davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

On XX/XX/24, I received letter in my mailbox from BestBuy/Citi 's fraud verification department asking me to call in to verify if I was the person who opened the credit card account. I called in and told them very clearly that I DID NOT open any account with them and it must be fraudulent. They said they will close it immediately. 
On XX/XX/24, I received a letter dated XX/XX/24 that they will investigate on this fraudulent account. On the same day, I received a statement letter asking me to pay the amount of {$1000.00} that was used on XX/XX/24. 
On XX/XX/24, I received a letter dated XX/XX/24 stating that they have finished investigating and hold me responsible for the statement because they said they can not verify that the account was fraudulently opened using my personal information. 
On XX/XX/24, I called to to complaint this issue to ask them to reinvestigate, no response. 
On XX/XX/24, I called BestBuy/Citi again because the account is showing up as a delinquent account on my credit report. I have successfully disputed with the credit bureau. But BestBuy/Citi is not taking any actions and want to hold me responsible for them not doing their job correctly. 
On XX/XX/24, I called again and had them reopened my case. 
On XX/XX/24 today, I received a letter dated XX/XX/24 saying that they can not verify that the account was fraudulently opened using my personal information. I also received a new statement from BestBuy, having the total of {$1200.00} due to all the " late fees ''. 

Other than BestBuy/Citi bank , my identity was used fraudulently for XXXX and XXXX XXXX as well , but they were all able to solve the issue except for BestBuy/Citi. I did not even know about these accounts until I start receiving letters in my mailbox. 

As of now, BestBuy/Citi keeps on sending me letters and statements that I should not be responsible for, I want this issue to get resolved.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts on my credit report has violated my rights : XXXX XXXX XXXX, Account # XXXX, for the amount of {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, for the amount of {$730.00} XXXX : Account # XXXX XXXXXXXX, for the amount of {$520.00} 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 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (FL)

My fixed rate was changed to a variable rate. I did not receive mail that they insist that they sent. Because rate was FIXED, I did not think it could be changed to variable as long as I kept my account current. This practice is very deceptive and even though they responded to my complaint ( surprise surprise in their own favor ) I want CFPB to please review what happened and suggest changes so that other consumers do not fall victim to this type of deceptive practice. 

Fixed means fixed. My fixed rate mortgage will remain fixed for the entire term. Why would the average consumer have any idea to question that it is any different with credit cards? I never looked for any changes because by signing up for a fixed rate card I did not expect that it could be changed to a variable rate. Chase says they sent me a letter and an update years later but I did not get their mail. I didn't but what if I were to say I got it and sent it back asking them to opt out? If the mail was misdelivered, lost or stolen they would have the same frustration I have now, but they are bigger and they hold the cards so I would be told that since they did not get it that I am out of luck I am sure. Everything is situated to benefit them and that IS NOT FAIR to consumers. 

Cardholders are required to sign for the initial terms of the card, so why are they to opt out if they do not agree with changes that are set to benefit Chase? My theory on this is that there are predictable amounts of people who will not receive their mail or not reply to their 'notice '. They can predict increased revenue based on this alone and the people who don't opt out who really want to keep it ( even though it is not in any way benefitting them ), is just more profit for them. The cardholders best interest is not of their concern. They are already making money on the accounts but this just allows them to strong arm more money from their customers. Very unfair. 

With this premise, would it be ok for me to send them a letter, not registered, no proof of receipt etc telling them that I am going to quit paying my card and that they agree to write off my debt if they do not reply in 45 days. If they do not reply in 45 days I can then tell them and the credit bureau that they did not opt out of my proposal and I can then be free and clear of my debt?
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (WI)

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 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 2024-05-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

I received a letter from HRRG claiming I owe an alleged debt. I do not have any contract with them. 

This communicaton is with reference to the alleged contractual relatonship, I have a right to an authenticated record of accounting of all accounts. I am not requestng a statement of account, for an authentcated record of the accounting. I am hereby disputng the alleged debt, and to require that you provide the requested information within the time allowed by law, which is 14 calendar-days. I do wish to thank you for your time in providing this information, which is readily available to you as the custodian of records, and/or the collective entity. Please note that each day beyond the 14th calendar-day of receipt of this communication I will BE assessing a {$33.00} per day penalty for your failure to comply and/or {$1000.00} per month, whichever is greatest. I have the right to this information as indicated by the Uniform Code. 

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities associated with my financial record. 

As noted above you have a duty and/or obligation to respond with the appropriate information within the time frame allowed and or permitted by law, in conjunction with other related laws and/or statutes of limitations. Because this is associated with a debt that is being reported the following principles associated with my rights applies respectively, THE FAIR DEBT COLLECTION PRACTICES ACT, THE FAIR CREDIT REPORTING ACT, and/or THE TRUTH IN LENDING ACT.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (PA)

I am attempting to secure a car loan but there is a fraudulent collections account on my report. It shows Transworld added this to my credit report on XX/XX/XXXX for an account with XXXX opened on XX/XX/XXXX. This is a Maryland based company and I moved to PA in XXXX. This is not a real account. I called the XXXX # provided by Transworld on the credit report XXXX and it goes to a gift card scam. I explained why I was calling and they hung up on me. This has been reported at fraud with XXXX as well. 
There was not account # given for reference
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Got a copy of my credit report and it shows Chase was 180 days late. This was part of a loan modification in which has now been made current but is not reflected on my credit report. This needs to be updated. 

Also Chase was a second line of credit which was settled and is reflected on the credit report but should have been removed from the report by now. The account was settled back in XX/XX/XXXX. 

