davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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 provided Equifax will all requested documents for my identity theft case and unlike the other XXXX credit bureaus they continue to refuse to remove fraudulent information from my credit report. I have provided an FTC identity theft report, a police report affidavit and all identity verification documents that are required. This is in regard to the fraudulent account opened in my name with XXXX XXXX. XXXX complied with the requests and the law but Equifax is refusing to do so. Equifax is in violation of the Fair Credit Reporting Act in continuing to not remove a fraudulent account from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 

As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. Conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. 

Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616. I will be seeking these damages against Equifax if this fraudulent account information is not removed from my credit report immediately.
Consumer complaint received 2023-04-02
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 — Was not notified of investigation status or results
Company: Self Financial Inc. (AL)

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Cooling & Winter LLC (GA)

COMPLAINT I received a letter from the company ( lXXXX XXXX actually ) on XX/XX/XXXX, dated XX/XX/XXXX, stating that I had not made my regular, and that I had 10 days to make the payment, even though I have just received the letter 11 days later on XX/XX/XXXX. First, the company was paid {$220.00}, the amount due, on XX/XX/XXXX at XXXX XXXX The amount is due by the XXXXXXXX of each monthXXXX The amount cleared my bank on XX/XX/XXXX. The reference number given to me from the company website for this transaction was # XXXX. The amount due has been paid on time for the past XXXX years and has never been late then and was not late in XX/XX/XXXX. 

I called the company on XX/XX/XXXX at XXXX XXXX. The call lasted XXXX minutes. I had the displeasure of speaking with a XXXX XXXX. I explained my situation to XXXX XXXX, provided all of the preceding information to track my transaction, and I stated verbally that as long as I am paying the debt on time every month, I did not want to receive nasty correspondence falsely stating that I was late with my monthly payment XXXX XXXX stated that the law firm was having computer glitches and that the computer didnt post my payment in a timely manner. The computer did not post my payment until XXXX days later on XX/XX/XXXX, even though the payment was made on XXXX. I informed XXXX XXXX that my agreement stated that my debt collection agreement stated that my payment is due on the XXXX of every month and does not have any language related to when the the transaction is posted to their internal records. Also, I told her that there was nothing in my agreement regarding computer glitches. 
I also informed her that if the company continued sending out XXXX  when I was making timely payments, I would take legal action against them. XXXX XXXXXXXX XXXX response was to ask for the name of my lawyer so that her for could contact them. I told her to cease and desist with any further letters and that I did not want any type of communication with the law firm. XXXX XXXX stated that they would honor my request. 

XXXX, on XX/XX/XXXX I received yet another nonsensical letter from this company omitting just about all of the preceding facts mentioned above, stating only that the company posted the transaction to my account on XX/XX/XXXX and that they hope this letter resolves my complaint. 

Before the company sends out another nonsensical or XXXX  letter, I want them to cease and desist with any further contact with me. As long as I am paying the debt on the I should not receive XXXX  letters or, for that matter, any correspondence stating that my payment is late when the payment was actually made early. I want no further harassment from them. 
* - Note : The original debt company, Cooling & Winter, has now merged with a law firm called XXXX XXXX XXXX.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (LA)

Early in XXXX  approximately XXXX I was contacted by JP Morgan, Chase Bank that I need to provide proof of insurance on my condo. I did that and got no response. Then I got another notice to do the same thing. Again I sent the information in no response. The third time I requested to speak to XXXX Escalation Dept. I had my Insurance Agent and Myself provide Proof of insurance for the third time. Finally, they said it was resolved. In XXXX I got a notice again to provide for Insurance. Again, I did this to my Chase info website. I got a note that everything was good and I was good. On XX/XX/XXXX I got a notice from Chase that they placed insurance on my property for {$1200.00} which was incorrect. I am looking to do a refinance on my property and for the fourth time this year, Ill try to reach out to Chase to rectify this and Ive got no response. My condo insurance for the association is due for renewal in XXXX. XX/XX/XXXX to be exact. I need to get this removed off of my mortgage and Im looking for assistance with this.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I have an charged off account and I had another bank accidentally deposit to the charged off account. I called and they said the deposit was rejected and sent back to the bank that sent it, but a week later I got a notice in the mail saying they used the money to cover the remaining balance. Not only was I lied to, but when I called they said there was nothing they could do about it and that the person I talked to was incorrect. 
I'm working in a certain order to pay off my debts, I needed that money to help stabilize me until I do so.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After 7 years of having a capital one credit card they closed it without notice. I never received anything in the mail to let me know nor did they give me a warning i needed to use the card to keep the account. I never had issues and this was my longest standing credit card. After they abruptly closed the account my credit took a 45+ point hit. This is detrimental to me as i was in the middle of trying to purchase a home. I have another credit card with them as well as a now paid off car loan.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

