davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CA)

We were denied a mortgage refinance from Ditech because on one of our Credit Reports was showing an incorrect home with XXXX, We attempted 3 times to get this corrected and with no luck.We asked to remove any/all fraud alerts and ant/all consumer statements. This is why Ditech /XXXX rejected our refinance application. Everything else was good to go.
Consumer complaint received 2024-01-12
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. (NC)

The student loans are currently appearing on my consumer report which violate ; Family Educational Rights and Privacy Act ( FERPA ), 20 U.S. Code 1232g. The privacy act form I signed with XXXX was also violated per 15 U.S. Code 6802 by XXXX sharing my transaction history without my expressed consent to third party companies in the form of " late payments '' appearing on my consumer report.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (TN)

I had an account through Dell Financial Services ( DFS ). I arranged payment of a personal computer and a subscription to XXXX XXXX, with annual renewal. That renewal was due XX/XX/2023. In that time I had a new debit card issued and the renewal payment was missed. The amount for information was {$76.00}. On or about XX/XX/2023 I received a call from an unlisted number. The caller claimed to be with DFS. The caller said i had an overdue debt, and I needed to pay. I asked what debt it was, and they wanted my entire Social Securtity Number to discuss. I declined. I thought this was a scam. I received a letter from Dell Financial Services with an itemized bill indicating the bill was missed. Dell Financial services had also added on {$65.00} of penalties. I called Dell Financial services and told them of the experience. They agreed to cancel the penalties due to the circumstances and I paid the amount owed. In XX/XX/2023, DFS transitioned their credit business to Comeinty Bank. In XXXX XX/XX/2023 i noticed that a negative credit remark had been made against me to all three credit bureaus. It lowered my credit score XXXX points. I called DFS and they stated since Comenity had their credit there was nothing they could do. I should call Comeinty or file a XXXX  complaint. I did. Comenity sent a resolution letter attached. I sent the XXXX  a response to this letter. 
Comenity states that they will not take any action. The penalties were refunded to me out of a courtesy. If I was in the wrong, then they should have never refunded the penalties. At the time I was granted this " courtesy '' refund nothing was mentioned about negative credit remarks. I consider this move a duplicitous action by DFS. At least Comenity did discuss it with me, DFS the account owner at the time refused to take action at all. The XXXX  recommended I file a complaint through this agency in their response to me. 
I consider this a personal offense to my good name and credit rating and I will not have it. I am well aware the chances of DFS and or Comenity Bank retracting this remark are nearly XXXX. However, it is my right to complain and continue to seek a resolution or besmirch DFS and Comenity at every opportunity.
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

PLEASE REMOVE THESE ACCOUNTS, IS NOT MINE XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 2017-12-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

XXXX, the crypto currency, has locked the availability of Etherium after I made a purchase. its been almost a week and, like XXXX of others, i am unable to transfer or trade my currency. They have no customer service so I am left without options. 

thank you
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I recently opened an Amazon XXXX co-branded credit card because of the outstanding benefits consumers enjoy when they use it to shop with Amazon services. Unfortunately, Chase Bank has decided to abruptly and unceremoniously end the relationship and wont even divulge any reasoning or logic behind this business decision. I have always paid the card in full and was never delinquent, so clearly the decision was fiscal, it was personal.

I understand banks have the right to end relationships with customers at any time for any real reason and vice versa. But it seems to me unjust that Chase approved this card to only then revoke it shortly thereafter - this will now negatively impact my otherwise immaculate credit score. I would have rathered you never approved me at all. At a minimum, the bank should give me more information.

It also seems inappropriate, unfair, and maybe discriminatory to block consumers from enjoying these promotional benefits for arbitrary reasons - there is a material loss sustained here as the injured party who can no longer enjoy the 5-6 % cash back bonus that I otherwise would be able to as an avid Amazon shopper , as other consumers freely do.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I have sent registered mail addressed to the Legal department and Investor Relations, which was received on XX/XX/year>. I also sent an email to IR and left a message as well to follow up on my letters that was sent. I " am giving a notice to cure with this email. I will attatched the information that has been sent with my denial of credit letters. I know that on your prospectus report where it states the way our securities are being handled as well as other information explained in my attached letter. I gave you a security on XX/XX/year> and was denied. I know that my security is being sold without my knowledge and consent. I will be getting an bloomberg audit done on my applications, which turned into a security that this company developed a cusip for. I know on your SEC filings its states that you do not sell securities on the market it is against the law. I know my securities has been sold and that is securities fraud, which an audit will prove that. I " am hoping that we can settle this amicably as instructed in my letters that has been sent. I will have no option, but to file a complaint with the SEC and upload my audit report and findings if there is no response by the end of day today. I have sent several emails and called several times no reply back. I sent a notice to cure as well. This is my 1st compliant on the matter and my letters that has been sent is uploaded on this report. I will also do a report with the SEC and arbitration if there is not reply back.The denial was unlawful and discrimination against new applicants, which violate the Equal Credit Opportunity Act. 

