davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (MD)

There is an account on my credit profile from Radius Global Solutions. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S code 6802. For example, my name, social security number, and date of birth. 
Only a signed contract between I, the consumer and Radius Global Solutions would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I have not received any debt validation notice from Radius Global Solutions as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that Radius Global Solutions has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

To whom it may concern : This is my Second Letter which serves as my formal written request for the investigation of specific items on my credit report.

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), federal law mandates that you conduct a reasonable re investigation within a 30-day period from the date of receiving this notice to determine the accuracy of the disputed information and update its current status or delete the item. I insist on reviewing Verifiable Proof ( comprising hard evidence tracing back to the original creditor, not third-party database verification ) held in your records for the accounts mentioned below. Failure to positively verify these accounts has adversely affected my credit-seeking capabilities. According to the FCRA, unverified accounts must be promptly removed. 

If you are unable to furnish verifiable proof, the accounts listed below must be removed. 

I request immediate verification that the below accounts were NEVER PAID LATE. On These accounts should be reported as PAID AS AGREED, with NO LATE PAYS. or removal of the following accounts : Creditor : Account # : Late Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I have maintained a long-standing business relationship with Chase, and previously with Washington Mutual XXXX for over two decades. In XX/XX/XXXX, I applied for a {$50000.00} line of credit. At the time of application, my Chase accounts held a balance of {$30000.00} to {$40000.00}, with balances occasionally exceeding {$80000.00} in the previous year. My tax returns for the last year reflect approximately {$820000.00} in revenue. 

Despite my extensive history with Chase since XXXX and with Washington Mutual before that, Chase denied my application for a line of credit. The reasons cited were " inadequate cash flow '' and " insufficient age of accounts. '' This decision was made even though my revenue last year was sixteen times greater than the requested line of credit amount, and the line of credit was intended for a legitimate business purpose of expanding into an adjacent industry. 

Additionally, my monthly income last year frequently matched or exceeded the requested line of credit amount. My financial history and business performance demonstrate that our business is a stable and genuine small business, contributing to the backbone of XXXX. 

I am concerned that my denial may be influenced by factors unrelated to my business 's financial health. I am of XXXX  XXXX origin, born in the XXXX, and XXXX. Given the current political climate and frequent news coverage involving the XXXX XXXX and the XXXX XXXX XXXX and the extremely strong anti-Jewish and strong anti-Russian sentiment in the country, I am apprehensive that these factors may have affected the decision.

As a co-owner of a small business in California, I seek equal access to working and expansion capital similar to other businesses in comparable situations. I request a thorough review of my application and reconsideration of the decision based on the merits of my business and financial standing and not on my XXXX origin.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need my claim references # XXXX and # XXXX to be reopened I disagree with y'all decision it is fraudulent I never sent them payment or made the payment and I have contacted cash app support but they don't want them to resolve it for me I want y'all to reopen the two claims or make a new dispute for both claims numbers or reinvestigate or investigation it again or give me a one-time credit for both claims numbers for the full amounts for both claims numbers or send my issue to a supervisor etc. My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Marlette Funding, LLC (OH)

XXXX XXXX  XXXX have bought some of my personal loan and credit card debts. They are a collection agency that are very aggressive from what I understand. But I am currently almost in my second year of my XXXX  XXXX bankruptcy so theres nothing they can do against me. I am asking for this company to contact XXXX credit reporting bureau to let them know these loan and credit card accounts they bought are closed accounts and not open. My XXXX  credit score is being hurt badly by this company that shows my accounts as being open still. When actually these accounts have all been closed as of late XXXX. When I first filed my bankruptcy XXXX  XXXX in XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Credit card or prepaid 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. (TX)

