davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

The late payments in question violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1681b, which mandate accurate reporting of credit information and disclosure of permissible purposes for accessing credit reports. Additionally, the creditor 's actions may be in violation of 15 U.S. Code 1666b, which prohibits creditors from treating credit card payments as late under certain circumstances. 

Despite my attempts to rectify the situation directly with the creditor, the late payments remain on my credit report, causing undue financial harm and impeding my ability to access credit on fair terms. I am reporting this because I want to ensure compliance with federal regulations governing credit reporting and lending practices. 

DISCOVER - XXXX
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

On XXXX of XXXX they withdraw from the account they wouldn't take payments from my entire social security check.And I had sent them a cashier 's check dated XX/XX/XXXX for XXXX and they said it was not sent.I had it cancelled and another issued and sent it priority mail and they said it wasn't delivered.They cashed both cashier 's check and my XXXX. Soc.Sec. for account balance of XXXX.On the second of XXXX my card was cancelled.
Consumer complaint received 2023-08-04
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. (PA)

This account is fraud listed below. I demand it is removed from the credit report immediately. XXXX XXXX XXXX XXXX account # XXXX. The FTC report is attached to this complaint.
Consumer complaint received 2020-07-22
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. (CT)

1., XXXX never furnished proof of purchases With Over 5000 of fraudulent charges. This account was a result of fraud and not mine credit. 

XXXX provides a letter in XX/XX/2018 stating that they were unable to verify charges and purchase. 

I never open account with XXXX .A copy was also sent to credit agency and it was never removed item.
Consumer complaint received 2023-04-25
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. (IL)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please deleted the following items : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX Balance : {$840.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

To whom it may concern, Since it required to be anonymous, I will use XXXX as my name. 
I am writing to file a formal complaint against Chase Bank regarding the closure of my debit card account without valid reasoning and the subsequent withholding of funds without proper explanation or evidence of alleged fraudulent activity. 

On XX/XX/, I received notice from Chase that my debit card account was closed, and they assured me that the remaining funds ( {$1300.00} ) in the account would be reimbursed via a check within a two-week period. However, despite multiple inquiries and follow-ups, I have not received the reimbursement or any clear explanation for the closure of my account. 

Furthermore, after a month of waiting, Chase informed me that my account was suspected for fraudulent activity, yet they have failed to provide any evidence or specific details regarding this claim. I have repeatedly requested evidence supporting this accusation and clarification on why my account was flagged, but to no avail. 

I have meticulously maintained my account and have statements that validate regular income deposits ( salary from a university ) and legitimate transactions made using my Chase debit card. My chase Credit score is XXXX and I am still using XXXX credit cards from chase now. I am willing to provide any necessary documentation to assist in the investigation of this matter. 

I am deeply concerned about the lack of transparency and the undue withholding of my funds by Chase Bank. I have made numerous attempts to resolve this issue directly with the bank but have been met with inadequate responses and unresolved promises. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to investigate Chase Bank 's actions regarding the closure of my account and the withholding of my funds without valid cause or evidence. I am seeking assistance in retrieving the funds rightfully belonging to me. 


I appreciate your attention to this matter and prompt action in facilitating the resolution of this issue. Please feel free to contact me at XXXX for any further details or information required for the investigation. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WI)

I was playing a phone game, " XXXX XXXX '' through XXXX XXXX. They had issued refunds ( my withdrawals of money ) to my XXXX account which is reflective on my XXXX account. My credit card company, XXXX Chase Rewards never received the attached refunds. I have been contacting both Chase and XXXX and they continue to point the finger at each other. XXXX says Chase needs to " approve '' the pending authorization for refunds. Chase says it is automated and they do not see any pending refunds from XXXX. I need help. I have had Chase and XXXX speak to each other XXXX times and am calling them every other day. I do not know where else to turn..
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (IA)

In accordance with the fair credit reporting act XXXX Account # XXXX, 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 a account without my written instructions.

