davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I filed yet another fraud claim with Chase Bank. This time, XXXX claims that I authorised sending {$84.00} to another person XXXX XXXX XXXX XXXX XXXX through my inactive account. I do not know who this person is at all, and I never send money to another person using XXXX. I contacted Chase, and they did a courtesy credit for the full amount back into my account while they investigated the transaction. Then on XX/XX/XXXX, my credited money was missing from my account, and they reversed this fraud charge. I called the claims department about it, and they said that after their investigation, they agreed with XXXX that I had authorised this transaction, which I absolutely did not. My XXXX account showed that no recent transactions had occurred because it has been inactive for many months. Chase said they will not offer any further assistance to settle this issue. Fraud transactions to my XXXX  account have been a recent ongoing problem and Chase has always collaborated with me to resolve all of them until now. This time, they do not believe that I am telling them the truth and are pretty much calling me a liar!
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

I have previously had my closing agent XXXX XXXX XXXX XXXX XXXX, submitt a complaint to the CFPB twice on XX/XX/XXXX and XXXX 2019 about FirstBank Puerto Rico 's mishandling of payoff funds and their refusal to issue a satisfaction of mortgage. I refinanced my property and had my closing agent sent the payoff to payoff my loan on XX/XX/2019, the pay off funds were sent with a note under the additional information to recipient that stated " Loan payoff for loan # XXXX, as of today FirstBank of Puerto Rico refuses to issue a Satisfaction of Mortgage and has now report me to the credit bureau. Following is an explanation of what occurred since the date I refinanced my property. This occurred in XX/XX/2019, as it is common practice by all closing agents my agent called FirstBank Puerto Rico to send the wire after having confirmed the exact amount and received the funds needed to satisfy the loan, for reasons that FirstBank Puerto Rico has still not been able to adequately explain, FirstBank Puerto Rico placed the funds in suspense rather than applying to them to the pay off. FirstBank Puerto Rico has advised that the borrower ( myself ) should have called to explain how the borrower wanted to use the funds. This is a non-sensical explanation as the total amount remitted was the exact amount to pay off the funds and therefore, there was no other place to apply the funds but to the pay off. Also, FirstBank Puerto Rico was fully aware that my closing agent had authorization from me to obtain pay off figures and send the pay off funds Two months after closing and despite having full pay off funds in their suspense account, FirstBank Puerto Rico nonetheless decided to advance funds for the borrower 's insurance. As previously mentioned, we submitted a a CFPB complaint after FirstBank Puerto Rico refused to issue a satisfaction of mortgage as required by Florida Statutes. Instead, yesterday, we received a payoff from FirstBank Puerto Rico wherein it appears that they are no longer accounting for the escrow advance but are charging per diem interest from XX/XX/2019 to date plus unjustifiable charges " recoverable advance balance '', " unpaid late charges '', " payoff letter '', " registered mail '', etc We urge the CFPB to assist in resolving this issue which was created solely by FirstBank Puerto Rico 's incompetence and further ask that CFPB to launch an investigation into FirstBank Puerto Rico 's servicing procedures.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDEN 1 CREDIT UNION, THE (CA)

For a whole year Golden 1 has paid my mortgage on time. This is a recurring payment that I have made through this credit union. 
This month - I was paid a day early XXXX XXXX. I contact customer service at Golden 1 to ensure my mortgage was paid. To my surprise I received a letter that my mortgage was NOT paid. Now XXXX not only late but I have to double my mortgage payment. I do NOT have double {$4300.00} dollars. This caused me great harm and great hardship. 
Golden XXXX made sure other bills were laid but seemed to have missed the one I called to ensure it was paid. I would have had it paid that say but bill pay wouldnt only allow next day - XX/XX/XXXX. Even though funds were available XXXX XXXX XXXX. XXXX months I received an increase Golden 1 continued to show original pay. 
XXXX. When I received my paycheck I never received a text stating it was deposit instead my account was block where I was unable to log in.
Consumer complaint received 2019-09-27
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: Helvey & Associates, Inc., Warsaw, IN Branch (PR)