XX/XX/XXXX On XX/XX/XXXX : Spoke with the Fraudulent Department for " Shop Your Way Mastercard '' by Citi Bank and XXXX told me not to make a payment until they had completed their investigation. 
However, I did make a payment on XX/XX/XXXXXXXX  because I received a letter stating that I was still responsible for the payment for statement. 
I am disputing the charges between XX/XX/XXXX to XX/XX/XXXX. My XX/XX/XXXX statement was $ {$940.00} XX/XX/XXXX was {$990.00} and my XX/XX/XXXX was {$7700.00}. 
I have written several letters to " Shop Your Way Mastercard '' Security Fraudulent Department in XXXX XXXX, SD XXXX Case # XXXX I also filed a report with XXXX Police Department, XXXX, Texas : Case # XXXX In addition, I did file a report with the FBI-I never heard from them. 
Lastly, I was contacted by XXXX, XXXX XXXX XXXX, a collection agency for Citi, N.A. Account # XXXX XXXX  Reference # XXXX I have also written to them, XXXX. They said I am still responsible.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS (MD)

XXXX is reporting a Bankruptcy along with bankruptcy account on my credit report. This information does not belong to me and should not be on my credit report. I sent in numerous disputes and return XXXX stated that they verified this fraudulent error information. XXXX also stated that the they used a vendor to verify the fraudulent ERROR BANKRUPTCY. If XXXX would actually do their job. they will see that this is a mistake and that all errors should be removed immediately and blocked so that this does not occur again. Also XXXX claimed to have sent information on the verification but I have not received anything. Also XXXX is requesting a copy of ID ss card and proof address which I already sent. and will attach again.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FMA Alliance, Ltd. (MI)

XXXX XXXX : contacted me by Phone on multiple dates, including : XXXX. XX/XX/year> at XXXX XXXX, A voicemail message was left, but you did not identify who you were and that you were a debt collector attempting to collect debt. I was given only a phone number, This a willful violation of According to the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are legally obligated to clearly identify themselves in any communication with a debtor, meaning they must disclose their name and the collection agency they represent when contacting a consumer, preventing them from misleadingly trying to get the consumer to return calls without understanding the purpose of the contact XXXX. XX/XX/year> at XXXX XXXX. A message was left again with no information other than the name of the business and a phone number. This a willful violation of According to the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are legally obligated to clearly identify themselves in any communication with a debtor, meaning they must disclose their name and the collection agency they represent when contacting a consumer, preventing them from misleadingly trying to get the consumer to return calls without understanding the purpose of the contact XXXX. XX/XX/year> at XXXX XXXX  A message was left again with no information other than the name of the business and a phone number. This a willful violation : According to the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are legally obligated to clearly identify themselves in any communication with a debtor, meaning they must disclose their name and the collection agency they represent when contacting a consumer, preventing them from misleadingly trying to get the consumer to return calls without understanding the purpose of the contact XXXX. On XX/XX/year> at XXXX XXXX  ( XXXX  ) I returned the call to ascertain the nature of your business. I was told that I had to give the last XXXX numbers of my SSN and my birthdate, or you could not give me any information. I did so. However, you did not have my correct address and identified the debt as a debt from XXXX XXXX XXXX. However, you did not have my correct address, which I provided. You did not identify yourself to me until I provided personal information According to the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are legally obligated to clearly identify themselves in any communication with a debtor, meaning they must disclose their name and the collection agency they represent when contacting a consumer, preventing them from misleadingly trying to get the consumer to return calls without understanding the purpose of the contact I saved all of the voicemails, thereby confirming you have violated the Fair Debt Collection Practices Act ( FDCPA ) on multiple occasions.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK (CA)

Received a letter on XX/XX/XXXX from XXXX XXXX ( a low level employee ) from the bank saying my accounts will be closed. No reason given. Trying to get a reason from her reached no conclusion. Account has been in good standing since opening. I believe this is discriminatory practices because she and the bank refuse to provide detailed information. And refuse to talk to me. Predatory practices like this should not be allowed.
Consumer complaint received 2024-07-09
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: JPMORGAN CHASE & CO. (TX)

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 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

To Whom It May Concern, I am filing this complaint regarding an unresolved issue with the {$200.00} cash back offer that was presented to me when I applied for the Venmo Credit Card in XX/XX/year>. The terms of the offer indicated that I would be eligible to receive {$200.00} in cash back if I spent {$1000.00} or more within XXXX months of account opening. 