Thank You
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (PA)

We deposited XXXXXXXX XXXX XX/XX/XXXX between XXXX - XXXX The ATM had an error and it did not credit our account with said money. 
The ATM directed us to call the XXXX number printed on the ATM receipt but their lines are closed on the weekends so the earliest a claim was made was XX/XX/XXXX, the next businesss day : monday a claim with chase was made XX/XX/XXXX with tracking ID XXXX Chase refused to credit us XXXX of the XXXX after an investigation- of which the methods were not disclosed to us.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have connected XXXX XXXX for two years. I have hired a credit agency to help. XXXX XXXX has continued to report incorrect information to my credit file. When I call to speak with an XXXX XXXX agent, I am told my account is not with their office. They also go on to let me know that they can not look any of my personal information or account because my debit is not with their office. However, XXXX XXXX is reporting that I how over XXXX in student loan debt on my credit file.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank has withheld XXXX dollars and the only internal process to transfer it to me is not viable, so they do not give me the money and do nothing to solve it. 
The events were the following : I opened an account on XXXX, a few days later I deposited a check. 
The account was automatically blocked, I called the bank and after many questions they enabled it again. 
On XXXX the funds were enabled but after a few days the account was closed without me doing anything. 
From there I went to the bank about 5 times and called repeatedly without being able to solve the problem. 
They told me that the only way is to call the issuer of the check to verify it, but when I give them the number, which by the way they already had it in their records because they gave it to me first, they told me that that number does not pass a filter. of their systems and therefore do not communicate with the issuer of the check. 
Also on XXXX when I went to open the new account to deposit the amount, they told me that they were going to send me a new check making me wait more days, since the check did not arrive I went to the bank again and they told me that I was not going to receive a new check, that the only option was to call and that there was no way to return that money to the check issuer. They don't even want to validate it with the person issuing the check by going to the bank in person. 
The issuer of the check does not have other phone numbers, so I have no way to get my money back. 
I did not do anything wrong and I demand my money back as soon as possible and not have to go through this distressing situation and wasting time without the bank 's predisposition. 
They don't want to send me an email with information about it either.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (NY)

I am reaching out to your agency in regards to the accounts mentioned below. I am requesting that these accounts not only be brought up to date regarding all the information that entails, I would also like to obtain documents or contract agreements from the original creditors and/or signed documents that bear my signature as proof that these accounts are in association with me. As a consumer, I am aware of my rights to question the accounts and have them properly investigated, updated or removed. Your inaccurate and incomplete reports are affecting me in negative ways and are in VIOLATION of the FCRA. 

My only complete accurate and full desired reported address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authoruty to retain much less report without infringing my consumer rights.
Consumer complaint received 2024-01-12
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. (CA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-01-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (GA)

I received an email on XX/XX/XXXX from TrueAccord Corp, a debt collector. They state that they are trying to collect a debt that I allegedly owed to XXXX XXXX XXXX XXXX XXXX of whom the original creditor was XXXX XXXX  They claim this debt is from XX/XX/XXXX in the amount of {$460.00}. 

I've do not recall having an account with XXXX and would like to dispute as well as point out that Under O.C.G.A. 9-3-24, debt ( of all types ) have a 6-year statute of limitations for collections. Since this is a debt reported from XXXX and it is now XXXX, that puts TrueAccord in violation for trying to collect on an charge that is no longer within statutes.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the XXXX XXXX. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Revolut Technologies Inc. (CA)

XXXX XXXX XXXX XXXX XXXX  for XXXX XXXXXXXX and {$250.00} XX/XX/XXXX they didn't even notify me for suspicious activity when it is very clear that it wasn't me there were alot of charges for XXXX XXXX  like over 20 transactions yest they didn't block my card but they locked it for a {$20.00} XXXX purchase
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX Account name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name 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 2023-08-22
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX