davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/2024 a deposit was made into my business checking account in the amount of {$20000.00}. The funds were withdrawn from the clients account on XX/XX/2024. Chase bank issued a hold of ( XXXX ) business days plus ( XXXX ) nonbusiness days making funds available on XX/XX/2024 a unreasonable hold of XXXX total days. On XX/XX/2024 ( XXXX ) business days after funds were received by XXXX I was again told the funds would not be available until XX/XX/2024 on funds Chase bank has in their possession. The employee then began to persuade me to get a credit Card or Line of Credit that would benefit their business and cost my business money. Finally, during this hold period the bank has sent me numerous emails advertising lines of credit or other costly options as a solution.
Consumer complaint received 2023-11-15
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (AZ)

Since XX/XX/XXXX Lexington Law Firm they have been charging me monthly to fix my credit and send letters to the credit reporting companies. {$130.00} per month has been taken from me. I asked to cancel previously and they said there are no notes or calls and I wont be getting refunded. They said they do the work and then charge me for the work each month. They refused to escalate me further and now I am out {$830.00} I am a single mother and I am not currently working this is very frustrating. 
I am an injured party. 
XXXX Lexington Law. All rights reserved. John C. Heath, Attorney at Law, XXXX XXXX  Lexington Law, and of counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Lexington Law FirmXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (IL)

On XX/XX/2023 I was notified via a phone interview with XXXX 's XXXX that, even though I was offered a position, my background check came back as " disrupted ''. XXXX 's XXXX screens candidates through the company " XXXX ''. 

I contacted XXXX as soon as I reviewed the background check and noticed inaccurate information regarding my criminal history. Under " XXXX XXXX '' ( source? ) the following information is incorrect. 

XXXX Level XXXX. XXXX XXXX XXXX. Charges a. Type b. XXXX I spoke with a representative of " XXXX '' to initiate the dispute process. I was given the dispute department 's phone number and a case number ( # XXXX ). The department was closed. I also notified XXXXXXXX XXXX XXXX of the former information.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

They day I got a new card from citibank I paid my debt of {$64.00} but they never took the money from me. Today XXXX XX/XX/2023 I got a letter saying I owe {$93.00} for past due. This is a government card and my military unit did not help me they dragged there feet and now citibank screwed up taking my late fees and now adding more this is not the first time and I feel I'm paying for others mistakes. They should pay me back every cent I paid out of my pocket.
Consumer complaint received 2023-09-10
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. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

THESE COMPANIES ( XXXX, a XXXX, and Transunion ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did XXXX   verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.
Consumer complaint received 2018-05-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WY)

Portfolio Recovery Associates, LLC, sent us a letter dated the XX/XX/XXXX which we received on the XX/XX/XXXX. 
I called them immediately and ask XXXX and ask her what this notice was on. She said that there are two loans that they are trying to collect on. They are both on vehicles. One a XXXX XXXX XXXX, which has XXXX owed and that the last payment was made in XX/XX/XXXX and the other was on a XXXX XXXX XXXX. Which they said the amount due is {$5200.00} and the last payment was made in XX/XX/XXXX also. 
We paid off both of these loans and the amounts they are saying that is due is the original loan amount or more. 
When I told XXXX that I was disputing these accounts, she transferred me to, XXXX, who is operation manager in disputes. I told him that this is fraud and I was disputing these accounts as we paid them off a long time ago. I ask him if this conversation was being recorded and he said yes, I said that is good because I don't owe anything on these accounts. He gave me the email address to dispute them and the mailing address. When I mentioned to XXXX that this is fraud, he said not on Portfolio Recovery Associates, LLC but maybe on XXXX XXXX. 
I checked with my county clerk and received the paperwork where these accounts were paid off. The date was XXXX XX/XX/XXXX. These loans were through my local bank and then XXXX XXXX bought the bank and took it over on the XX/XX/XXXX. I had moved my accounts from XXXX XXXX before this date. 
When I spoke with XXXX at my states office over banking regulations, She said that they have had XXXX XXXX do this in another county in our state.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to file a formal complaint against XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) pertaining to the Capital One account with the number XXXX on my credit report. 

Violations : Failure to conduct a reasonable investigation ( FCRA Section 1681i ).

Reporting inaccurate information ( FCRA Section 1681e ). 
Inaccuracies : Reporting Past Due on a closed Account Balance is incorrect account was charged off for full amount Consumer owes {$0.00} The date open is incorrect Payment History incorrectly reporting Balance updated date incorrect I have previously notified XXXX of these inaccuracies, but despite this, no corrective action has been taken. I believe that their non-compliance with the FCRA has caused significant harm to my creditworthiness.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc. (AZ)

All credit reported data is misleading and incorrect on my credit report please review and contact me. XXXX. Please contact all reported liens for signed contracts by company and said individual. Individual Is constantly being harassed by XXXX XXXXXXXX sent by certain XXXX holders. Sharing personal information is illegal and fraudulent.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MI)

Company 's Response We confirmed you are an authorized user on account ending in XXXX ( previously XXXX and XXXX ). An authorized user is someone allowed to use the account. As an authorized user, you are not liable for the repayment of the account balance, but you are able to charge on the account, request general maintenance, such as an address change, and get balance information. Under Credit Information in the About Our Relationship section of the Cardmember Agreement ( XXXX  ), we advise that we may provide information to the credit reporting agencies about this account in the name of an authorized user. You can view the agreement at chase.com. If you would like to be removed from this account and request the account removed from your credit report, please call the number on the back of the card for further assistance. We deny your request to provide any additional documentation in this matter and we deny your request for compensation.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (HI)

I discovered someone opened a fraudulent account in my name with Chime Bank, and tried to redirect my paychecks to this unauthorized account. 

