davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

I ordered through Chase gift cards ( {$800.00} in total ) using points on XXXX. They said the cards would arrive XX/XX/XXXX. On XX/XX/XXXX I called because the cards hadnt arrived and was told to call back in a few days ( i.e. give it a few more days ). I called back XX/XX/XXXX and was told the cards had in fact been delivered XX/XX/XXXX ( on a Sunday? ) and they needed to " escalate '' the matter ( open a claim, for which I received a ticket # ). I called back after XXXX and was told the cards were coming through XXXX and received a tracking number. The cards are showing on XXXX that they have not been sent out. The person ( XXXX ) I spoke with today said I would have to open a claim with XXXX. After asking to speak with a supervisor, I waited on hold for quite some time ( not the 40 min. they projected, more like 15-20 ) and spoke with XXXX a supervisor. XXXX was the most indifferent of the lot. I asked for the points to be added back to my card. He said they could resend the cards and the others would be cancelled, but he could not cancel the cards and just put the points back. Then he said he would open an escalation ( no number to provide, though I got one the first time ) and that someone in Marketing would decide if the points could be restored to my account; if not, then the cards would be sent via XXXX (! ) and arrive within 3-5 business days. XXXX epitomized customer no-service.
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management keeps calling me and sending letters threatening to sue me. I've explained to this company multiple times that I do not have any money and XXXX XXXX XXXX is currently handling my debt ( s ). Midland Credit Management insists on contacting & harassing me when ive repeatedly asked them to stop! They are well aware & know to contact XXXX XXXX XXXX pertaining to the debt or any other information that they may seek.
Consumer complaint received 2023-12-06
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 ( 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 2023-06-21
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 ( 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 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-07-15
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (AZ)

In XX/XX/XXXX, I was sent garnishment documents from Gurstel Law Firm regarding a XXXX debt ( File # XXXX, XXXX File : XXXX ). This was a debt submitted for consolidation in the XXXX XXXX XXXX XXXX. As the debt was already in a negotiated payment, there was nothing more to be done at the time. 
In XX/XX/XXXX, I received the " Notice to Discharge and Release Garnishee ''. 
Recently, XX/XX/XXXX, my employer received the same original documents from XXXX, for garnishments for the same case. I submitted the Notice to Discharge to my employer, but the garnishment was still taken. 
How do I recover the ill-taken garnishment? And is there any action I can take against the firm that resubmitted an already settled file to the court?
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/23 I opened a checking account with Bank of America. I signed up with a {$100.00} promotion that required me to receive {$1000.00} in direct deposits into my account within 90 days. On XX/XX/23 I brought my account to {$1800.00}. I waited 60 days after meeting these requirements and still have not received the bonus. When I contacted BoA they said no bonus offer was attached to my account opening and they would not honor the bonus. I believe this to be in error. Below are the bonus requirements 1 ) Enroll in this offer online by using the Open account link on the offer page or by entering the offer code at the time of account opening.

2 ) Set up and receive Qualifying Direct Deposits of {$1000.00} or more to your new personal checking account within ninety ( 90 ) days of account opening.

Offer is available online only and is limited to new personal checking customers only ; you are not eligible for this offer if you were an owner or co-owner of a Bank of America personal checking account within the last twelve ( 12 ) months.

A Qualifying Direct Deposit is a direct deposit of regular monthly income such as your salary, pension or Social Security benefits, which are made by your employer or other payer using account and routing numbers that you provide to them. 
If you meet all of the requirements, Bank of America will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days.

The value of this bonus may constitute taxable income to you. Bank of America may issue an IRS Form 1099 ( or other appropriate form ) to you that reflects the value of such bonus.
Consumer complaint received 2024-05-29
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. (CA)

On XX/XX/year>, I submitted a debt validation request through the CFPB, to XXXX XXXX XXXX, asking them to provide specific documentation to substantiate the debt they claim I owe them. As of today, XXXX XXXX XXXX has failed to provide the necessary documentation as required. The documentation requested included : 1. **A detailed history of payments** made by me on this account, including dates and amounts of each payment.

