davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-17
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: SYNCHRONY FINANCIAL (FL)

Dear Sir/Madan, We reported Credit Card lost in XX/XX/XXXX so the card issuer Syncb/XXXX XXXX XXXX  issued us a new account with the new credit card number. But they failed to mail us the remaining balance on the old CC card. Thus, caused late payment fee piled up in my closed account for 3 straight months. We called Synchrony Bank many times to get the final bill, but they only said the account is closed, no further information can be provided. Finally, we filed dispute to all three credit beaus in XXXX XXXX. But SyncBank sold our debts right away to a collection agent called XXXX XXXX XXXX XXXX. We have no choice but to paid in full for my outstanding account to the collection agent in XX/XX/XXXX. However, after two months passed, the credit score from 3 credit beaus shown we still have an unpaid negative report ( from SyncB ) which keep our cerdit score low. We contacted XXXX XXXX XXXX, they told me it is Credit Beau 's problem. They have already sent out the paid off confirmation to 3 credit beaus. So I contacted credit beau again, they told me I should contact Credit Card company, because they shown the bad report was from Sync bank. When we called Sync Bank, they told us nothing they can do since the account has been sold to collection agent ( XXXX XXXX XXXX ). We are really frustrated and hope someone can help us to resolve this problem. But it looks like we paid off the debts but Synchrony Bank still not issue an account paid off notice to 3 credit beaus. So we wanted to file a complaint to Synchrony Bank.
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

There are a total of XXXX OPEN accounts being reported with this agency. 

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.
Consumer complaint received 2023-04-18
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I have recently purchased a home and have an escrow account through Chase bank to manage property taxes in XXXX. The escrow account paid my PRIMARY property bill late, then charged me the late fee. I spoke with Chase 3 times about this matter with no resolution. Initially I had to tell them multiple times this was the primary ( non-supplemental bill ). 

Then they said the county failed to send the bill. I called the county and they claimed otherwise ( not to mention the bill itself has a " Corelogic '' tracer number, indicating that the County did pass it onward ). The bill itself states that the mortgage company requested my tax bill.

Chase 's representative changed the story again, and claimed they paid a tax bill ( a supplementary one that we paid, as it is not Chase 's responsibility ). Oddly, they paid this small bill, but not the bill they are responsible for ( which matches the exact amount due and what they calculated we withold ). When asked why they did pay, but late, Chase claims their system scans for errors and caught the unpaid bill and paid it. 

I am in total confusion that Chase thinks I should cover this late fee. The account had the funds present for this purpose and they appear to have failed at their fiduciary duty. At this point I will write a " RESPA '' complaint as multiple phone conversations have failed to solve the problem. Chase needs to pay the late fee for their late payment of my property taxes.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HAWAIIAN, INC. (HI)

I went into the main First Hawaiian Bank branch ( XXXX XXXX XXXX ) on XX/XX/2023 at about XXXX. I proceeded to speak with XXXX, a teller, and told her I wanted to open a bank account. I gave her my driver 's license, XXXX ATM card and waited. She took out {$20.00} from my XXXX account ( the minimum required to open a FHB account is {$20.00} ). 

She took me to the new accounts area and XXXX XXXX XXXX assisted me. 
She said she needed my driver 's license and Social Security XXXX. I said I didn't have my SSN card. I then told her that I had attempted to open an account online a few days ago, she said she would call XXXX, the FHB Direct manager. She didn't answer, so XXXX called and spoke to XXXX. 
She had me fill out an information form. Then she said there was some type of error on her screen. She went into the back for approximately 30 minutes. When she came back, she said she didn't know the nature of the error. She then called the IT department and they couldn't fix the problem. 

I asked to speak to the branch XXXX or the assistant branch manager ( XXXX XXXX or XXXX XXXX ). She said she would have to email them to see if they were available. She emailed someone and then send they were both unavailable. 

I said I had to go because I had other things to do. She said she would have XXXX call me by the end of the day. 

I don't understand why it is so hard to open up a personal checking account at First Hawaiian Bank.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OR)

XX/XX/2017 I was purchasing an airline ticket from XXXX XXXX and saw a promotional offer for the Mileage Plus Explorer card from Chase. The terms for this card included a {$50.00} statement credit, XXXX bonus miles, and a XXXX dollar intro annual fee for the first year. A couple months later I was looking up a charge for something else and noticed that I had been charged the annual fee for the first year that was supposed to be waived. I have contacted chase about this many times and gone through all the processes and they still refuse to credit me back for the {$95.00} dollar charge. I have never signed up for a card with an annual fee and would have never done anything like that. I also took a picture of the offer, as I have been taught to do, to document the offer I received.
Consumer complaint received 2017-01-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Insight Capital LLC (NV) (PA)

My name is XXXX XXXX XXXX.I received a call on XXXX/XXXX/XXXX from a private number stating I had a debt back in XXXX that needed to be paid and they have made several attempts to reach me. After I had told them now was not a good time, they told me " Good luck in court maam ''., At that time, I became panicked and heard them out. I started asking questions, ( who they were, when this debt supposedly happened, why they have n't tried to contact me before ) The woman stated they were the collection agency and the actual debt resided in a different company. They also told me my ex 's information of his email. They then started to confirm all of my information and asked me to pay now on that day or else someone ion my area was going to serve me court papers, and that would cost me well over XXXX to fix. I was very scared at that point and decided I better pay this bc I do not want that to happen, I transferred money and even called the bank to let the funds go through. After the transaction went through, the lady continued to call me stating they would email me the final paperwork to be signed ( sounded legit, bc I thought that 's how you would handle a debt collection ) so after me not signing for a few hours they called me back to sign the paperwork. I got home from work and signed it online that day and then received an email stating everything was ion close and then I saw the Insight capital LLC. I had then XXXX that company and realized it was a scam. HELP me please!
Consumer complaint received 2024-01-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (WA)