This is the XXXX Time I've been made aware that someone opened an unauthorized account using my information with Chime. I have asked Chime to close the account, provide me with all the information that was used to open this account, and transaction histories on both accounts, which they have yet to provide. 

After the first account was closed Chike advised me that no one would be able to open an account with my info, but it has happened again. 

THESE " 2ND CHANCE '' banks do not use XXXX and there is no way for anyone to know if fraudulent accounts are being opened. These banks can not be allowed to continue if they are rampantly used to commit fraud. 

The checking account # s in question are : XXXX. XXXX XXXX. XXXX
Consumer complaint received 2015-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XX/XX/2015 our mortgage was paid off in full to Nationstar Mortgage including fees requested to record the deed of Reconveyance ( clear title after satisfaction of loan pay off ). 
To date, after numerous calls and letters to XXXX XXXX, CEO, Nationstar Mortgage, we have not received the Reconveyance. Instead, we have received documents recorded by Nationstar on XXXX/XXXX/15 transferring the ( loan ) property to other entities. On XXXX/XXXX/15, another document was received " Substitution and full Reconveyace '' recorded on XXXX/XXXX/15 from Nationstar to XXXX XXXX XXXX. This is not a reconveyance on behalf of us, nor does the document list the legal description of the property.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

Thank you for providing the validation documents for the debt associated with LVNV FUNDING LLC Account Number : XXXX. 

While I review the documents, I want to make it clear that I dispute the legitimacy of this debt with your company. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors must notify debtors before selling their accounts to collection agencies. Since I did not receive such notification, the validity of this debt being transferred to you is uncertain. 

Furthermore, the fact that I was not informed about the sale of the debt raises concerns about the accuracy of the information on my credit report. Therefore, I demand that you remove the record associated with this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please note that even if the debt itself is valid, you are obligated to remove inaccurate information from my credit report if you can not validate the transfer according to the FDCPA.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX. 

AXXXX 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  has violated my rights. Or 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

I have reviewed my report a few months back and seen there were some things on my report thats not supposed to be there. I am demanding that they be removed from my credit report with all credit bureaus. 

LVNV FUNDING LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have continued to try to have Equifax delete the inaccurate information that the companies are reporting. This has to be the fourth round of letters and some of the information remains unchanged. Charge offs are listed as open and carrying balances. Collection agencies are listed as open and I never had verification of the debts that are appearing.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (VA)

Goldman Sachs or Apple card decreased my credit limit to almost 1/3 of what it used to be. The information they are using to make this decision is not accurate. Legislators designed the CARD Act to protect consumers from unfair and abusive practices by credit card companies. The acts credit card safeguards fall under three broad areas : consumer protections, enhanced consumer disclosures and protections for young consumers. Under the CARD Act I should have been notified 45 days in advance that my credit limit would decrease additionally, I should have also received an adverse action letter about this. However that NEVER happened. I never received my adverse action letter or any form of notification that my credit limit was going to increase, This is discriminatory, and predatory because if they are notyfing others and not me that does not give me a fair deal or fair treatment. Additionally the information they are using to make the decision Is not accurate. The timing of when they made the decision leaves a lot of room for question because the transunion report they are receiving is not accurate. In fact my credit with XXXX is currently frozen b/c i am disputing fraud.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC (CA)

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
BMW FIN SVC XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
Consumer complaint received 2024-05-03
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 (NY)

Discover, You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Upon a recent review of my credit report, I identified discrepancies pertaining to my account under 15 U.S. Code 1666 ( b ), specifically related to billing errors as outlined in subsections ( 4 ) and ( 5 ). It has come to my attention that there are inaccuracies in reflecting payments and computations on my statements.

As per the Fair Credit Billing Act ( FCBA ), I understand that creditors are obligated to provide accurate and timely statements, notifying me at least 21 days in advance. Failure to adhere to this requirement can result in billing errors, specifically in relation to the marking of late payments.

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already sent this letter to the Complaint Portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2018-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX SSN LAST FOUR - XXXX Wakefield & Associates is using an intimidation tactic by placing the medical debts on my credit reports ( XXXX, XXXX  & XXXX ) They have claimed to verify validated the medical debts with just a statement of what they claimed I owe. The Federal Trade Commission says that's NOT enough, I have NO signed contracts with this firm or their client. Therefore I am requesting they remove all 2 tradelines from all 3 credit bureaus with my name and social security number
Consumer complaint received 2023-11-17
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. (MS)

The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft or incorrect reporting. These inquiries are currently being reported by XXXX, Equifax, and XXXX. 

XXXX. XX/XX/2023 XXXX XXXX XXXX. XX/XX/2023 XXXX, XXXX XXXX. XX/XX/2023 XXXX, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.