davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2023-04-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

In 2019 XXXX is reporting that my account was not in deferment. For the entire year of 2019 I was in some form of forbearance or deferment. The report also shows me being 90,120,150, and 180 days late which does not add up. This is on all three credit bureaus.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

On my Chase Sapphire Reserve card there was a promotion offering to receive a 30 % bonus when transferring my Chase Ultimate Rewards points to XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I transferred XXXX points on XX/XX/XXXX, the start of the promo, but never recieves the XXXX bonus points from that specific transaction in my XXXX XXXX account. Per terms of the promotion : Receive a 30 % bonus when you transfer Ultimate Rewards points to XXXX XXXX XXXX XXXX. 
The promotion is valid through XX/XX/2023, at XXXX XXXX. 
Transfers may take up to XXXX  days. 

XXXX XXXX explicitly are stating they are not responsible for the XXXX bonus points from the 30 % promotion and that XXXX points should be from Chase. Chase insisted to contact XXXX XXXX regarding my missing points.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

For the pass three years XXXX other XXXX XXXX including myself open accounts with chase along with XXXX XXXX XXXX apart of the XXXX XXXX to see why XXXX XXXX accounts are quick to be closed for maybe a returned item, low deposit and denied a line of credit or credit cards. Where as the XXXX XXXX XXXX have had over the pass three years numerous of return item 's and accounts are still open and was issued a XXXX line of credit. Whereas, there have been numerous times small business XXXX XXXX  tries ti get a line of credit and denied just because the XXXX of their skin. There are different dates that our accounts have been closed and denied and sent letters of rejection
Consumer complaint received 2023-06-23
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. (AZ)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable 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 I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) 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 every piece of information and remove these items below from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX  Date of XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (NY)

Along with the repeated phone calls, I was strong held and intimidated into providing my personal information. The person I was on the phone with also tried to get my card number, although I repeatedly told her I will not do so and that I would need to look online for the debt. I felt extremely uncomfortable by her language as it was very aggressive and threatening. This phone call happened XX/XX/XXXX at XXXXXXXX 

Ive tried to contact this company to clarify this previously through email because I prefer to have paper trail of this of this nature. However, they just refused to email me for a year. After I forwarded them the email a year and some months later, they wanted me to call them. I then responded through email, for that is what I prefer. However they did not respond, and instead kept harassing me with phone calls.
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (NC)

I needed a loan to help cover a bill for XX/XX/XXXX so on XX/XX/XXXX I put in for a loan. I was directed over to XXXX XXXX where they gave me a loan for {$1000.00}. The called me before signing just to let me know when my first payment would come out but I did not receive payment schedule or disclosures until after. I looked at them and realized it says my interest rate is 670.99 % which i would have never agreed to and no one disclosed ahead of time.
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: Experian Information Solutions Inc. (CA)

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 XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # 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 an 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 or 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 2023-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC (AL)

I requested a payoff that was good through XX/XX/XXXX -- -funds were received in the total amount. I was in a hurry to pay off because the loan was to be transferred. The funds cleared my account XX/XX/XXXX. The amount of the full payoff was included and cleared before the payoff expired. 
A principal amount of {$83.00} was still showing. Someone was supposed to call me back several times but never sent a resolution. From the payment history, it appeared they deducted the {$83.00} from my escrow and zeroed the balance. However, I called to check today and the balance that was paid was transferred to the new servicer. I feel like my complaints are falling on deaf ears. 
Complaint on new servicer coming soon! 
Thanks,
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (PA)

Dear CFPB Please see attached files For months/ years I have submitted complaints to XXXX regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove/Delete these items. These are NOT transaction made by me as a consumer yet XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed/ Delete within 4 days of receipt of this letter. I would like for the item " SANTANDER CONSUMER USA '' listed in the attached documents to be removed/Delete immediately. I look forward to your response.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I have 2 accounts showing with XXXX XXXX. One inactive, one active. The balance of the inactive account is {$350.00}, but the account closed with the balance. I requested a new/transfer account at my current address. XXXX XXXX started services via online, but requested the previous account balance through my deposit ( {$350.00} ), which is no issue. But XXXX XXXX wants me to pay {$350.00} twice for the active and inactive account. My deposit would have never been the exact amount that I owe from my previous account ( {$350.00} ), if I didn't owe XXXX XXXX. Deposits are based on credit and payment history. There's nothing wrong with my credit, so the deposit was based on my payment history. And the {$350.00} is the payment history. The inactive account has been reported to the collections, but the active account is still open waiting for the {$350.00} to be paid + my current monthly bill. One rep told me the deposit just so happened to be the same as my previous account balance. DUH! If XXXX is basing deposits on my payment history, then of course my deposit is showing as {$350.00} that was left unpaid on the other account. She then went on to tell me theyre systems didnt communicate to each other, so the accounts was split instead of transferred. But, XXXX isn't trying to settle my accounts, transfer them, or combine them. I put my request online to TRANSFER my services, but their system didn't TRANSFER my accounts. Instead, it opened a new account and has me facing two different balances. The reps on the phone are horrible, I spoke to at least 4-5 different people who all had different answers. They were very careless and refused to investigate and determine the root cause of this issue. Their answers were " oh well, you still have to pay the balance, oh well the system didn't transfer your accounts, it's not a deposit, one rep told me it is my deposit and it has to be paid. There was another rep who was a little helpful- she mentioned this has been happening a lot and they havent yet found a resolution. As of now, customers are overpaying until XXXX finds the root cause. 

