davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports but XXXX is reporting this information. 
This is a violation of XXXX regulations. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
Delete all the transactions reporting as late, collection/charge-off status and any other derogatory information from my consumer reports immediately. DO NOT reply that this account has been " validated '', I am not asking you to validate or verify anything. Do Not waste my time using such tactics. 
There are negative accounts that have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information on my consumer reports 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 For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX Have noticed some fraud accounts and unauthorized inquiries appearing on my credit report. 

Accounts 1. XXXX XXXX XXXX  {$130.00} 2. XXXX XXXX XXXX {$84000.00} 3. XXXX XXXX XXXX {$27000.00} Inquiries 1. XXXX XXXX
Consumer complaint received 2024-04-05
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. (TX)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SENT OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVED In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (LA)

I sent messages to Chase on XX/XX/XXXX est. about having proper two factor authentication on my account such as Time-based one-time password ( XXXX XXXX ) and/or a Security Key ( e.g. Yubikey ) that Business accounts already have access to, but normal bank accounts don't. I'm very worried about Sim Swapping attacks that has been documented by the FBI already. The two factor security now only offers to send a one-time passcode via sms, call, or email. All three methods are vulnerable to Sim Swapping attacks ( Email gets hijacked via Sim Swapping ).

They replied the usual stuff about offering security features which are useless again Sim Swapping attacks. I request that XXXX or Security Key XXXX be able on my Chase Student Bank Account. Also, I set a support passphrase, but when I called a while back, my security question was never asked for. Please train customer service reps to always ask for the security passphrase if a Chase customer has set one. I recall talking to the Chief Information Security Officer at Chase about XXXX, and he told me back in XXXX that a feature was being tested for authentication pushes like Duo Mobile has, but within the Chase app and that it's only offered to " friends and family '' currently. It's a disservice that normal Chase customers aren't allowed to have access to proper XXXX security features while others are.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Opened a USBANK account about a month prior. Both a personal checking and Business account. 

Received a wire from friends the Company XXXX XXXX  in XXXX TX Attorneys funding my business for {$100000.00} The wire arrived Wednesday, money wire cleared Friday and I went to the USBANK branch, received a casheirs check for {$40000.00} and {$10000.00} cash advance. Leaving a total of {$49000.00} in one account and {$7000.00} in another. 

Sunday I went online with the USBANK account, scheduled a wire for the following business day Tuesday due to bank holiday presidents day and also a zelle to a friend for {$1500.00} The account signed me out and message box appeared telling me to call the bank. 
I did and while I was on the phone I was told it was due to my VPN used. 
My daughter has also been provided by myself with my log in details incase she was in an emergency situation with my XXXX  on the XXXX XXXX. 

At that time while on the call another USBANK line called in, someone asking me many questions who was the originator of such a wire? why did I open a USBANK account? what money was I sending and why? 

I was told the account is NOW CLOSED we do not want your business and if after research we deem this transaction is legitimate we will return your funds in a formal check, no email or phone communication will be made only a check in the mail. 

When I asked about the time frame, I was told we dont know? 

I checked the account XXXX  expecting the account closed it was not only online access blocked and I could only be allowed to hear the balances in the accounts. 
{$49000.00} in one and {$7000.00} in another.
Consumer complaint received 2024-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK (GA)

I am owed a refund of {$230.00}. I called customer service 11 times as of XX/XX/XXXX, and given 11 different lies. I paid a waste bill because it came to my home. I had no idea it was the responsibility of Midland Mortgage Company. I faxed them documentation over and over along with the checked that cleared and cashed. They received the monies because the sent me a letter dated XX/XX/XXXX.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, I thought that I was paying in full my monthly balance on my Capital One credit card ( due XX/XX/year> ). The actual balance was {$890.00}, but I inadvertently ended up paying {$710.00}. I think that I made this error because Capital One includes as a payment option through its website " Last Posted Payment. '' It turns out that {$710.00} was the amount that I had also already paid XXXX month earlier for my previous month balance. I meant to pay off my " statement balance '' in full on XX/XX/year>. 

Capital One already has charged me {$13.00} in interest ( finance charges ) for my failure to pay off my XX/XX/year> balance in full. I also will incur additional interest charges for much of XX/XX/year>. To try to cut off more interest charges, I paid off my XX/XX/year> statement balance today. 

I do not like Capital One creating this " Last Posted Payment '' option. The " Statement Balance '' option makes the most sense. The " Current Balance '' option also is reasonable to display. Arguably the " Minimum Payment '' option is useful to some customers. But the " Last Posted Payment '' option, which I previously never had noticed, does not make sense for most customers, especially because the " Statement Balance '' changes from month to month for many customers. 

I think that the " Last Posted Payment '' option was created by Capital One in order to generate confusion among customers, which has just happened to me. I do not know when Capital One started offering that " Last Posted Payment '' option, but it seems very new and caught me by surprise. Now Capital One has ensnared me in a " finance charge '' loop that I preferred not to be in. 

I want CFPB to investigate the entire American credit card industry 's statement billing practices ( including at Capital One ) and determine how many consumers are falling into the " finance charge '' trap created by the " Last Posted Payment '' option.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - For the record, the following definitions are on the Capital One website : Amount Options Other Amount You choose the amount you want to pay.

Minimum Payment Pay this by your due date to avoid late fees. If you can pay a little more, you can save money on interest by reducing your balance faster.

Last Posted Payment The last posted payment.

