davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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: SOUTHSTATE CORPORATION (SC)

In XXXX of this year, I applied for a deferment on my monthly mortgage payments ( {$1000.00} ) due to a short-term XXXX hardship. I had XXXX XXXXXXXX on XX/XX/2024, with a XXXX to XXXX weeks recovery period. As requested by South State Bank, all documents required for a deferment were filled out and submitted in a timely manner. 
I was denied my request. I appealed the denial and was later denied again. During this whole process, I have been given conflicting and inaccurate information by the XXXX XXXX XXXX Loss Mitigation department. For example, I was told by a representative of the Loss Mitigations support department to request a second appeal by explaining discrepancies in the XXXX date and my return-to-work date. I later found out that the rejection of my appeal had nothing to do with the XXXX and back-to-work discrepancies, but it was due to my paperwork had not been sent in a timely manner. 
During this time, I have had another injury when tearing the XXXX around my XXXX XXXX which added up to another XXXX-weeks recovery on top of the XXXX weeks recovery from my XXXX. I have not even been able to relay this information to South States Loss Mitigation department because I have not been able to resolve the first request. 
From the very onset of this process, I have been asked to submit the same paperwork repeatedly, I been getting statements sent to me regarding foreclosure from the beginning, I have been provided inaccurate information, late payments have been reported on my credit report and I have been receiving calls repeatedly to my home by their collections department. I the meantime, I am now XXXX months behind going on XXXX months on my mortgage payments with no resolution in sight.
Consumer complaint received 2024-04-16
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. (LA)

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 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 and 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

After reviewing my credit profile, I found errors in the personal information section. I contacted the credit company on XX/XX/XXXX and XX/XX/year>, and provided documentation including my passport, Social Security card, cable bill, and California driver 's license to correct these errors. Despite this, the inaccuracies still exist, and as a result, I was denied approval for an account due to the outdated information.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

Discover is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX  15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report should not include information solely regarding transactions or experiences ( payment history, charge-off status ) between the consumer ( myself ) and the person ( Discover ) making the report. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that a person ( Discover ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Discover can not collect on a discharged debt. This is considered a certificate of indebtedness per the IRS, and income can not be reported. The IRS defines a charge-off as Gross or Ordinary income, which is not reported on the consumer report, making the reporting of this account inaccurate. This is unsatisfactory! 

Discover has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In Discover 's terms and conditions, they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not affiliates of Discover nor are they " bureaus ''. The only true credit bureau is the CFPB, and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy, and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I, the consumer, may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-04-16
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (MI)

I did not get the replacement card on the account when it was sold to Continental Finance, and then I got a text that I owed money on the card, which had been paid off. I couldn't go online to pay because I didn't have the new card to set up the online billpay. So, I got the phone number and paid the amount due ( {$10.00} ) plus a penalty for paying by phone ( {$5.00} ). I asked the person to cancel the card at that point since it was then paid off and she said she did. 

Now I got another text that I have a payment due. I reached out to see why I have a payment due when I paid it off and canceled it and they said I will continue to have maintenance fees due, even though I canceled the card. 

This is what the person keeps repeating in the chat : " No. Terms of your cardholder agreement remain in effect until the balance is paid in full such as making the minimum due payment each month. Interest and monthly maintenance fees will be billed on the account until the balance is satisfied. '' This is a circular argument that means I will never be able to cancel the card if they can just add another " maintenance fee '' on a card that had a XXXX balance and then claim that I can't cancel it since there's a {$10.00} payment due. On top of that, they tack on a {$5.00} fee to pay by phone ( since I don't have the card to make an online account to pay it ). 

This was an excellent card until Continental Finance bought it. Now it is garbage.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

For the past 3 months Midland Collection ( MCM ) has called me every single morning. 
It is coming close to the statue of limitation and they are harrasing me every single morning. I block their numbers but they call from a different number every morning.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bridge IT, Inc. (AZ)

This company claims they advanced me {$51.00} in XXXX. I let them know that I dispute the charge and do not know them, due to identity theft. 
I asked them to send me anything regarding me or money they think I owe to my house as is my right as a victim of id theft. In response I got a collection email. 
I sent them back a more pointed email asking for the same thing and telling them that they are violating the FDCA, and Sent them a notice to furnishers with their rights and mine. 
I also copied CFPB, FTC, XXXX, XXXX, and XXXX on my second email. 
I just got their response, another collection email. 
XXXX and XXXX have been emailing me multiple times a day with the same message since XXXX. I didn't see all of these emails because they were going yo my junk folder... where they belong. 
They have no provided a single piece of what I've asked them for and I've let them know a few times now that they are violating thr FDCA.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NJ)

