davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting 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: EQUIFAX, INC. (MA)

My XXXX and Equifax credit reports arent being updated, please add my current address to my credit report so that my credit report can be updated. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

cc : Consumer Financial Protection Bureau, Complaint ID XXXX We can confirm that we received a secure message on XX/XX/XXXX, but we did not receive any alert through e-mail. 

On XX/XX/XXXX, we sent the updated beneficiary name to Chase through secure message. On XX/XX/XXXX, we received a response back informing us that the amendment has been forwarded. 

As of XX/XX/XXXX, we don't know whether the updated beneficiary name was accepted and the funds were applied.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have tried for two years to cancel my XXXX XXXX small business credit card with bank of america that was secured with a {$2500.00} certificate of deposit. After the credit card graduated to unsecured, they refused to refund the CD and were not able to close my card. I have had to pay the annual fee for the past 2 years on this card that I do not want, and I have not been able to get my {$2500.00} for the CD back from bank of america. Every time I call they have some new excuse and tell me to call back in a week or just hang up on me.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Im trying to move on with my life after someone stole my identity all I ask of this company is to protect my rights as a consumer in follow the 15 USC 1681 there should not be any damages on my report it is a defamation to my character Im providing proof of my address
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AL)

This is Bizarre!!! On XXXX XXXX I opened a Checking Account a Savings Account and a Credit Card with XXXX XXXX XXXX. I linked up with all other Banks and Accounts of mine. I tried XXXX times to do the CITIBANK VERIFICATION OF ACCOUNT. Nothing happens. They ( CITIBANK ) doesn't even get back to you. They are an absolute XXXX XXXX. I have been unable to pay my Credit Card with CITIBANK. I've even sent a transfer from XXXX XXXX to CITIBANK for {$100.00} and it's never POSTED!!!!!! 
They do not even respond to a customer. You call them and your connected to a XXXX  CALL CENTER. Totally worthless. I've never experienced anything like this with any Bank. Citibank is a XXXX XXXX. My Account is in Perfect Order. I've paid all my payments on time. I have PERFECT CREDIT with all 3 Credit Bureaus. That's a Fact.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Per XXXX XXXX and the records.. The Walmart account did bot contain any of my personal information except the Social Security number was off by one digit which allowed my social security number to be on the account. Synchrony has corrected the Social Security number on the account and the account should be removed from my credit within 30 days. But the collection agency is refusing to deleted from my credit even thout I provided a letter from Synchrony bank stating that this is not my account. XXXX XXXX keep reporting it the XXXX and all of the credit bureaus. I tried to explained to them that this is not my account they confirmed that they have the letter I submitted to them on XX/XX/2018 from Synchrony clearing my name and social security but, they are mean and rude and won't deleted from my credit. I'm in the process of buying a house and this is affecting me big time. XXXX XXXX XXXX last reported it to my credit on XX/XX/2018 after knowing that is not my account.
Consumer complaint received 2023-04-25
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)

RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS ARE IN VIOLATION OF THE LAW. I NEVER RECEIVED ANY STATEMENTS FOR THE FOLLOWING ACCOUNTS WHICH IS IN VIOLATION OF US CODE 1666 ( A ) A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. UNDER 15 USC 1681 ( A ) 4, A CONSUMER AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS AND RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. XXXX XXXX XXXX XXXX - XXXX - STATUS PAID AND CLOSED XXXX XXXX  - XXXX - STATUS PAID AND CLOSED XXXX XXXX - XXXX - CHARGED OFF - STATUS PAID AND CLOSED XXXX XXXX BANKRUPTCY DISMISSED - REFERENCE NUMBER XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

A certified mail was sent to Credit control corporation on XX/XX/2023 to validate the debt. The Letter states the following : Dear Sir/Mam, Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Chase denied my claim! There whole fraud operation team is just over seas XXXX workers! They dont understand the scams that happening in the XXXX XXXX They denied my claim- XXXX if I am not refunded for this I will be opening the biggest lawsuit you have ever seen.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: EQUIFAX, INC. (FL)

his is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/2021 XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I disputed a transaction I made with the XXXX XXXX XXXX because I have had fuel reader issues twice and upon inspection with my insurance company the windshield was damaged in multiple places, but only one is noticeably visible. Because I lost the dispute and it went over my credit limit they closed my card, which is going to negatively impact my credit score.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (NC)

Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX is in Violation of The Fair Debt Collection Practice Act 15 U.S.C 1692 against me, XXXX XXXX as of XX/XX/2023. On XX/XX/2023, it was brought to my attention that Asset Care LLC furnished negative information to the Credit bureaus against my XXXX XXXX XXXX, in violation of 15 U.S.C 1692 ( a ). See. Attachment.

I XXXX XXXX never received notes of this alleged debt from Asset Care LLC in violation of 15 U.S.C 1692 ( g ) ( a ) and was never afforded the opportunity to dispute this alleged debt in violation of 15 U.S.C 1692 ( g ) ( b ). This negative reported information has grossly affected my ability to borrow money from any Finincial Institutions and has affected my credit worthiness.

Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Texas. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Asset Care LLC Sincerely, XXXX XXXX
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

his is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/, I submitted an application to American Express ( AMEX ) for an American Express Business Platinum Card. The amount was not determined. On that same day, my consumer report ( credit report ) was accessed by AMEX. After checking the FCRA, CFPB, U.S.C./CFR, and AMEX SEC filings, I began to reach out to Investor Relations Division, then specifically asking for the Chief Risk Officer, XXXX XXXX via voicemail. Not response has been given. Issue : According to the FCRA ( 15 U.S.C 1681 which holds authority under 16 CFR 602 ) denying or causing negative impact to a consumer report is adverse action ( section 603 ). I had not expected my credit report to be requested via third party because I offered my SSN. I was never notified of any adverse action information including ( 1 ) name, address and number of CRA ( 2 ) statement that CRA did not make this adverse action ( 3 ) Report is accessible for AMEX by CRA for 60 days ( 4 ) The right to dispute the information obtained by CRA. ( Section 615 ). Section 605A ( h ) has limitations imposed for obtainig a report for certain circumstances, including to establish new credit for a consumer. These are the deceptive and fraud acts spoken to be prevented by the CFPB in the AMEX SEC Filings. On page 17 of AMEX SEC Filings under the Consumer Financial Product Regulation states it is authorized to collect fines require consumer restitution in the event of violations '' ... ... '' promote availability of financial services to underserved consumers and communities ''. I am looking to speak with someone to receive remedy.
Consumer complaint received 2023-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (HI)

Hello, I'm requesting a collection from Common Wealth Financial located in XXXX XXXX PA to remove a collection from my XXXX credit report for {$2900.00}. The original creditor is XXXX XXXX XXXX. Back in XXXX I was a victim of XXXX XXXXXXXX and I have a XXXX XXXX against my ex husband. I had to be transported to the ER I believe in XX/XX/XXXX and I paid my ER bill. I never received an ambulatory bill. It's now XXXX and it's showing up on my credit. The XXXX XXXX case number is XXXX.
Consumer complaint received 2022-12-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (GA)

NCB XXXX placed this account on my credit report on or around XX/XX/2022. In XX/XX/2022 I contacted NCB and stated the issue related to this account and were advised to mailed all my supporting ( fraud ) documents in for review in which I did and all were received on XX/XX/2022. I have contacted NCB several times related to such, I am getting the run around ( advising me to call back on different days, speak with mgt, account on hold ). 

On XX/XX/2022 I called in at or around XXXX and a agent advised me a member of XXXX was not in and to call back within 30 minutes in which I did and spoke with a XXXX, he advised me an email was sent over to XXXX and to call back in 24hrs.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I am compelled to lodge an urgent and serious complaint against Nissan for their mishandling of my credit account, resulting in erroneous late payment entries and a failure to update my personal information, actions that constitute a violation of my consumer rights and the Fair Credit Reporting Act ( FCRA ).

Background and Immediate Issues : Account and Reporting Details : The account with Nissan has been inaccurately reported with late payments. This misreporting is not only erroneous but has unjustly impacted my credit score and financial standing.

Failure to Record Updated Address : Despite proactively informing Nissan of my change of address following a significant incident of mail theft, they have failed to update their records accordingly. This neglect has led to misdirected communications and contributed to the inaccurate late payment reporting. 
Identity Theft and FCRA Violations : Unauthorized Actions and Identity Theft : As per the U.S. Department of Justice 's definition, identity theft involves unauthorized use of personal information. The failure of Nissan to update my address, coupled with the reporting of late payments, aligns distressingly with such a definition, suggesting a misuse of my personal information without my consent. 
FCRA Standards Violation : Accurate and fair reporting of credit information is a cornerstone of the FCRA. The actions by Nissan, marked by negligence and misreporting, are in blatant violation of these standards. 
Key Concerns and Legal Implications : Disputed Late Payments : The late payment entries on my account have been disputed and acknowledged as meeting FCRA requirements. However, the lack of resolution is deeply concerning and indicative of Nissan 's non-compliance.

Increased Vulnerability to Fraud : The continuation of sending sensitive information to an outdated address, particularly after my notification, significantly heightens my risk of identity theft and financial fraud.

Emotional and Psychological Toll : Beyond Financial Damage : The mishandling of my account by Nissan has inflicted significant emotional and psychological distress, exacerbating the sense of being victimized by their systemic failures. 
Demand for Immediate Corrective Action : Rectification of Credit Report : I demand the immediate deletion of the false late payment entries from my credit report and the acknowledgment of my updated address information. 
Call for Accountability : The negligence and apparent identity theft actions by Nissan necessitate your urgent intervention. Their failure to adhere to FCRA guidelines and protect my consumer rights should be met with appropriate repercussions. 
Your immediate attention to this matter is imperative. The resolution of these issues is not only critical to my financial well-being but also to the integrity of consumer rights protections.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc (CA)

I believe my first payment date was on XX/XX/XXXX of this year. I called two days prior to make a payment. When trying to make a payment over the phone with affirm I was told that it was an error in affirms system. I was told to call my bank and make sure they take payments from affirm, they told me everything was fine on my end and it was a error with them. I called back and told them this, the employee specifically told me he would put it down in the notes and that my payment history would not be affected by this since it was an error in there system. He told me I would be receiving a call back about the error in the system. I was told that all the calls were recorded so this one defiantly should have been. A couple week go by and I call again, and I am told the same exact thing. So at this point I am just waiting around to see why In not able to make a payment. I kept being told that I would not be affected because it was not my fault. Finally after talking to several managers I finally talked to one way in XXXX who finally gave me a solution. By this time I had already requested credit disputes because my payment history was shown as I was missing payments when I could not make any from the start. I was told by multiple managers that I would be receiving a credit dispute for this cause but when it came down to it they kept making excuses on there end. In XXXX finally a manager gave me a solution to pay a different way since I did not have another card. They told me to try with my actual account number, and that finally worked. So I payed the months prior, and was told I would be receiving a credit dispute for this inconvenience. Again a couple weeks later I was told the case was closed and that I was not able to receive a credit dispute, I called back and requested the company to trace the phone calls were the evidence were plus the notes but I have yet to receive a credit dispute.