Although I have not yet used the card, I recently contacted Synchrony Bank, the institution managing Venmo Credit Card accounts, to confirm the details of the offer. During this call, I spoke with a representative named XXXX, who informed me that he could not view any offers associated with my account. XXXX also stated that he would open an investigation into the matter. 

I am seeking clarification on why the {$200.00} cash back offer is not recognized by Synchrony Bank and assurance that the promotion will be applied to my account once I meet the spending requirement. I feel that the terms of the offer were misleading, and I would like assistance in ensuring that Venmo and Synchrony Bank honor the promotion as advertised. 

Here are the relevant details : Date of account opening : XX/XX/year> Offer details : {$200.00} cash back after spending {$1000.00} or more within XXXX months of account opening Account usage : No transactions made yet I am requesting that Consumer Financial Protection Bureau investigate this matter to help ensure that Venmo and Synchrony Bank comply with the original terms of their promotion. 

Thank you for your attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2024-05-22
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. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO Bank, N.A. (FL)

What Happened : Around the end of XXXXbeginning of XX/XX/year>, I attempted to open a business checking account with BMO as a sole proprietor. I reached a screen requesting documentation typically required for incorporated entities, which seemed unusual for a sole proprietor account. Assuming this was an error, I did not complete the application and exited the process. 

I then successfully opened a different account under an LLC, for which I had the required documentation. I believed I had only opened one account. However, I later received two debit cards : one for the LLC account, which I expected, and another for the sole proprietor account, which I did not fully complete.

When I called BMO to close the sole proprietor account, a representative informed me that closing the account within 90 days would incur a {$50.00} fee, as outlined in their business checking product disclosure. I argued that since I had not fully completed the account opening process by submitting documentation, it was inappropriate to consider the account open and charge a fee for closing it. 

Despite my explanation, the representative suggested maintaining a XXXX balance to avoid monthly fees until the account auto-closed due to inactivity. This seemed unreasonable because the account closing fee was still applicable within 90 days of account opening, regardless of activity. 

I believe this situation resulted from a bank error, as I did not intend to open the sole proprietor account. The bank should have acknowledged the issue and waived the {$50.00} account closing fee without requiring me to navigate this workaround. 

Actions Taken : Contacted BMO to clarify the situation and attempted to close the unintended sole proprietor account. 
Was informed of the {$50.00} closing fee and advised to maintain a XXXX balance to avoid fees.
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (TX)

On Saturday, XX/XX/XXXX, I filed a complaint with Equifax to dispute an old entry still being on my credit report after the account had been paid and closed for over XXXX years. The entry is : XXXX XXXX, which was closed, in good standing, in XXXX XXXX XXXX ... .over XXXX years ago ... .and should have been removed in XXXX XXXX XXXX. This was at least my third request to have this entry removed since XXXX and Equifax continually refuses to remove it. On XX/XX/XXXX, I received a letter from Equifax, where they for the third time, REFUSED to remove the old and obsolete entry from my credit report. Also, I requested that a second entry be removed, which Equifax also refused to remove. An erroneous employment history reported on XX/XX/XXXX ... .I have never been employed by XXXX XXXX XXXX XXXX .and I have never heard of this company. Equifax is the most dishonest and corrupt reporting agency that consumers have to deal with. Surely there is something that the government can do to change this.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I sent a certified letter to Equifax to update incorrect information on my credit report. I sent two forms of identification, and a typed letter for readability, but received a response from Equifax that they can't locate my credit file. 

They also stated that my documents were illegible. While I sent the same documents to the other credit reporting agencies and they updated my personal information just fine. 

I am going to include the letter in question here.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TN)

This account is invalid. BEST BUY/CBNA 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 items then I require the account to be removed from my credit & their records. 

BEST BUY/CBNA XXXX
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (VA)

My husband was scammed. He was tricked by someone impersonating someone we know into sending them money {$1000.00} total ( two {$500.00} transactions ). The scammer hacked our friend 's XXXX account who posted a car for sale. We were quick to pay the money she asked as we trusted her.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (OH)

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 2024-06-14
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. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.