davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (WI)

I have 4 negative accounts on my credit report that is not mines. XXXX keep placing them on my credit report after I dispute them under different names but it's the same account with different amounts on each one. I even file a police report for the identity theft. They are using a debt collection agency to help them with the fraudulent information
Consumer complaint received 2024-01-19
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Associates states " We sent our initial notification letter to you on or about XX/XX/2020. We have no record of a request or dispute being received in relation to our initial notification. '' This is in the complaint # XXXX response. Portfolio Recovery I did not receive a notification of this debt collection. What address did you send the notification to? You did not mail the notification to my present or past address. I demand a copy of the notification letter you sent XXXX XXXX for my records. 15 U.S. Code 1692b - Acquisition of location information
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/2023, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

Jetblue ( Barclays ) has not been sending me statements by mail. I told them I want them sent from now on. They refused and said that I agreed to no paper statements and I have to deal with some company I never heard of. I told them NY law and the FCBA both require paper statements upon request and whatever I may have mistakenly said or done in the past I want them going forward and Jetblue repeatedly refused and also refused to have a supervisor respond except by phone ( I said I want a reply in writing and do not want anyone calling ).
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JP Morgan Chase & Co regarding the closure of my checking account, which had a remaining balance of {$4200.00} on XXXXXXXXXXXX XXXX XXXX 

A letter from Chase dated XXXXXXXX XXXX XXXX that I received a couple of weeks later stated they restricted my account and may close it and that the remaining balance in my checking account would be sent to me by mail. However, despite this assurance, I have not received the remaining balance. Subsequent calls to Chase to inquire about the status of my funds have been met with conflicting information and an overall lack of transparency. 

Upon contacting Chase multiple times, I was informed that an investigation was underway to determine the whereabouts of my money. However, during a call on XXXXXXXXXXXX XXXX XXXXXXXX two out of three representatives denied the existence of any investigation and falsely claimed that I had withdrawn {$4200.00} on XX/XX/XXXXXXXX XXXX XXXX I was not able to access my online checking account app since XX/XX/XXXXXXXX XXXX Yet, the last statement I received from Chase dated XX/XX/XXXX, showed a withdrawal of my remaining balance {$4200.00}, which could not have been made by me because I already lost access to the account on XX/XX/XXXX. The third person, identified as the manager, asserted that there was indeed an investigation and that Chase decided to return the funds to the XXXX senders. 

When I requested information about the specific XXXX senders, so I could attempt to recover my money, Chase refused to provide a list and insisted that I involve a lawyer to obtain such details. I find this refusal to share crucial information concerning and believe that I have a right to know the recipients of my funds. 

I also strongly dispute Chase 's claim that my money was returned to XXXX senders, especially given the number of XXXX transactions involved. And if the money was actually sent back to some XXXX senders, which XXXX sender, and it should show up as a separate transaction for each XXXX sender instead of a one-transaction withdrawal of {$4200.00}. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure the prompt return of my {$4200.00}. 

Attached with this complaint are copies of the last statement I received, the letters from Chase, and a detailed record of the phone calls made to Chase and the visits I made to Chase branches to inquire about this since XX/XX/XXXX. I also moved from XXXX XXXX XXXX state during this time and updated my address with Chase to ensure they'd mail the check to the right place. The manager in the last phone call claimed that Chase will not send a check for my remaining balance. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely,
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have recently engaged in a dispute process with XXXX, XXXX, and Equifax concerning certain entries in my credit report. The basis for my dispute lies in the inaccurate reporting and non-compliance with the XXXX standards of the accounts in question. As you may be aware, the XXXX Compliance system, established collaboratively by XXXX, XXXX, Equifax, and XXXX, aims to ensure the precision of consumer credit reports. Regrettably, XXXX, Equifax, and XXXX have not adhered to these established guidelines. 

The rationale behind this dispute pertains to inaccurately reported accounts within my credit history. It has come to my attention that notably ; XXXX, XXXX, and Equifax adherence to the stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. I have diligently attempted to rectify these inaccuracies with XXXX, XXXX, and Equifax 's assistance. Despite the evident misreporting of the accounts, XXXX, XXXX, and Equifax has chosen not to eliminate the adverse entries from my credit report. In support of my claim, I have appended documentation reflecting my communications with XXXX, XXXX, and Equifax, alongside compelling evidence substantiating the imperative removal of these negative accounts. 

I kindly request your appraisal of the furnished evidence, with the aim of facilitating the expeditious removal of the aforementioned negative items from my credit report. Your expertise in this matter would be greatly appreciated.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX balance XXXX account number XXXX this account has been proving to be fraudulently open and the bureaus refuse to remove them I supporting ftc and police reports proving this are fraudulent and the bureaus will not remove this account it says closed and still actively reporting missed payments I dont understand I have the proof its fraudulent they will not remove it
Consumer complaint received 2024-01-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OR)

I received a notice from my credit bureau, XXXX, that there was new activity on my credit report from IC Systems ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ). I received a copy of the report that showed IC Systems is attempting to collect a debt from XXXX for an unpaid cable television bill. I contacted IC Systems ( XXXX ) and they informed me that the XXXX  bill ( Account # XXXX ) was from an address in Florida ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) in the amount of {$1400.00}. I informed the IC System representative that I have never lived in Florida nor have I ever had an account with XXXX, and that this is a fraudulent claim. IC Systems sent me information from XXXX XXXX to file an ID Theft report. The instructions from XXXX XXXX states that XXXX of the steps is to " go to ftc.gov and fill out an incident report with the Federal Trade Commission '', which is what I am doing now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The following creditors and account numbers have no correlation to me. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, And XXXX XXXX XXXX has violated my rights. 



