davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Debt Recovery Solutions, LLC (OH)

There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name XXXX XXXX  Account Date : XX/XX/2023 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.
Consumer complaint received 2023-08-05
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. (TX)

I sent a letter to EQUIFAX INFORMATION SERVICES ON XXXX XXXX and on XXXX XXXX HERE IS MY TRACKING NUMBER : XXXX via USPS, for the following items : XXXX XXXX XXXX  acct # XXXX balance XXXX XXXX XXXX XXXX - BALANCE XXXX HOWEVER ITS HAS BEEN MORE THAN XXXX days and THE ITEMS ARE STILL APPEARING ON MY CREDIT FILE and EQUIFAX HAS NOT ACKNOWLEDGED RECIEPT OF MY LETTERS DESPITE ME HAVING A TRACKING NUMBER! I HAVE DISPUTED THESE ACCOUNTS OVER ONE YEAR NOW!! I HAVE LET EQUIFAX KNOW THAT THIS ITEM IS FRAUDULENT AND IT SHOULD NOT CONTINUE TO REPORT AND THEY ALLOW THE COMPANY TO CONTINUE TO REPORT most RECENT REPORT WAS XX/XX/2023 EQUFAX ALLOWED XXXX XXXX XXXX TO UPDATE ACCOUNT BALANCE TO XXXX!! EQUIFAX HAS VIOLATED MY PRIVACY RIGHTS! 

15 USC 1682 section 602 A states I have a right to privacy 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 s-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 the information is inaccurate
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (LA)

I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (WI)

I applied in good faith for a credit card with Discover in XXXX. I was denied my own account because of an account my husband has opened under his name. 
I believe this is in violation of the Fair Credit Opportunity Act.

1691. Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditor 's rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NC)

In XXXX, I called JP Morgan Chase to close my XXXX XXXX credit card. I made it clear that I was closing my card and wanted to make a final payment. I even asked if there were any recurring charges coming up for subscriptions. The specialist told me there were no recurring charges and what my balance was which I promptly paid.

Two weeks ago I got a notification that my credit score has changed. I contact XXXX, they said a pending charge hit the day after I closed the account. 

So I am immediately paid everything over the phone and placed a dispute for the credit reporting because they did not send me any information about any additional charges or balances after I closed the account. Not a single statement, phone call, letter, email, or text. I monitor my account balances with a financial program and the balance had shown XXXX since XXXX. 

After they pulled the phone call, a supervisor called me to tell me that she listened to the entire call. She confirmed it was my intent to close my card, that I asked about recurring charges, and that my history showed I have never been late with any payments. She also confirmed that they did not send me any notifications. 

But she said that I did not specifically ask if there were pending charges and that even though the specialist could see that on her screen and did not inform me of that, that is not a bank error that is my fault. Unbelievable! 

I asked if I could escalate this to a manager and she told me she was a supervisor and that there was nothing I could do. 

This is an unfair trade practice and just plain bad business. They should correct the credit reporting due to their negligence and egregious behavior. 

Hopefully you have the ability to have those phone calls pulled to see how ridiculous this is. 

Thank you!
Consumer complaint received 2023-08-05
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. (DE)

YOU ARE BREAKING THE LAW!!! 

RE : Late Payment Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that my consumer report has been adversely affected due to an inaccurate late payment. I believe XXXX, XXXX, and Equifax are violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provides me with documentary evidence that clarifies this billing error.

16 CFR 433.1 ( i ) states that a consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with Regulation Z, you can be fined for giving false and inaccurate information. I do not consent nor give these consumer reporting agencies permission to furnish this negative information pursuant to 15 USC 1681b ( a ) ( 2 ). 

No law under the Fair Credit Reporting Act requires XXXX, XXXX, and Equifax to furnish negative information to my consumer report. Furnishing false credit information is a violation of federal law and a violation of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India 2017.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act these companies has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. 

Unauthorized use On XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX # XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I dont recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX I do not recognize this inquiry.
Consumer complaint received 2023-08-05
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC (FL)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX XXXX The Date reported is inaccurate ; XXXX XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX XXXX Also, this charge-off account shows a XXXX} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-02-27
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. (GA)

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 : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : 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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

I XXXX XXXX was a victim of identity theft my information was used to open a Discover credit card and I was told by Discover the card was fraudulently used to rent a car using XXXX. After sending Discover a FTC identity theft report Discover responded by saying that the card was connected to XXXX XXXX, which was also not me and was fraudulent yet they blame me for it. Discover is violating my rights and continues to report this account instead of deleting as fraud and removing remarks from my credit. This needs to be removed from my credit immediately. This is frustrating that Im being taken advantage and they continue to REFUSE to remove this from my credit.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (KY)

There were XXXX unauthorized charges to Discover Card. Clicked in DIscover website that these were unauthorized charges. Discover initially gave temporary credit, but then reposted the charges. Discover has not requested any additional information or mailed any documents. ( However there is no additional information since these are unauthorized. ) Tried contacting the merchants but XXXX only allows you to dispute charges made on your own XXXX profile. They recommend disputing directly with your credit card for unauthorized transactions. 

XXXX : XXXX XXXX and provided details of unauthorized charges. Requested additional information from XXXX including the shipping address. Have yet to hear any response.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (DC)

This is my third complaint to the CFPB on the same issue. 

I have been trying to close a checking account with Chase and retrieve my money since XX/XX/XXXX. I submitted a second complaint on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received the check, which is in the amount of nearly {$2000.00}. 

Chase claimed to have sent me a check in XXXX. I never received it, and am increasingly certain that they didn't send it. I've spent hours upon hours on the phone and in bank branches trying to solve this problem. They told me that federal law required that I have a form notarized at a Chase bank. On XX/XX/XXXX, I visited the Chase branch at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The form was notarized and faxed BY THE BANK BRANCH to Chase corporate. They responded to my last CFPB complaint saying they did not receive it, and they closed the complaint without action. I emailed the form to them again directly, per their request. They have not confirmed receipt. I'm going to upload a picture with this complaint for a document trail.

If one of the biggest banks in the world, in partnership with the CFPB, won't give me my money back, what recourse do I have? The press? Another banking regulator? I am utterly shocked that this level of corporate bullying would be permitted in XXXX.
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (GA)

I purchased a car with US Auto Sales. They went bankrupt and we weren't notified that our loans would be sent to a debt collection agency even though we were not behind on the loan. They can not produce any contracts. My vehicle has been picked up twice and I have been given the run around how much is owed, when in fact there was a breech of my contract on US Auto Sales end. WPM has taken my money and has repoed my car.
Consumer complaint received 2024-02-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (FL)

I received a Visa Vanilla Gift card as a XXXX gift in its original, sealed cardboard sleeve. I opened the sleeve just a few days ago and tried to use it on an XXXX purchase and was told it was not a viable means of payment. I investigated and found the card was purchased at a XXXX ( location unknown ) on XX/XX/year> and used in XXXX on XX/XX/year> at a XXXX in XXXX. I live in XXXX as does the person who gifted it to me.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (WI)

I have had my JCPENNEY credit card for almost 4 years and each year they reduce my credit to the exact balance which increases my credit utilization on my credit report. I worked to pay down this card from XXXX to XXXX and now they have reduced my credit limit to XXXX. This makes my credit utilization at 95 %. When I called to see why they said they did an annual review of customer worthiness. I have never been late on a payment or missed a payment, they every year do this and make my credit score plummet. This is unfair and unwarranted.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Starmark Financial LLC (HI)

I believe my information was leaked, and perhaps sold on the dark web. Someone has used my name, and social security number to take out a loan. It is said that I owed {$4400.00} as of XX/XX/year>. I have never heard of XXXX XXXX XXXX XXXX. I believe Im a victim of fraud here, never in my life have I ever taken out a loan.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was in the XXXX  and I had relocated and that I didn't receive most of the pandemic unemployment benefits, and was denied. The claim account number ( XXXX ) I had received this notice stating that my issue was resolved. Bank of America did not Show me any proof of how this was determined, or let me know what I can do to further proceed. I am a XXXX XXXX that has and is being taken advantage of by this Bank. I had received this notice on XX/XX/2023 I also had contacted the XXXX, CA. Police Department to file a report pertaining my situation. I had other complaints but can not locate documents. So as of now I'll proceed with this one. Thank you for your assistance.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

THE DEBT IS SHOWING ON MY CREDIT REPORT AS LVNV FUNDING. I HAVE NEVER HAD AN ACCOUNT WITH THEM. DEBT IS NOT MINES AND NEEDS TO BE REMOVED IMMEDIATELY. THE CREDITOR IS ALSO SHOWING THE NAME AS XXXX.
Consumer complaint received 2024-02-01
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: Upgrade, Inc. (NY)

This account has been on credit report and I'm trying to apply for a loan, I have been XXXX since 2017 and wasn't able to pay this account in a timely manner but when I started receiving my XXXX benefits I paid off the account so I kindly ask that this account be removed from my credit please, I already contacted the credit bureaus and they said I need to contact the lender to remove it Account # XXXX
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

i deposited a check on XX/XX/XXXX in the amount of {$2400.00}. Citizens bank released the first part of the money in the amount of {$260.00} Saturday XX/XX/XXXX. they have stated they are holding the money for ten business days due to risk. This is the second time in about a month this has occurred causing the account to overdraft and leaving me without money to pay bills and seek XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never in my life deposited a check that bounced or gives them any reason to believe releasing their hold is a risk to them, this is an attempt to overdraft the account and force fees because it keeps happening. the same happened for a {$200.00} check that was held for five days. this is excessive and unfair, and should not be allowed. As it stands now the account is overdrafted {$1000.00} thanks to their refusal to release the check hold and give me my money. Two business days i understand, but SEVEN?! on an account thats more than a year old with no bounced checks, thats never had a check returned.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX  XXXX XXXXXXXX XXXXXXXX XXXX