I made security deposit with XXXX XXXX XXXX XXXX for XXXX card after missing several payment bank refused to accept payments never refunded security deposit and turned over account to collection agency illegally reporting as unsecured credit on my credit report with bogus fees equal to {$600.00} refused to correct illegal reporting or return my security deposit and continues to illegally report this on my credit report I want them to delete the account from my credit report they never lost any money since security deposit was equal to amount if credit they issued itsxa scam they run with collection agencies. Delete this account for XXXX secured card from my account the amount is incorrect and its secured not unsecured card they are reporting illegally through several collection agencies conspired with them XXXX XXXX midland and some other collection agency I cant recall
Consumer complaint received 2024-04-16
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. (MI)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI [ XXXX ] Last XXXX of XXXX : XXXX Credit Bureau : XXXX, XXXX, and Experian RE : Reinsertion of unverified accounts To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, I disputed accounts reported by XXXX, XXXX, and Experian in the file you maintain under my Social Security number. 

I was informed on XXXX, XX/XX/XXXX, XX/XX/XXXX that the negative item ( XXXX ) were deleted from my credit report. Now I have discovered that the items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, MI XXXX Unit XXXX DL number : XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Consumer complaint received 2024-04-16
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. (TX)

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 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I got a legitimate text from Chime banking that said they stopped a suspected fraudulent purchase on XXXX, and wanted to know if it was me. The charge was {$12.00} for XXXX XXXX XXXX ' on XX/XX/2024. I called XX/XX/2024 immediately when I saw the message from the bank. The charge was fraudulent, it was not me, I did not make the purchase, my account had been compromised. I called them and the woman on the phone asked me what the problem was, before taking any information that can lead her to my account. She seemed to not understand her job, stuttered at me a lot, and refused to issue me a new debit card. Legally, if my account was compromised they are required to issue me a new card. Her reasoning was that the card was not " lost or damaged '' so there was no need for me to have a new card. Infuriating. Someone is trying to take my money and they are trying to let it happen. Please help me as they think this is a game. She asked me a lot of questions, like if I had allowed the card out of my possession. She left me on hold to get a manager and I was so upset I hung up and tried to take care of the problem myself, since she was incompetent.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Phoenix Recovery Group (TX)

I spoke to the property manager and he agreed the statement was incorrect and acted like he had no knowledge of the bill but when confronted he said because he no longer works for the company there was nothing he can do. This account is fraudulent with errors on mail keys I turned in this information is inaccurate it is my right to have this account removed due to error FCRA law 15 USC 1681 this is not acceptable and needs to be removed immediately I can provide email to the property manager I have proof where I reached out.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

My complaint is that there is a billing error. Per the back of my billing statement it says in the CREDIT BALANCES section says if your account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. ( Which clearly says it's money owed to Me ) You may make charges against this amount if your account is open. We will send you a refund of any remaining balance of {$1.00} or more after XXXX months, or as otherwise required by applicable law, or upon request made to the address in the contact us section on page XXXX of your billing statement. So this means that the {$8500.00} actually is owed to me per there own policy. Because I'm the main investor over this charge card. Account ending in XXXX with Discover Bank
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

I am writing in response to your letter dated XX/XX/XXXX, wherein you mentioned unsuccessful investigation attempts with XXXX XXXX. I have attached details for contacting my local XXXX XXXX  branch manager, who conducted an independent investigation and confirmed the information in their ( XXXX  fraud departments ) letter. Kindly reopen the case, verify the provided documentation, and utilize the attached contact information for the branch manager. I prefer written communication via CFPB and request no further phone contact. I will pursue damages, including identity theft and negligent accounts, if not resolved promptly. Thank you, These accounts are not mine, they are identity theft. I've never had a XXXX  XXXX  and Idk who opened these accounts. Chase has failed to provide proof i received cards, address didn't exist on date chase claimed accounts were opened in XXXX, address is new construction home in XXXXChase also failed to validate the documentation proving I've never had a XXXX XXXX  which someone paid these cards. Chase can not validate anything must remove by law. I will continue to pursue this
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TN)

I deposited a 3 large stacks of cash, the ATM took the first stack and deposited it. When it came to the second stack the ATM crashed and said error I then went inside to deposit the 3rd stack of cash. I let the teller know what had happened and they said they submitted a claim and that they would reach back out in 48hrs. It has been weeks with no call or anything.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-29
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. (NV)

I was in XXXX de XXXX XXXX on XX/XX/24 and at around XXXX I lost my card but was no aware. In the morning I noticed a charge from a XXXX XXXX for {$960.00} USD amongst other smaller charges {$36.00}, {$38.00}, {$60.00} {$12.00} and {$2.00}. When I talked to Chase Bank I told them the XXXX charge I did on the card was the XXXX charge which is where I lost my card. I did not get a letter on my portal as they said I did and they re-charged me for everything stating that because there was charges that did not mention that were made after the charges that I reported which is not true I did not have the card on me. I don't understand how they can charge me if the pin was not entered and obviously I did not sign for those charges.