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.

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.

Unethical means of contact - creditors call family members and work places before contacting person on credit report. This values inaccurate and unsure cause of the correct person needed to contact.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (MS)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-01-19
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: LOBEL FINANCIAL CORPORATION (TX)

I have been in a dispute for months with Lobel Financial, they have been adding additional fees and incorrect reporting to an account. They will put negative reporting on your account, and then remove it and then place it back. I have contacted an an attorney who I will be paying to not only deal with that but also the dealership XXXX XXXX who gave me false paperwork implying the vehicle had been serviced regularly and it wasnt and had been driven over XXXX miles and now it cost XXXX to fix the engine.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp. (NC)

I requested a copy from the creditor and realized a lot of fraud and violations under Florida statute and TILA. 
The copy which that United Auto Credit provided is not the sane as the original copy and under Florida statute 520.07 ( 1 ) ( a ) this contract is fraudulent. Eg. Dates incorrect, no signature provided, no TILA disclosures or RISC disclosures which must be provided according to Florida statue 520.07 ( 1 ) ( c ). A finance charge is on the contract which Under USC 15 1605. A down payment of {$2500.00} cash was handed to the dealership.

Company refuses to breakdown finance charges. The seller didn't sign original contract under Florida statue 520.07 ( 1 ) ( a ). Which means they're a number of violations and fraud. I will be taking legal actions against them. Also the I was told the extended warranty was mandatory which Im paying for and wasn't given the option to opt out and was told I have to pay in order to get credit. TILA violation again. The original contract date is XX/XX/23 and UAC has XX/XX/23. Fraud
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

On XX/XX/2018 a medical collection account appeared on my credit report. I called the collection agency and told them that the account was not mine and that is was someone using my identity ... I disputed the account several times with the credit bureaus and also with the creditor ... And they are saying its my account ... the account name and address are different than mine .... please help me i don't want to pay for something i had nothing to do with ... .The balance on the account is {$3400.00} ... i sent dispute letters on XX/XX/2018 and XX/XX/2018 ... I also called the credit bureaus and disputed the account over the phone ....
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX has violated my rights. 

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
Consumer complaint received 2017-03-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

We have had several banks over the years go under or get in trouble and we get sent to a different lender. Some times we pay the payment and then it gets frozen in the other banks account by government and then it takes months to show we paid in the mean time we have proven we made it cause it is on bank statements, yet the new lender would charge us late fees. We went to court over it 2 years ago with XXXX and thought they were to remove the fees move the payments and the new lender was going to lessen the amount since they had increased fees which was not due to anything we had done. Not having a lawyer we could not fight them and so we paid the amount sent to us even though other paperwork we had showed a lessor amount. We would receive foreclose paperwork every month and when I would call they would say disregard it is sent automatically and since we had paid the payment it was no longer actively being pursued. When we asked why our payment was higher than what was agreed upon in court they would give us a comment like taxes went up but when we called clerks office they had not, then it was insurance increase, we called no it was the same. We had a decrease in pay with my husband losing his job after XXXX and being limited to weight he could lift, FMLA ran out and the job let him go saying he could return once his limit increased but they no longer would hold his job. We missed 2 payments I sent in letter saying what had happened and said we would pay those payments over time and we had been, we were paying our monthly payment but we also were getting some late fees each month. We received notice of possible forecloser again so I called again and they said we will cancel it and send out a notice of what was owed to get caught up. When we received it the amount showed XXXX missed payments so I again called. They told me they had declined my last 2 payments and needed to contact XXXX to receive the money. That was for XXXX payments 3 months before. I asked why we had just now been informed and only after I called to find out. XXXX is who sent me a notice I had money to come get not them. We were told we had until XX/XX/XXXX to decide if we wanted to pay the fees of over XXXX and start making payments again or they would proceed with foreclosure yet 3 days later we received court papers for the foreclosure. We want all documents they have to explain all the fees they say we owe and where they got the amount from. Please help us. We did contact a lawyer but they said this was our first step. We have worked so hard over the 10 plus we have been in our home and feel we are being bullied by cooperation. We pay our payments when others just walk away leaving the home we have worked so hard, put our own water lines and electric lines in, did our own XXXX foot driveway, cleared the home site ourselves with a small yard tractor. 
Thank you, XXXX and XXXX
Consumer complaint received 2023-10-03
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (OR)

I reviewed a statement, and as I was looking through the statement I noticed all these fees. Not overdraft fees but like if the amount was declined a fee was assessed not the same amount every time either its like the more money I had in my account to be taken the higher the fee was. I believe they charged me over XXXX dollars in fees in less than 1 year. This is ridiculous I feel like I have been robbed. I am a single mother and can not afford this. I have a print out of these fees in case they try denying it or tamper with my statements in any way. I asked if any of the fees could be reimbursed and they told me no there was noting they could do about it. I think they should be shut down. No wonder there are so many homeless people it is most likely due to these kind of Companies steeling peoples hard earned money.