davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is XXXX duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXX Bank account ending in XXXX. This is a XXXX late payment posted on XX/XX/2019. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights.

Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This consumer reporting agency is continuing to furnish inaccurate information on my credit report regarding the balance of my XXXX student loan account. The entire balance of my XXXX student loan account has been discharged and forgiven by XXXX, yet this consumer reporting agency continues to disclose a false balance.
Consumer complaint received 2023-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (MA)

Chase either colluded with XXXX XXXX, or failed to investigate an erroneous Charge. 
On XX/XX/2023, I was charged the wrong amount as the posted amount was different than the charged amount on the items Question. 

I provided documentation including photos of the items in question to Chase Bank with the correct amounts posted. 

Chase chose to ignore the photos of the items, and accept the charge as valid in violation of Massachusetts Law. Massachusetts Item Pricing Law requires food and grocery stores to individually price mark most items with the actual selling price. 
Therefore since Chase knew or Should have known, Massachustts price law, I should have been able to reverse this charge.
Consumer complaint received 2023-09-27
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. (MD)

XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-12-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

In XX/XX/2018 I entered into a mortgage contract with XXXX, they are located in XXXX, PA. On XX/XX/2018, XXXX sold my mortgage to XXXX XXXX XXXX XXXX XXXX  . I was not informed of the sale until the end of XX/XX/2018. My XX/XX/XXXX mortgage payment of {$260.00} was already on it's way to XXXX by the time I received notification that Shellpoint was the new mortgage servicing company. XXXX received and kept the {$260.00} instead of giving it to Shellpoint. Shellpoint has called me constantly about the XX/XX/XXXX payment. I have provided Shellpoint with solid proof that I made the payment to XXXX  who received and kept the payment. I called XXXX and asked them why they didn't send the payment to Shellpoint and I was told it was being processed and would be sent to the appropriate people soon. At this time Shellpoint is now harassing me for the payment that XXXX stole from them. My name and phone number has be placed in their robotic debt collection system. 

I have explained to every person at Shellpoint who calls me that I am not delinquent in my payments and that proof has been provided that the XX/XX/XXXX payment of {$260.00} was sent to and kept by XXXX. 


I should not be harassed for a theft committed by someone else. Shellpoint should call XXXX not me.
Consumer complaint received 2023-09-27
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. (FL)

Im writing to your company to report Equifax, XXXX and XXXX on the bases that they are furnishing incorrect information on my report and to complete the dispute process. Im demanding that the following information be deleted from my credit report as referenced in The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( b ) ( i ) ( c- ) ( f ) ( FCRA ). These items were supposed to be deleted no LESS than 4 days after my intial dispute due to their origin in nature ( Identity Theft as stated in US Code 1681 c-2 ). As stated in US Code 16819 ( i ), as investigation must be done to prove the validity of the accuracy of information being reported which has not been done/ The items I need deleted have been listed in the form of a letter sent to all three credit reporting services as of XX/XX/XXXX and again on XX/XX/XXXX. I am a victim of identity theft because I did not authorize these charges or accounts and they have been furnished on my report without my consent or knowledge. I did not make these unauthorized charges or open these fraudulent accounts. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items immediately as it is incorrect and thus hindering me from utilizing my own credit to afford essential expenses for myself and my family. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Consumer complaint received 2024-05-05
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: DISCOVER BANK (TX)

After filing my initial complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, under ID XXXX, I have finally obtained a copy of the 1099-C form for debt cancellation generated by Discover Bank in XXXXXXXX XXXX Despite the issuance of the 1099-C form, Discover Bank has persistently reported the account as a Charge-Off to credit reporting agencies. It is imperative to note that once a 1099-C, Cancellation of Debt form has been issued, the debt can not be classified as charge-off. This is because the issuance of the 1099-C indicates that the creditor has canceled or forgiven the debt, recognizing it as uncollectible. Reporting it as a charge-off after issuing a 1099-C would be inaccurate and misleading. Additionally, the cancelled debt may be considered as income for tax purposes, further emphasizing the importance of accurately reflecting the cancellation of debt reporting. Therefore, it is necessary to rectify this discrepancy promptly. I kindly request that the credit report be updated and corrected to align with IRS Publication 4681 and Publication 605 ( a ) ( 1 ).
Consumer complaint received 2023-12-24
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. (NJ)

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. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 year. 15 U.S.C. 1682 s-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. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case. I told XXXX, XXXX, and Equifax to reinvestigate these total of 3 accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My account was restricted for no apparent reason. When I called Capital One, they said someone would contact me within 7-10 days. I have no idea why the account is restricted or what happened to cause the restriction. When I called in, they all gave me the general run around to wait 7-10 days. I find this extremely abnormal as I am able to call any other credit card company to clear this within hours. There was absolutely no communication from Capital One before they locked my account and there has still been no communication from there.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I was told once I pay in full that yall would remove and delete off all XXXX credit bureaus and I see yall didnt keep yall word but I paid and yall closed the account as paid and closed but yall didnt delete the account
Consumer complaint received 2023-12-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BDF Partners, PC (GA)

Barrett Daffin Frappier Turner & Engel , LLP is a debt collection agency and violated State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress in Georgia and admitted Respondents are exempt from prosecution, " Immunity The CFPA can enforce its authority over the debt-collection attorneys engaged in unlawful activity that is fully consistent with this purpose.

Respondents violated Regulation F, Violation of U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection Bureau, the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ], Georgia Fair Business Practices Act ( FBPA ) and Georgia Collection Laws. 
XXXX XXXX, Defendants communication violated the Federal Debt Collection Practices Act, 15 U.S.C. 1692e. Respondents admitted to violating State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress in Georgia and admitted Respondents are exempt from prosecution, " Immunity ''. Congress did not say lawyer who represent consumers are exempt from prosecution, " Immunity '' Respondent knowing and intentionally published untrue and derogatory information concerning Complainant financial condition, to wit, that Complainant willfully failed or refused to pay his mortgage as agreed with Respondent Client " XXXX ''. Complainant suffered humiliation, and embarrassment when Respondent published false statements about Complainant refused to pay and was in default on his loan, on and about XX/XX/2017, Respondent attempted to collect {$180.00}, XXXX. XXXX that is factual incorrect. 
There is a connection between XXXX XXXX XXXX XXXX XXXX XXXX, Managing Partner, Attorney XXXX XXXX XXXX, Barrett Daffin Frappier Turner & Engel , LLP and XXXX.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Student loan forgiven and received letter from XXXX. When I sign into dept of Ed and XXXX my balance is XXXX. Disputed with all credit bureaus and they send back results showing still have balance of XXXX on my credit report. I need this updated to XXXX balance please.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I spoke to several representatives to understand why synchrony keeps reducing the limits of several of my cards without reasoning. My accounts are well taken care of paid on time and my limit dropped from XXXX to XXXX on a single card alone. They have no valid reason for doing so and in turn have affected my overall credit limits and XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Dear XXXX, I am writing to file a formal complaint regarding the recent reduction of my credit card limit by synchrony bank. I am deeply concerned about this action and believe it to be unfair and unjustified. 

In XXXX, I received a notification from XXXX informing me that my credit limit was reduced from XXXX to XXXX, for several of my synchrony credit cards.This decision has significantly impacted my ability to manage my finances effectively and has caused undue hardship. 

Synchnory bank changed a total of XXXX cards some of which they closed and some the changed my limit to XXXX dollars from XXXX event hough these accounts were in good standing. 

I have been a responsible cardholder with synchrony for several years. consistently making on-time payments and maintaining a good credit score. Therefore, I fail to understand the rationale behind this sudden reduction in my credit limit. 

I request a thorough investigation into the factors that led to this decision and urge you to intervene on my behalf to rectify this situation. I believe that synchnory has not provided adequate justification for their actions, and I deserve transparency and fairness as a consumer. 

Furthermore, I would appreciate prompt resolution of this matter and restoration of my previous credit limit. I rely on my credit card for essential expenses and financial emergencies, and the current limit does not meet my needs. 

Please consider this letter as a formal complaint under your jurisdiction, and I look forward to your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation (MA)

This company closed the account then reopens it again and again. Every since they had my information they have been doing unusual stuff. Also they have violated the time period to respond and they have my information so they keep reopening and closing it.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (DE)

On XX/XX/2022 I received an invitation from Ally Bank to receive a 1 % cash bonus ( up to {$500.00} ) for the deposit for new funds into my Ally Bank Savings Account. I enrolled in the bonus program, received confirmation of enrollment, transfered {$50000.00} to the account, and complied with all conditions listed for the bonus program. However, the promised bonus of {$500.00} has not been paid until now. 

I contacted Ally customer service several times. They provided a reference number, promised to look into the issue but after several months have neither paid the promised bonus nor provied a substantive answer.
Consumer complaint received 2023-11-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (ID)

I have a collection account with Jefferson capital systems for {$1800.00} opened XXXX XXXXXXXX XXXX. The original creditor says XXXX XXXX XXXX. I have disputed the account several times and it keeps coming back as a valid account. I have not had a XXXX account in 5 years. I am XXXX XXXX XXXX XXXX XXXX it is simply impossible for me to have opened this XXXX account. If the charge is actually from XXXX in XXXX, that account is still open and making payments monthly. This debt does not belong to me, I have no knowledge of it. No one has ever contacted me about it, and no one has ever proved the debt to me. It just magically appeared on my credit report. Also, after my second dispute it was removed for about a week and then put back on.
Consumer complaint received 2023-09-28
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 XXXX 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them from my credit report.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX {$5000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$1000.00} Amounts paid to XXXX XXXX ( XXXX XXXX ) for investing. XXXX claimed to be a broker trading on the stock market, trading stocks, commodities, currencies, and indices. They claimed to be based in XXXX. They are not, and were never registered brokers in XXXX or the U.S. where I reside. This is required to be able to provide this service. The platform used for " trading '' was nothing more than a video game not connected to the market in any way, shape, or form. I have submitted all documentation to Citi, but they have denied my dispute saying " they provided trading ''. They sent me a letter saying " this is the last we will say about this ''. They were not submitting my dispute to XXXX, because of other reasons that I am not disputing.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

Resurgent/ LVNV never gave me the opportunity to address the alleged debt or dispute it. It just appeared on my consumer report. I never received written notification about the alleged debt. I didnt receive notice about my rights to dispute. Didnt know about the assignment of debt, when bought, wasnt given a 5 day notice. Know how works dide. Didnt have opp to dispute. I NEVER received notice. If you believe you gave proper notification send the receipt, certified mail with my name and signature. If you cant provide proof, you must delete at first immediate time cant