Last in XX/XX/XXXX XXXX credit card shows a 30 day late payment. This was due to a mistake on XXXX  who sent my bill to the wrong location. The bill was paid and i was told it would not be reflected on my credit report but it is.
Consumer complaint received 2023-03-10
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. (FL)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX Account Number : 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
Consumer complaint received 2023-09-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need this information to be completely deleted from my history because it is not mine, it XXXX  me
Consumer complaint received 2023-12-05
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: EQUIFAX, INC. (FL)

I recently checked my credit report and noticed that there were a late payment reporting from XXXX XXXX XXXX On XX/XX/ I contacted The issuer they stated all my payments were on time and that it was the reporting agencies reporting in accurate information you have violated the United States code law tila 15 U.s. code 1666 ( b ) billing error as a consumer by law these accounts need to be updated or deleted immediately. Or I will seek monetary compensation for violating my rights in Small claims court in my city and state under 15 usc 1681n. Civil liability because Ive been violated
Consumer complaint received 2024-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Ref : XXXX XXXX XXXX XXXX XXXXXXXX florida XXXX My complaint is with pennymac. 
A couple months back, Due to my health and job I apply for mortgage assistance. Which allows me at 1st To pay less than what I owe per month and then To defer my payment.down the road. During a recent credit check, on mine and co borrow on the mortgage notice late payments being reported. When speaking to customer service they never mentioned that was being reported. Because that was one of the questions that we did ask. They said penny mac was here to help me with the mortgage for now. Tell me about the program that we could apply for. Send in all the necessary paperwork. Yes the process took time because they kept asking for more additional paperwork. When everything was given from before. They did at the beginning.Make it more difficult For us to get on the program. Even when it was reported a while back loss of income. They did not make it easy for us to apply for this program. Now those late payments are hurting us. Even though we was told we was on the program and was not gon na be reported. Even we was told by customer service while we was working with them.Nothing was going to be reported. They destroyed my credit report and the co borrower 's credit report at the same time. Customer service misinformed us with uncorrect information. Even while on the program I still got calls to pay. Seems they misinformed customers about the program they offer, how it works and what to expect. I just want them to work with us. Knowing I had a loss of income. Provide the correct information. 

They tell us we are on the program and it appear we are not. It's very confusing. Because they got all or paperwork, each rep said we are on the program. That we was approve. Yet they are reporting us late. 

Then we find out today we was never on the program. When we was told we were before.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX TX Consumer Financial Protection Bureau Dear XXXX, I am writing to file a formal complaint against Discover Credit Card regarding their handling of a dispute regarding a fraudulent charge on my account ( Discover Case # XXXX, Reference # XXXX ). Discover hastily rejected my dispute, leaving me unfairly liable for a fraudulent transaction. 

On XX/XX/2024, my Discover Credit Card was charged for the purchase of a XXXX ticket. However, upon reviewing the transaction details provided by Discover, it became evident that the passengers ' names associated with the ticket were not recognized by myself or anyone in my household ( Reference # XXXX ). This discrepancy strongly suggests that the transaction was fraudulent and unauthorized. 

Furthermore, I would like to highlight that during the time of the transaction and the flight period, I was physically present in Texas, as evidenced by other credit card transactions made with my XXXX XXXX ( XXXX ) and Discover cards ( Evidence # XXXX and Evidence # XXXX ). This clearly indicates that I could not have been the one to make the purchase in question. 

I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter fairly and promptly. I kindly request that you intervene on my behalf and compel Discover to revisit my dispute with the seriousness and thoroughness it deserves. 

I appreciate the CFPB 's commitment to protecting consumers like me, and I trust that you will take the necessary steps to ensure a satisfactory resolution to this issue. I am available to provide any additional information or documentation you may require assisting with your investigation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Attachments : Reference XXXX : Discover rejection notice. 
Reference XXXX : Fraudulent and unauthorized transaction details. 
Evidence XXXX : XXXX transaction during the fraudulent transactions period. 
Evidence XXXX : Discover transaction during the fraudulent transactions period.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY (FL)

Good day to whoever is resolving my issue. I just wanted to report my credit card companies that violated my rights by giving third party accounts my information. They also violated my privacy under the Fair Credit Reporting Act, which is law 15 U.S.C. 1681-1681x. If you need me to provide the account names and numbers to resolve this issue please let me know ASAP.
Consumer complaint received 2024-05-05
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: Bread Financial Holdings, Inc. (TX)

I did not authorize these companies to run my credit. I want these inquiries deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Capital Big Lots Comenity Capital XXXX Comenity Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15USC 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 instruction 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA (NY)

In XXXX I sent FNBO a bill of exchange to settle my credit card account. They responded after 60 days and said they couldn't be accepted because they only take US Dollars, which is against public policy. HJR 192 states one can not determine what form of currency that they receive. FNBO has since closed my account and are saying I owe a debt which they've admitted that they received.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (GA)

I have had an account with square for over 4 years. They randomly profiled me and froze my money then after they froze my money they shut my account down with negatively and adversely affected me and my empoloyees. They are holding my funds and refuse to reopen my account.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMO Bank, N.A. (TN)

I am writing to file a formal complaint against BMO HARRYS BANK regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. On XX/XX/year>, I submitted a complaint requesting that BMO HARRYS BANK remove their reporting to XXXX XXXX which has errors and incorrect information about me that is preventing me from opening a new bank account, but my request was mostly ignored. They provided a number to call to discuss the matter but my calls and voicemails were never answered. I'm requesting that BMO HARRYS BANK rectify the information that they are reporting to XXXX XXXX or remove their reporting. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. On XX/XX/year>, I notified BMO HARRYS BANK that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in XXXX XXXX XXXX XXXX and I have retained documentation of my communication with BMO HARRYS BANK. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that BMO HARRYS BANK has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that BMO HARRYS BANK complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations.
Consumer complaint received 2024-04-12
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. (UT)

Delete hard inquiries
equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX