davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MI)

Chase sapphire reserve credit card transaction was declined more than 30+ times in past few weeks, no matter it is {$1.00} parking fee, {$20.00} XXXX XXXX {$4000.00} purchases. Made more than 20+ phone calls with chase XXXX every single time they said it would work for future transactions but apparently nobody was trying to solve and answer the problems. And every time the phone call takes more than 30 mins, from one department transferred to another, some of the cases ( 5+ ) they said they will check the account and call back but they never did. The customer service just followed the procedure and repeat the same saying and hung up the phone if insisted to let them solve the problem instead of repeating they understood the problem or they were sorry to hear that.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I see that you continue to violate my rights and the law by constantly verifying the un-authorized inquiries listed below. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX  XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX  : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

In my last letter I gave you the new and relevant information ( proof that the creditor did not have authorization ) you needed to conduct your investigation. Yet you still verified these inquires. Its troubling that your company continues to violate the law and hurt consumers on a daily basis. The law is clear, if the creditor does not have permissible purpose to pull a credit report, they cant pull. You have failed your responsibilities to me as a consumer and I will explore all legal options that are afforded to me under the law. 

Because of your willful non-compliance, I will be filing more complaints with various organizations. I will also be seeking legal advice on this matter. 

CC : FTC, Attorney Generals Office, XXXX, CFPB
Consumer complaint received 2023-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)

My name is XXXX XXXX XXXX, XXXX, and born on XX/XX/XXXX. 
The company Account Receivable Resources , Inc sent me a letter telling me that it is trying to collect my debt with XXXX XXXXXXXX XXXX  for a service during a preventive XXXX ( the only one done in my life ) carried out on XX/XX/XXXX, and that it should not be charged every 10 years by law. 
I didn't know I could report the undue billing to XXXX XXXX XXXX, and I did so through my XXXX XXXX insurance. 
As I was informed, my medical insurance XXXX made a complaint and approved paying XXXX XXXXXXXX XXXX the amount of {$300.00}. 
Even so, I continue to receive debt collection.
Consumer complaint received 2023-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (AL)

I am writing to formally address the ongoing communication I have been receiving from XXXX XXXX XXXX regarding a debt that has been deemed invalid. I would like to bring to your attention the violations of the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692 that have occurred as a result of your agency 's continued attempts to contact me. 

On XX/XX/XXXX, it was legally determined that the debt in question was not valid and was a result of identity theft. As a result, I did not provide my consent for XXXX XXXX XXXX to contact me in any manner whatsoever, including but not limited to phone calls, emails, or written notices. I have taken the liberty of attaching relevant documentation, including screenshots and the written notice, to support my claim. 

Despite the aforementioned determination and subsequent notice, I have been persistently contacted by your agency between XX/XX/XXXX until today. This continuous communication directly violates my rights under the FDCPA and 15 USC 1692, which clearly state that communication should cease once the validity of a debt has been challenged and debunked.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

The XXXX placed an illegal lien against me in XXXX XXXX when the person holding my power of attorney had entered into negotiations with the XXXX to make payment arrangements and to revise and resubmit my tax filings for the years in question in XXXX XXXX. Per an XXXX agent in XXXX Idaho ... .this filing was in direct violation of XXXX rules and procedures and the lien should never have been placed. The check for payment was then processed by the XXXX for the full amount one week later which means it was probably held up by mail volume at that time. Per my credit check in XXXX XXXX, the XXXX had not released the lien which, even if it was legal, should have been satisfied more than four years ago and reflected that fact on my credit record. It is the XXXX administrative incompetence that has caused this problem and now both Transunion and XXXX are refusing to correct my credit report to reflect 1 ) that the lien never should have been placed and 2 ) that it was satisfied in XXXX XXXX anyway. I submitted documents given to me by the XXXX agent in XXXX and XXXX is saying that it is not enough, and Transunion is refusing to remove it at all from my credit record with no explanation saying it will remain on my credit record until XXXX, when it never should have been made in the first place. So because Transunion and XXXX would rather play nice with the XXXX rather than do the right thing, my credit score is about XXXX pts lower than it should be. I would like XXXX these companies ordered to remove any record of that tax lien from my credit record as XXXX has done. All XXXX companies received the same information and the same letter from me explaining that the XXXX up but only XXXX understood the issue. If they still refuse to remove any reference to the lien, I will be forced to take legal action against them in federal court for deliberate wrongful reporting of a credit record, which is fraud. I am unable to attach the XXXX records at this time but can mail you a copy if you request it.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a XXXX party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous XXXX, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. You have XXXX XXXX to correct the account listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I have been charged XXXX as return check charge in the XXXX statement. I request this charge be waived since the balance due of {$99.00} on the XXXX statement had already been paid in full on time and there was no outstanding balance. 
My bank had sent a check for {$99.00} on XX/XX/23. When I followed up with Cominity Bank customer service, I was advised that the check has not been received and presumed lost or stolen. On customer service suggestion, I agreed they debit my checking account for full payment of {$99.00}. This was done by them on XX/XX/23. 
I am therefore surprised that now customer service is saying they did receive my banks check and tried to cash it. I had of course put a stop payment to prevent loss or fraud. 
I fail to understand why Cominity bank would try to cash the lost check when you had already debited my checking account and there was no balance due.