I have on my credit file report the following account on debt collection- HELVEY AND ASSOCIATES- Collection Agency- Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Original Creditor- XXXX XXXX I have never requested service with those company. This is a fraud.
Consumer complaint received 2024-05-25
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. (NV)

I'm submitting a complaint to inform you that I was a victim of fraudulent activity. To address this, I researched how to remove the fraudulent items from my report and found that I need to visit the Federal Trade Commission at https : //www.ftc.gov to file an identity theft report. Per FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report, reference number XXXX. Please find the attached documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), credit reporting agencies shall remove any items in a consumer 's file identified as resulting from identity theft no later than four business days after receipt.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ Macy 's ] [ XXXX ] XXXX : [ Macy 's ] [ XXXX ] XXXX : [ Macys  ] [ XXXX ]
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC. (CA)

After making my monthly payment in full, I sent in an extra {$50.00} payment on XX/XX/year> via bill pay. On XXXX, Sofi posted the payment as interest. On XXXX I contacted Sofi via chat and asked to please move the payment to principle only. They told me via chat that this was not possible. The only way to make principle only payments was on the due date however their app does not have a principle only or additional principle field. There does not seem to be any reasonable way to make principle only payments with Sofi and pay down the loan sooner
Consumer complaint received 2023-05-07
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: Bread Financial Holdings, Inc. (PA)

this is for COMENITYCB/ZALES credit department In accordance with the fair credit reporting act XXXX  Account number XXXX, COMENITYCB/ZALES has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

I applied for a partial lien release to include 1 acre to adjoining property I am attempting to sell. The overnight package containing application and processing fee was signed for by a representative on XX/XX/19. I complied with all requests for further information. After weeks of being told application was being processed, I was informed on XX/XX/19 application and processing fee was never recieved which was untrue - the check cleared my bank on XX/XX/19. I provided 2nd app. and a copy of the transacted check on XX/XX/19. I was assured my application would be expedited, but as of today XX/XX/19 I was informed it is still being processed. Ditech has had all necessary information since XX/XX/XXXXand has yet to complete the process that I was told should take no longer than 30 days. I am nearing inability to pay for the house I am selling because of negligence on the part of Ditech and no one will return my phone calls regarding this.
Consumer complaint received 2024-07-10
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. (FL)

I RECEIVE AND REVIEW MY CREDIT REPORT FROM EXPERIAN AND NOTICE SOME INQUIRIES THAT IS ON MY CREDIT REPORT THAT ARE NOT RELATED TO ANY OF MY CREDIT ACCOUNT ON MY CREDIT REPORT I NEVER GAVE THIS COMPANIES PERMISSION TO RUN MY CREDIT.
Consumer complaint received 2024-06-04
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. (CO)

XXXX : OPTING OUT OF CREDIT REPORTING FOR SXXXX XXXX ACCOUNT # XXXX I am writing this DEMAND LETTER to FORMALLY OPT OUT of any credit reporting for the account XXXX XXXX  # XXXX on my consumer credit reports. THIS REQUEST IS NOT A VERIFICATION OF ACCOUNT! THIS LETTER AND COMPLAINT ARE SOLELY REGARDING MY LEGAL RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORTS. 
Under the Privacy Act of XXXX ( 5 U.S. Code 552a ), I am REVOKING any power of attorney XXXX Bank had or has regarding my personal, private information. According to 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, as a FEDERALLY PROTECTED CONSUMER, I HAVE THE RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORT. This letter serves as a CLEAR AND CONSPICUOUS NOTICE of my opt-out request. 
As per 12 CFR 1016.7 ( g ), YOU MUST COMPLY with a consumer 's opt-out direction as soon as reasonably practicable after receiving it. Section 12 CFR 1016.7 ( h ) states that a consumer may exercise the right to opt out AT ANY TIME. Additionally, 15 U.S. Code 6802 REQUIRES the company to provide me with an opt-out notice regarding disclosures of personal information, WHICH I HAVE NEVER RECEIVED. 
Under the Consumer Financial Protection Act of XXXX ( 12 U.S. Code 5511 et seq. ), this subchapter and the regulations prescribed are ENFORCED BY THE BUREAU OF CONSUMER FINANCIAL PROTECTION. I am EXERCISING MY RIGHT TO OPT OUT OF ANY REPORTING on my credit report, and XXXX Bank MUST COMPLY as soon as reasonably practicable after receiving this notice. 
Given that XXXX Bank has provided UNREASONABLE MEANS TO OPT OUT, I am submitting this OFFICIAL OPT-OUT LETTER in writing. Additionally, I REQUEST THAT ANY NEGATIVE MARKS related to this account be REMOVED FROM MY CREDIT REPORT until this matter is resolved.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of unauthorized accounts and inquiries.
Consumer complaint received 2024-06-04
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to file a formal complaint against the credit reporting agencies XXXX, XXXX, and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes regarding incorrect and inaccurate information on my credit reports. Despite my diligent efforts to resolve these issues, these agencies have persistently ignored my disputes and failed to remove the erroneous accounts in question. 