THIRD PARTY- XXXX XXXX XXXX XXXX EQUIFAX XXXX IMPOSTER : XXXX XXXX XXXX  is breaking the consumer law pertaining to : XXXX XXXX XXXX  ACCT XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and XXXX  aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX XXXX CARD HOLDER!
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC (NV)

Scott and Associates violated Fair Debt Collection Practices Act.

They refused to provide validation of debt that they claimed they had the right to collect. They refused to provide full disclosure under the Truth in Lending Act pursuant to 15 USC 16-01-1667j.

They refused to provide my original wet ink signature promissory note pursuant of U.C.C. - Article 3 - 3-501 ( b ) 2 ( 1 ).

Therefore, they admitted that they are not a party of interest and can not rightfully enforce their claim under U.C.C. - Article 3 3-301. Under US Code TITLE 15 > Chapter 41 > SUBCHAPTER V > 1692g part ( b ), this debt is now officially in dispute.

By law, all collection activities must cease.

Scott and Associates were not able to show any lawful evidence of debt validity, yet they proceeded with mail fraud and harassment. 
Such conduct has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort.

Be it known that Scott and Associates violated 15 U.S.C. 1692 ( c ) of the Fair Collections Practices Act by harassing me regarding this debt.
Consumer complaint received 2024-01-10
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Well my visa debit card been compromised or basically stolen out of my mail box I never received my card wich had $ XXXX..so they ordered me a card so i waited and waited they said about 7 business days i should get it well it's been 3weeks so i call them and tell them i still havenent received my card they said Oki it's no problem ill send you out another card but you have to go to bank of America to verify your identity so I go ahead and do that so i get to the bank the lady takes my 2 peice i.d any said your good to go anything else i can help you with i said no thats it and thanks she said we'll express mail it to you she said just make sure your home i said ok and by the way the last time i ordered my card they didnt say anything about being home so i wait 2 days later my card cones im. So happy I go to activate it and there's only XXXX $ wow now I call them and tell them what's going on and the guy that looks it up tells me all the transactions and I said hows that I don't even have a card and that's when he said I have to send you to claims and you can ask the person that helped me there was email on file that wasnt mine a phone number that wasn't mine he even said some one got your card and changed all your info in the system to change the pin number..and then I was on hold with claims for 3 hours finally he came back laughing saying theres nothing i can do sorry for keeping you on the phone that long so i hang up call again and the new person supposedly filed a complaint on the last person that would not file a claim. So this is what's going on.. customer service operator that helped me told none of this email or your phone number that your giving me is on here so someone did go in and change everything
Consumer complaint received 2017-04-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (FL)

THIS IS A COMPLAINT AGAINST THE BB & T BANK, BECAUSE I DID NOT RECEIVE THE CORRECT HELP WHEN I MAKE THE REQUEST VIA TELEPHONE CONTACT WHEN I MAKE THE CLAIM THAT IN MY BANK ACCOUNT I HAVE GIVEN MONEY SINCE XX/XX/XXXX DO UNTIL TODAY, EXPLAIN THAT I WAS TRAVEL AND THAT WHEN I RETURN, MY SURPRISE IS THERE WAS NO DOLLAR IN MY ACCOUNT. YOUR ANSWER IS GO TO THE BANK AND MAKE YOUR CLAIM XXXX, THAT WAY SO XXXX AND EVIL TASTE, DESCRIMINATIVE. THIS BANK HAS POLICIES THAT ARE NOT GOOD FOR ITS CUSTOMERS, AS THAT WILL SAY THAT IT CAN NOT TAKE MY CLAIM BY TELEPHONE BECAUSE IT HAS TO BE IN PERSON, THAT PASSES YOU, LACK OF RESPECT, THAT XX/XX/XXXX SAY THAT EVERYTHING IS LIE, I AM VICTIM OF ROBO AND SHE SENDS ME TO DO ALL THIS PROCEDURE? NO BANK IN THIS COUNTRY DOES THAT, EVERYONE TAKES ITS CLAIMS BY PHONE. THAT KNOWS IT IN WHAT STATE I MEET TO HAVE TO GO TO THE BANK. MY QUESTION IS TO THIS BANK? IT IS FOR YOU TO HAVE A DEPARTMENT OF FRAUD AND CLAIMS IF YOU DO NOT DO ANYTHING BY TELEPHONE ARE IT DOES NOT WORK.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