I also fail to understand why customer service would not advise me before trying to cash the lost check that it had been found by Cominity bank.

Finally I question why customer service did not advise me when I called them to debit my checking account that if the lost check is subsequently found what action Cominity bank would take.

Why am I being penalized for following up on my banks check, making debit payment to Cominity bank on time and why customer service did not advise me in advance of Cominity bank policy if lost check is subsequently found? 
Kindly reverse the return check charge and confirm.
Consumer complaint received 2023-05-02
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. (MI)

I have made several calls, written several letters and sent this same affidavit to Equifax and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can someone help me?
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The personal information on my report is wrong. The only personal information that should be on there is my name and current address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX. Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I went to a XXXX to make a purchase and my card was declined. The team member said I could pay cash and I just paid in cash. I saw the amount charged to my card when I checked my account the next day. I called up the store and the associate said that it was an error and it would fall off in a few days. It never did. 
I filed a claim thinking that it would be obvious that there was a mistake, but the claim ended up being reversed after the initial courtesy credit. I've reached out to XXXX for assistance but was told to contact my financial institution which puts me in a conundrum. Just wish the bank would do more due diligence or there end. Aside from that I have no complaints about Wells Fargo and will just use my credit card next time I make a big purchase.
Consumer complaint received 2023-12-12
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. (NY)

I've observed several deviations from mandatory reporting standards, casting doubt on the accuracy and completeness of the data in my report. Consequently, I refute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. 

In accordance with XXXX XXXX XXXX, " 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. '' Furthermore, XXXX XXXX XXXX XXXX ( Regulation XXXX ) mandates furnishers to : Furnish information about accounts or other relationships with a consumer that maintains integrity. 
Furnish accurate information about accounts or other relationships with a consumer. 
XXXX reasonable investigations of consumer disputes. 
As stipulated in the XXXX, to make a lawful report, adherence to XXXX XXXX compliance standards is essential. Any deviation from these standards jeopardizes the integrity of the data, impacting the accuracy of federally regulated reports. 

Hence, I am exercising my rights to challenge these inaccurate and non-compliant items. Failure to address my demand would indicate a disregard for my consumer rights. It is unjust for you to report information that lacks confirmation of ethicality and fails to meet certified reporting standards. Once again, I challenge these claims and request proof of adherence to proper reporting standards. 

Your actions constitute a violation of my rights, as outlined in this document. The incomplete nature of your reporting does not align with legal standards. You must certify all aspects of required XXXX XXXX XXXX truthfully, correctly, in a timely manner, and completely. Failure to do so XXXX compel me to escalate these issues to the CFPB, FTC, and my Attorney General.
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Reopen XXXX. Chase has not released any funds based on past written correspondence. Chase is in violation of DEED OF TRUST. Chase has provided zero guidance as to the terms of how the funds to make repair are to be released as requested by 3rd parties.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-25
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: Block, Inc. (CA)

A CashApp account was opened under my name. I received a debit card that I did not sign up for. I tried to contact CashApp online by using the support link. Since I do not have an account with them, I can not contact them. I sent them a message on their official XXXX in regards to this fraudulent account. I have never been contacted. Today I received another debit card with another number.
Consumer complaint received 2018-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (TN)

On XX/XX/2018, I spoke with an XXXX XXXX representative to set a Promise To Pay starting on XX/XX/2018 for the amount of {$50.00}. The agent agreed and stated the the arrangement would extend through XXXX but will go back to the original agreement in XXXX. 

On XXXX XXXX I paid the agreed upon {$50.00}. I began receiving harassing collection calls including robo-calls at least 4 times per day. On XX/XX/2018 I called XXXX XXXX and asked that the calls stop. The representative was extremely rude and stated that if I were placed on the " Do not call list '' my bank account would be automatically debited for the outstanding amounts. I stated that I have not authorized XXXX XXXX to automatically retrieve funds either by direct debit or ACH transfer and that I am revoking any access to said bank account. On XX/XX/2018 I paid {$100.00} towards my loan. On XX/XX/2018, XXXX XXXX made an unauthorized debit from my bank account in the amount of {$120.00}. 

On XX/XX/2018, I called XXXX XXXX and the representative stated that she can verify that I had an active " Promise to pay '' that had not been broken and that I had asked to be placed on the " Do not call '' list and that I had " Revoked '' any access to my bank account. I was placed on a repeated hold so that she could reach out to the correct agent as she was not in the department that could resolve the issue. 

Because she was unable to reach the correct department, she stated that I would receive a call back. I never received a call. On XX/XX/2018. I once again reached out to XXXX XXXX but once again received the run-around and no one will return my calls. On XX/XX/2018, I was notified by my bank that XXXX XXXX made another attempt to debit my account this time in the amount of {$140.00} but was refused due to insufficient funds.
Consumer complaint received 2023-12-12
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX I went on a run and lost my phone which has my bank account app on it, which in turn has XXXX built into the bank app. I was able to retrieve my phone on XX/XX/XXXX, however, I found someone had authorized a XXXX transaction on XX/XX/XXXX within my bank app of {$360.00}. The payment was sent to an email that I have tried to contact with no response. I filed a complaint with my bank and have been denied. This was not an authorized transaction whatsoever and would appreciate my money back. XXXX is a great tool for family and friends, but unfortunately, I have now learned it's a great tool for thieves as well.