The accounts in dispute are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I have submitted multiple disputes to each of these credit reporting agencies, providing detailed explanations and supporting documentation demonstrating that these accounts are inaccurately reported and should be removed. However, my disputes have been repeatedly ignored, and the erroneous information remains on my credit reports. 

This non-compliance is a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation into consumer disputes and correct or delete any information found to be inaccurate or unverifiable. The failure of XXXX, XXXX, and Equifax to adhere to these legal obligations has caused significant harm to my credit standing and financial well-being. 

I am requesting the CFPB 's immediate intervention to ensure that the credit reporting agencies comply with their statutory duties under the FCRA. Specifically, I urge the CFPB to : Investigate the handling of my disputes by XXXX, XXXX, and Equifax. 
Ensure the prompt removal of the disputed accounts ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit reports. 
Impose appropriate sanctions on the credit reporting agencies for their failure to comply with the FCRA. 
Provide a written response outlining the actions taken by the CFPB to address this matter. 
I trust that the CFPB will take this complaint seriously and act swiftly to rectify these violations. I am available to provide any additional information or documentation required to support this complaint. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2023-04-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weinstein & Riley, P.S. (CA)

Approx 3 mos ago ( End of XXXX ) ..I contacted a company who I thought still had my file XXXX credit report showed XXXX bal tried to get title..they informed me that debt had been sold altho I was never notified... was referred to another company & then was referred to a Law firm in XXXX... they NEVER sent me letter they had file ... When I contacted them I kept asking why I was never notified... all the representive said was " You can make an arrangement or I put the vehicle out for Repo now '' ... I felt I had no choice to make an arrangement but they never answer the phone when you call..Have been trying get ahold & only able to leave msgs for over a week..One representative finally called me back... But at XXXX ... And also I am in XXXX & They are in XXXX  XXXX... They claim they are a Law firm ... Weinstein & Riley
Consumer complaint received 2024-07-10
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. (NJ)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-11-08
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: NAVY FEDERAL CREDIT UNION (IL)

On XX/X/17 I went to the XXXX XXXX XXXX ( XXXX IL ) to get eyelash extension. However, services were rendered but everything that was requested was n't done. XXXX install the lashes. I specifically asked for XXXX lashes. She put XXXX lashes on me. I immediately told them I was unhappy and I wanted them removed. They sent me to another Stylist to replace them with XXXX. The next stylist stated that if she was to remove the lashes, by them being newly installed it would remove my real lashes. At that point, I requested a full refund and I was told that they 'll have the district manager to call me. I left to go to my grandmother 's viewing for her XXXX. The district manager XXXX called me and stated that she 'll be willing to give me a full refund. As long as I come back for them to remove their product. Keep in mind stayed there for 4 hours to leave disappointed. The 2nd stylist stated that the new lashes are too new to remove it would pull my real lashes off is why I did n't go back. I felt like I was racially profiled and that was the reason I refused to step foot back in that place. 

Gave Navy Federal my credit card company all this information and they refused to give me my money back after my dispute.
Consumer complaint received 2023-08-08
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: Bread Financial Holdings, Inc. (GA)

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.