XX/XX/XXXX spoke to XXXX and was told i would be refunded the amount of my purchase within 5 business days. This never happened, filed a claim with truist and nothing has still happened. Provided documentation showing XXXX said refund would be on with 5 days.
Consumer complaint received 2024-01-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (GA)

Consumer Financial Protection Bureau ( CFPB ) Online Complaint Submission Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA, XXXX Email : XXXX Phone : XXXX Product/Service : Loan ( Personal Loan ) Company Information : Company Name : Affirm , Inc . 
Company Address : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. 
What Happened : I purchased a scooter from XXXX XXXX on XX/XX/2021, financed through Affirm. The scooter was never delivered despite a promised delivery time of XXXX days. XXXX XXXX had a XXXX delivery policy, conflicting with Affirm 's XXXX dispute policy. I attempted to resolve this with Affirm multiple times over XXXX years, to no avail. XXXX XXXX claims a chargeback was initiated, but Affirm and the funding bank, XXXX XXXX XXXX, have no record of such a chargeback. I have incurred significant financial harm and credit damage due to this situation. Affirm has charged off the loan on my credit report, and I have not received the product or any invoice or receipt for this transaction. 
What I Want : I seek full reimbursement of all funds and interest paid towards this loan. {$9000.00}. I also request that the charged-off loan be rectified on my credit report. I am seeking a fair and thorough investigation into this matter, in accordance with consumer protection laws. 
In closing, I appreciate your attention to this significant matter. My expectation is not only for a resolution to my individual case but also for Affirm to uphold the principles of fairness and responsibility towards its customers. I trust that Affirm will treat this matter with the urgency and seriousness it deserves. Your prompt and just resolution will be a testament to Affirms commitment to customer satisfaction and ethical business practices. 
Thank you once again for your time and consideration. I look forward to a favorable and timely response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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 NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (FL)

National Credit Systems has made allegations about this debt for {$6800.00}. My husband and I have communicated with them via U.S. certified mail ( XX/XX/2023 ) requesting additional information and have not received a response. We have waited 30 days, plus an additional 5 days to give ample time to allow them to do their due diligence. I have attached all correspondence and tracking information for the certified letter. We have an unsubstantiated debt being reported to the credit bureaus and this is concerning to me as a consumer.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (MA)

XXXX you are reporting inaccurate information on my consumer report. I have disputed the inaccurate names on my consumer report. The correct spelling of my name is XXXX XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of the correct spelling of my name. I demand that you remove or delete ALL other inaccurate names on my customers report immediately.
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (MN)

I was looking into an FHA for the first time and came across this collection which is an illegal one. The original debt was through XXXX that was over 5yrs old. Jefferson Capital is reporting an unverified debt that I allegedly owe to them. I have no contractual agreement with Jefferson CapitaXXXX at all. They are in violation of the Fair Debt Collection Act. I won my cases under the FCRA with Transunion which closed the account, but Equifax Experian has not and severely damaging my credit. I have now made XXXX disputes through Equifax. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. Jefferson Capital must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' which they can not sue for because of how old this is and all they sent was a bill with no original debt I owe, no details, no signatures, NOTHING. They have in XXXX I owe {$1000.00}, but when I talked to an employee there he said they can lower it to {$530.00} and are sending paper work ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added, which is a right guaranteed to me by law. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. I am trying to buy a house and they 're making it hard. This dept is so old they ca n't even sue me or even had my proper address until 2 weeks ago which I 've been at for over 10 years. Jefferson is in full violation of the law and this needs to be taken today.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Yes it shows on my credit report that I have 2 60+ days of late payments and 2 30+ days of late payments, I shouldnt have any late payment history reported on my credit, can this be resolved
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Ive been waiting for days for XXXX to provide me the free credit report and they havent. I spoke to XXXX who gave me the case # XXXX, telling me itll take hours for the issue to be fixed and its been days. 

Same thing with Transunion, cant see the report or the score, even that I paid for it. Theyve been having technical difficulties for ever. I had to submit a complaint in my card. Transunion has always had a mess with my information and I have provided several times my IDs and still having issues.