We are attempting to close my XXXX XXXX  Account with Optum Bank and have taken all appropriate steps to transfer all funds ( over {$87000.00} ) to my new XXXX  XXXX  Account at another institution ( XXXX Bank ). The process required sale of investments ( mutual funds/ETFs ) in an associated Health Savings Brokerage Account ( at XXXX XXXX XXXX and tranfer of the proceeds of back to Optum Bank XXXX That step was accomplished weeks ago. Also accomplished was our submitting a transfer/rollover form directing Optum to send all funds to XXXX XXXX  . The funds have been sitting in Optum Bank, uninvested and earning no return for weeks and Optum can not seem to explain why the process is taking so long. We have gotten conflicting information from Optum, both verbally in recorded telephone calls, and in messages through Optum 's online portal, as to what is happening. We are extremely frustrated at the slow pace of this process and every day that Optum holds this money without transferring it to XXXX XXXX is a day we are losing money until the funds land in XXXX XXXX  and the funds can be re-invested.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

One day an envelope arrived at my house with a check and some instructions to deposit the check into my bank account and I was waiting for the check to reflect when I checked my account it was canceled because the check is fraudulent I told the bank that I have the evidence that I was doing a job online and even so they did not give me the opportunity to send the documents. They just told me that my account is closed and the funds I have to pay my rent and bills I could not withdraw and my account is negative
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

There are two American Express business cards, a blue card, and a platinum card, that were fraudulently opened in my name. I have been attempting to work with American Express to resolve the issues with identity theft/fraud since around or about XXXX XXXX. I'm quite certain that the business cards were fraudulently opened by my former employer. I have filed a police report memorializing that I am the victim of identity theft. I have also sent several written communications and have spent a minimum of 50 hours on the phone with Amex representatives to report and provide details of the fraud. During this time notes taken by the members of the fraud team have been incomplete, and inaccurate or don't exist making it impossible for the operations team to perform a proper investigation. I have also received many hostile calls from the Amex collections team attempting to collect on the fraudulent accounts. The collection department is not aware that the accounts are under fraud investigation. On XX/XX/XXXX, Amex canceled my personal gold card, which I had since XXXX, due to " having another Amex account that was not maintained in accordance with the terms of the Cardmember agreement ''. When I called Amex to discuss why my gold card is being canceled it was " due to not making payments on the two fraudulent cards ''. I was told by a representative on XX/XX/XXXX, that the collections department, that processed the cancellation of my gold card was not aware of the fraud. I am not making progress on the fraud investigation. Amex 's behavior has been unprofessional and negligent. I feel like I am being harassed and abused when I did nothing wrong. I feel that Amex has violated the Fair Debt Collection Practices Act ( FDCPA )
Consumer complaint received 2024-08-12
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. I looked at my XXXX credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possibleaccuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of thereinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: R.A.Rogers, Inc. (GA)

15 U.S. Code 1681c2 says A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than four business days after the date of receipt of the letter You are violation of the law because Im a victim of identity theft, delete the item below immediately Account : RA ROGERS INC collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/2023 balance reported : {$8900.00} the account should not be furnished on my consumer report as they are in violation of 15 U.S. Code 1681b permissible purposes of consumer reports, which says in general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : in accordance with written instructions of the consumer, to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report, which violates my rights as a federal protected consumer no consent is identity theft as a consumer. I am demanding the deletion of the account below immediately. 

Account : RA ROGERS INC collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/2023 balance reported : {$8900.00}
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (TN)

I contacted Self to have them remove this from my credit report, as they was reporting inaccurate information on my credit reports. This account is showing a collection/charge off yet it has an open balance & shows it was closed on XX/XX/XXXX but yet shows updated on XX/XX/XXXX?? So this needs to be removed my from credit report immediately!
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

I have been contacted by Vance Huffman on several occasions, each time they call I ask them to provide proof in writing that the debt they are trying to collect is mine. Each time I get we sent an email, I have checked my email accounts and I have never received an email. I asked them to send it to my address on file and they refused. They are currently reporting thus collection to my XXXX and XXXX credit reports and I havent received anything proving that this debt is mine.
Consumer complaint received 2023-07-13
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: DISCOVER BANK (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX  ACCOUNT # XXXX DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone # XXXX XXXX XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-11-28
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: OneMain Finance Corporation (VA)

This is my second attempt with you all to address these issues i can attest that Its I and not a third party that is making this request. To recap, I have recently reviewed my XXXX, XXXX and XXXX credit reports and it indicates that I have inquiries with One Main Financial on XX/XX/2023 and XX/XX/2023. However, my contact with that company was responding to pre-approval invitations that I turned down after not liking the terms and conditions after completing the pre-qualifications. I was not made aware that I was applying for any loans. Thank you all for looking into this
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has been sending emails stating the following : Based our records, you have not yet paid your {$1800.00} balance Failure to satisfy your obligation will result in legal action through our XXXX party legal debt collection firm. 

In the event a judgment is rendered against you, XXXX XXXX choose to exercise the option to proceed with any and all post judgment proceedings as allowed by law in your state. 

They have no phone number or address to mail correspondence. I have requested a debt validation XXXX times ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ) requesting debt validation and have received XXXX response. I emailed both XXXX and XXXX requesting contact information and received no response. Per the FDCPA, the collection agency has XXXX business days to produce a debt validation letter upon receiving your request and they have provided nothing.
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WI)

After checking my CONSUMER report I noticed a few updates with companies posting there. ENHANCED RECOVERY COMPANY being one of the companies. ENHANCED RECOVERY COMAPANY is alleging that i have an alleged debt totaling {$1300.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFPB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you