2. **A copy of the contract or agreement** that bears my signature, which legally obligates me to pay this debt to the original creditor.

3. Information on whether any **insurance claims have been filed** in relation to this debt, and if so, the details of such claims.

4. **Proof of their authority** to collect on this debt, including documentation that establishes the chain of title from the original creditor to their agency. 

XXXX XXXX XXXX only responded with a verification that the debt was owed to the original creditor, which is insufficient and does not meet the requirements of my request. As they have failed to provide the requested documentation, their claim is unverified and invalid. Consequently, this account should not be reflected on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. I am requesting that XXXX conduct an investigation into this matter and immediately remove the XXXX XXXX XXXX account from my credit report due to their failure to validate the debt as required by law.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I made my student loan payment before the due date. My payment was then reversed by Aidvantage. The company then only took a small amount of my payment and rejected the rest. Now they are saying my payment is past due. I paid my full amount on time and they are reversing it on their end which is causing my loans to show as past due.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to formally dispute the presence of a supposed bill on my credit report, which I neither bear responsibility for nor owe, as claimed by the debt collectors. These accounts were fraudulently opened without my consent, thereby violating 15 USC 1602l, as it was utilized without my explicit permission. I demand the immediate removal of this account from my credit report U S DEPT OF EDXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} U S DEPT OF EDXXXXXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance XXXX {$3000.00}
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (VA)

I submitted my application to the XXXX program in XXXX via XXXX XXXX XXXX, well ahead of the loan payment restart. However, my loan servicer ( Edfinancial ) has alleged that they never received the information. As a result, I resubmitted my application directly with them on XX/XX/XXXX and they informed me of my new payment amount verbally. Moreover, they were in the midst of a system change during this period. Since then, I have been diligently reaching out to them, requesting a letter to confirm my new, lower loan payments. 
Regrettably, they have informed me that the letter can only be generated once the information is processed. Given that my home closing is scheduled for this week ( XX/XX/07 ), it is imperative that this issued gets resolved and I expressed the urgency of the matter. Despite speaking with a supervisor last week, who assured me they would expedite the process as an emergency, I have yet to receive any letter or email. If I do not receive the letter confirming the lower payments by tomorrow ( XXXX ), my home closing will be jeopardized. I urgently need an official email/letter from my education loan servicer, stating the new estimated payment amount. 
Attached below are the original correspondence I received from Federal Student Aid in XXXX, as well as the notification from Edfinancial regarding their system change and an email from Edfinancial acknowledging receipt of my XXXX application ( that they claim they didn't receive ). Thank you in advance for your time and consideration.
Consumer complaint received 2024-05-28
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. (NJ)

To Whom It May Concern, I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX XXXX XXXX, and upon reviewing my credit report from TransUnion, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted TransUnion to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (VA)

To Whom It May Concern : SLS has perjured itself in its most recent response. The lien they are trying to collect IS a zombie second mortgage by definition. The attached documentation ( Contact History ) from SLS shows that they have not been in contact with us since XXXX until their most recent push to collect on the XXXX in XXXX. 

Even though SLS informed us that they would restart sending us monthly statements in a letter from XXXX ( Monthly Statements Requirement ), we have not received any monthly statements since XXXX. 

Furthermore, SLS charged off the account in XXXX, but SLS continued to charge interest and fees to the account from XXXX to present. 

Thank you for your time and attention to this matter, XXXX XXXX P.S. If you are the SLS employee reading this letter, you can anonymously report any suspected criminal activity by SLS at XXXX or you may contact the office of the Attorney General of the Commonwealth of Virginia at ( XXXX ) XXXX.
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WV)

The social security number that is on my credit report is not mine also there should be absolutely nobody else on allowed access or have any kind of credit limits of any sort under my name and personal information I have no clue who XXXX is this is some one stealing my identity