Helvey & associates is the collections company thats incorrectly reporting this information.
Consumer complaint received 2023-11-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

I have a {$300.00} prepaid American Express card that I am unable to use. I received it from my work and they said to contact American Express directly. I have contacted American Express and they are unable to locate the card or provide the balance. They had no direction for me. 
When attempting to use at a store, the card doesn't register - as if the numbers don't work. 
When attempting to use online, the card shows invalid. I have called retailers and they are unable to process a purchase. 
The card is not expired.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC/ Resurgent Capital services are attempting to collect a debt I do not owe them, I have no contract with either party. The alleged debt has not being validated and proper documents have not been produced with any wet signatures with both parties signatures on any contract. 

I have not given the debt collector permission to contact me which is FDCPA LAW 15 USC 1692c ( a ) have the debt collector provide each and every requested document asked for on the attached statement. thank you
Consumer complaint received 2023-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc. (MO)

To review with their client the debt was XXXX  by XXXX XXXX showing XXXX XXXX  balance the refussed to accept or acknowledge debt was cleared even though their client XXXX the debt was owed provided verification the debt was paid even after showing the Kansas counselors law firm the reciept invoice XXXX debt was paid and now reflects a XXXX XXXX  balance paid in full by XXXX XXXX XXXX XXXX XXXX I will attach the verification documents XXXX XXXX accepted letter as well as the verification invoice reciept from the debtor showing balance paid by their finacial assistance reflecting debt paid XXXX dollar balance so XXXX can remove this negative mark from my record along with XXXX and XXXX as the mark has been devastating to my credit and XXXX has also recieved these verification documents showing balance paod in full as has also refussed to remove the mark despite having on file the reciept invoice from the debtor showing the XXXX XXXX  balance debt paid in full so I am requesting investigation into the matter seeking fair credit Reporting I appreciate you taking the time to review the matter and tour advocacy to correctly reflect an accurate and fair credit report
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (IA)

On XX/XX/2023, I sent a certified letter to Experian about the affirm accounts on my credit report. I never received any sort of communication back within the 15 days I requested in the letter. also, they have not fix the problem on my credit report and when I call in about it, the representative told me to quit calling.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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. 

List of Fraudulent Inquiries : 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 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 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

In    XXXX   XXXX     , my home experienced a   XXXX    due to a   XXXX   XXXX   XXXX   in the second story which destroyed my home. After much heartbreak and emotional distraught, we dealt with the  XXXX   XXXX  trying to underpay the minimum replaceable cost to restore the house. Finally, we settled on an amount and a check was paid out on   XXXX   XXXX   XXXX     for the approximate amount of {$78000.00} to me and my loan servicer,  Ocwen Financial Corp. I sent the check to Ocwen immediately to sign over the funds to me.      Ocwen has held my  XXXX  payout to restore my home since that date. We have an agreement that I will act as the  XXXX  to restore my house, so  Ocwen  is not needed as an intermediary point of contact.      Ocwen has released partial funding but is withholding the remainder of my funds of {$40000.00 } and another check for {$15000.00}. Because of this, I was forced to tap into my Home Equity Line of Credit to restore my home. I 'm now incurring interest fees and it 's extremely stressful and daunting.
Consumer complaint received 2023-06-23
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. (MI)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-06-23
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. (NY)

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX and U.S. Department of Education yet they are not removing this fraudulent account. XXXX XXXX, XXXXXXXX XXXX  and U.S. Department of Education have no right to refuse to remove this fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX and U.S. Department of Education have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, U.S. Department of EducationXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$780.00} and U.S. Department of EducationXXXX XXXX Date opened XX/XX/2020 XXXX {$460.00} that were opened at an address where I have never lived at and it has nothing to do with me.