Current Balance Pay this to pay off your current balance. Pending transactions, fees and interest charges may post and require additional payment.

Remaining Statement Balance Paying this amount may help you lower interest charges on your next bill. This amount is your last statement balance, minus currently scheduled, pending or posted payments that are received by your due date. It also includes AutoPay and returned payments. If you cancel any scheduled payments, you may have a balance due on your account. Check your account to confirm your balance.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have sent two letter with all supporting documentation to Experian requesting them to update my personal information. In addition, I have requested three time from Experian, XXXX and XXXX to remove an collections account that states opened. I have been trying to compile and follow up with no response or actions being taken on my behalf
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i got my XXXX XXXX permit. The XXXX  XXXX means XXXX XXXX to drive a 26000-pound truck. The XXXX XXXX means i need some training to get the required skill to drive a big truck. I opted for an apprenticeship program with the truck company XXXX ... I signed an agreement with XXXX to be train on 3 weeks, and pass my XXXX A license test, then work with them at least 9 months. I went for the training. After 7 days class training, XXXX decided to fire me from the training. This is their reason : XXXX XXXX  It is because of thaXXXX XXXX XXXX XXXX XXXX XXXX permit ) i opted to be train with them to get the required skill to move forward my truck career. They fired me means that i didn't receive their service and they didn't honor their part of the agreement we signed. I was surprised that them who didn't honor their part of the agreement charge me {$2000.00} and reported to collection agency. Now there is an derogatory mark on my credit report. Since XXXX year and half, my career is locked down because i can not get a loan to finance my truck driving school. My family is suffering for that situation, my dream career locked down because I was XXXX XXXX  with a company. Is that right for a company to mess up a career of an individual who didn't commit a crime but was only XXXX XXXX? 
I didn't receive their service, they don't have to charge me up to lock down my brilliant truck career.
Consumer complaint received 2023-04-27
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-12-27
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I was sent ( 2 ) American Express eGift Cards from my employer. Anywhere I have tried to use these online they are declined. I've called in twice to American Express to ask that a check be mailed to me for the balance so that I can use the credit with the merchant of my choice and they have declined telling me to " Try to use it at another merchant ''
Consumer complaint received 2024-04-13
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. (GA)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TN)

For the last 6-8 months I have been in communication with XXXX and Experian about various accounts that were/are reporting that stem from identity theft. I have sent in numerous id theft reports and police reports. I have asked XXXX countless times to block and remove the accounts due to identity theft. XXXX did not honor my request nor did they send me a written response within the 5 days from my request stating the reasoning they elected not to block and remove the accounts. Clear violation of FCRA 605B. When I call to verify receipt of my documents I am being told that they have not received my documents even though the ups/usps tracking states that it was delivered or signed off on. XXXX and Experian within the last 2 months have deleted a few accounts but replace them with accounts that were deleted that were named in the identity theft reports. Accounts that I have been told are deleted on XXXX or Experian 3 credit Bureau reporting website are being hid within my credit report under closed accounts. I recently applied for mortgage and was told sent a copy of my XXXX and XXXX credit report showing the accounts : XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, I also asked company to remove the negative remarks that inpack my credit and fix accuracy. The accounts referenced above XXXX refuses to delete from my credit and Experian. It seems that XXXX and Experian doesn't follow the FCRA rules protecting consumers from identity theft. They do not send out communication. I have asked by letter two ( 2 ) times within the last 6 months for XXXX to present documents that show the verification process for these accounts. No correspondence from XXXX even after a 15 day demand. This complaint is the last step before I sue in Small Claims court.
Consumer complaint received 2024-03-23
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: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank basically has an account under my name. I cant qualify and get an account with them three days ago. The dark web on XXXX XXXX alerted me and they told me that my social has been compromised and that theres a chase account under this persons information and they have their email address and the phone number is the thing. I will also upload that and send it to you so you can do an investigation about this account and get this removed off my name. I really greatly appreciate It
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2018-11-13
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. (TN)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of dthe informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX , and Chapter XXXX Bankruptcy Discharged XXXX-XX/XX/XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am very concerned because my credit report is showing discrepancies. I am a very concerned consumer and want only true information list on my report and accounts that belong to me. Collections were not validated per law. All collections are listed as open and past due. Require the method used to verify these debts belong to me. A signed Purchase agreement from each company, not billing statements. Please remove this inaccurate information as this is a clear violation.
Consumer complaint received 2024-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor Advocates Inc (IA)

Creditor Advocates Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law by using abusive, unfair and deceptive business practices of harassment by calling my phone, send me text and email messages and U.S. mail in regards to a debt from XXXX XXXX XXXX XXXX for {$78.00}. The debt collection account and debt owed, is not my debt or debt collection account. I dont owe any debt to XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: United PanAm Financial Corp. (CO)

I check my credit quarterly. I pulled my credit report to check for accuracy. I noticed several inquiries that I did not authorize. I noticed these discrepancies on my report on XXXX These inquiries all took place on XXXX I did not authorize any company to run my credit at that time. I completed a FTC XXXX. Report is uploaded
Consumer complaint received 2024-01-06
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: GLOBAL PAYMENTS DIRECT INC. (MA)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy ofmy Global Payments Check Services consumer credit report sent to me via mail.
Consumer complaint received 2018-11-13
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. (CA)

Equifax has been non-compliant with removing the unverified account XXXX/XXXX XXXX XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.