They will not remove an unauthorized and unverified hard inquiry.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened up a 360 Capital One checking account after the date of XX/XX/year>, after I read that there was a {$250.00} bonus for XXXX transactions over {$500.00}. On XX/XX/XXXX, I received these XXXX {$500.00} transactions, and my checking account has been frozen ever since. I have not received the bonus, even though I met the qualifications, and I have tried calling the company, to no avail. Its a shame they have a non-existent customer service support chat with representatives.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( XXXX ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Continental Finance Company whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (MA)

This issue was previously filed and resolved in XX/XX/2021 ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account successfully disputed and removed, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in XXXX that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through Jefferson Capital Systems. The XXXX report makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times. It shows as a new collections account and has significantly reduced my credit score.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/ I received a text message from phone # XXXX stating REGIONS BANK N.A. : Did You Attempt A Transaction Of {$220.00} At XXXX XXXX, GA? # XXXX REPLY I/ ( YES ) Authorize ( NO ) Fraud, A Call Will Be Generated To You Momentarily please be on stand by After receiving the message I messaged back NO. Immediately I received a call from a regions phone # with a lady on the line named XXXX. She proceeded to ask me about some transactions that had occurred on my account that was not me being that this is a business account I DO NOT HAVE A CARD FOR THIS ACCOUNT. I ONLY WRITE CHECKS OUT OF THIS ACCOUNT AND PAY MY BILLS ONLINE WITH MY CHECKING ACCOUNT. I proceeded to log into my account with regions coming to find out there had been several charges on my account that said XXXX XXXX Deposit but it was not deposits it was money being withdrawn from my account. SEVERAL DAYS SEVERAL TRANACTIONS. Totaling an amount of {$24000.00} I have been round and round with Regions Bank and have got no answers to where my money went and no answers of when my money will be given back and not one phone call from Regions Bank to talk to me about what has happened. I have called Regions numerous times still getting nothing. This is a lot of money not just {$5.00} and I want my money back and some answers from someone of what is going on. I have opened a new account with Regions and have taken all security measures to prevent this from happening again now I need Regions to do their part and help me get my money back.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

This complaint is re-submitted for complaint # XXXX, which was closed without thorough review. 
It pertains to a promotional offer that I saw on a US Bank 's landing page for checking accounts. US Bank 's website confirmed that I was eligible for the offer by having me to enter my zip code. In one of the 4+ phone calls I've made to the bank regarding the promotional bonus, the representative audibly told me " You're good. They just need to speak to you to verify some information '' after I asked why they would need to call me and if I had not met the offer requirements. This should be in the Bank 's audio recordings. 
US Bank responded to my complaint by claiming that I was not the " intended recipient ''. CFPB should 1. investigate why such offer was advertised on the bank 's website if it hadn't been intended for wide audience. 2. investigate why such offer was confirmed available to the consumer after the consumer entered his own zip code. A print out is attached. 3. investigate who the claimed intended recipient is, and what does it have to do with the zip code? 
This was a predatory scam by US Bank, and CFPB must hold the bank accountable instead of simply dismissing the complaint after US Bank responded. There is a

trail of suspicious issues here!

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Consumer complaint received 2023-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services sent a {$260.00} to the credit bureau on XXXX XXXX XXXX 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefor needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract with the credit collection or other instrument bearing my signature. 

Failing that, the item must be deleted from he report as soon as possible as I am liable for the debt with XXXX XXXX XXXX I do not have a contract with credit collection services inc.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AppFolio, Inc. (IL)

My name is XXXX and have worked on fixiing my credit. as the months passed my score has increased and has got better.I also called them and they told me that its better and a copy was sent Recently I have applied to several apartments and have been denied with a letter and a XXXX LOW credit score. I need help with this
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from Trans-union, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a credit report.
Consumer complaint received 2023-04-21
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One had run my credit and approve! my application and turn around and denied me for the program and left me with a hard inquiry on my credit report two time. dates are XX/XX/XXXX and XX/XX/XXXX. I am requesting for them hard inquiry to be remove form my credit report they are on all the credit reporting, XXXX, XXXX and XXXX.
Consumer complaint received 2023-11-15
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: Atlanticus Services Corporation (PA)

I was late on my payment in XXXX of XXXX to my Fortiva credit card due to an issue with the app. I had forgotten about it after multiple attempts that day. I was notified on the date of my next payment ( XXXX of XXXX ) that my previous payment was late. I then paid {$1000.00} to the credit company instead of the much smaller minimum payment in hopes it would resolve the issue. I have just noticed that this issue has market my credit report with a late payment. I contacted the credit company and requested if it were possible to have the late payment removed considering I paid a much larger sum of money when it came to my attention. I was told that there was nothing that they could do and that the late payment mark will remain on my credit report.