by and I have not received a response from the company so under the Fair Debit Collection Practices Act ( FDCPA ). The alleged debit is considered non valid and has to be removed. According to the Supreme Court decided Henson et al. XXXX XXXX XXXX XXXX XXXX, a case that sought an answer to whether a debt buyer must abide by the collection rules outlined in the FDCPA. The Court concluded that the owner of a debt isn't a debt collector under the Act. United States Court of Appeals for the Third Circuit held in Tepper v. Amos Financial, LLC, 898 F.3d 364 ( 3d Cir. 2018 ) that an entity whose principal purpose of business is the collection of any debts is a debt collector for purposes of the FDCPA.

So, this court said that if a business 's principal purpose is debt collection, it must comply with the requirements of the FDCPA, even if the entity owns the debts it collects. ( In XXXX, XXXX also convincingly argued its principal purpose was loan origination, which is different from debt buyers that primarily or exclusively buy and collect defaulted debts. ) In addition, the Consumer Financial Protection Bureau ( CFPB ) issued a final rule amending Regulation F ( 12 C.F.R. 1006 and following ), which implements the FDCPA. The official interpretation to 12 C.F.R. 1006.2 ( i ) of Regulation F says that a debt buyer is not considered a " debt collector '' for the purposes of the FDCPA if ( 1 ) it doesn't collect debts owed or due to another and ( 2 ) doesn't have a business with the principal purpose of collecting debts. Any further action by Credence Resource Mangment will result in a lawsuit. Thank you very much.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XXXX XXXX, 2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. These are the unverified accounts : XXXX XXXX XXXX XXXX  Balance Owed : {$25.00} ; XXXXXXXX  XXXX Balance Owed : {$74000.00}.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account with KOHLS/CAPONE was never late! I have had exceptional payment history witH capital one 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 in those account 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.

KOHLS/CAPONE 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 2024-07-18
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).