davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

I did not authorize XXXX XXXX to automatically deduct Chase credit card for {$610.00} on XXXX21, for a timeshare promo week. I paid them {$290.00} for 4 nights to take the presentation. However, I was 5min late and they automatically deducted an additional {$610.00}. Since the room was not cleaned until XXXX at night, they refund {$200.00}. I called 4 times and ask them to refund my money that was taken, and I will take the presentation. I stayed with family in Florida another week. They said no, I have to be on vacation. Next, Chase say " I knew what I was getting myself into going on a presentation. '' I appeal the decision with a letter XXXX the day I signed for the presentation not saying anything about automatic deduction.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2021-06-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am sending this CFPB complaint because I am very unhappy that XXXX, Transunion & XXXX  are reporting information on my consumer report that I did not give them permission to report. Thats the first violation of my consumer protection laws. The next violation is FCRA 15 USC 1681 states the consumer reports can NOT include any of the following Credit transactions arising from my credit card. My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ). The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed on these letters. 
I am the original creditor due to the fact that I extended the credit to the corporation. The corporations can NOT validate or verify any accounts because they are not a natural person. I demand that you delete all the accounts I have listed on the letter or I will be filing for litigation!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX Bank XXXX. - Ending with XXXX XXXX XXXX XXXX Bank XXXX. - Ending with XXXX XXXX XXXX XXXX Bank XXXX. - Ending with XXXX XXXX XXXX XXXX Bank XXXX. - Ending with XXXX XXXX XXXX XXXX Bank XXXX. - Ending with XXXX XXXX XXXX - Ending with XXXX XXXX - Ending with XXXX XXXX - XXXX with XXXX XXXX - Ending with XXXX
Consumer complaint received 2021-06-19
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. (DC)

XX/XX/2021, i sent my first dispute to Equifax asking them to furnish all information that could tie me to the debt they claimed I was liable for. They failed to do so and closed my dispute stating the information was " VERIFIED '' but failed to state how or show me any original documentation. On XX/XX/XXXX i sent my second dispute to Equifax again asking them to furnish all documentation such as original contracts, signatures or an agreement I agreed to involve this debt as well as to complete an independent investigation and not a computer response. According to the USPS, they received the letter on XX/XX/XXXX but It been over 30 days and I have not received any documentation or status regarding my second dispute. I checked my credit report to see if there was a credit dispute update on my file and there was none which leaves me to believe they did not even do an investigation this time. Lastly, on XX/XX/2021 I sent a 30-day nonresponse letter to Equifax with a copy of the letter I sent them on XX/XX/XXXX showing proof of my dispute.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CO)

We use a Capitol One card to purchase a trip to XXXX with XXXX. Due to COVID-19 the trip was unable to happen. The flights were canceled by the airlines that were booked. Just Fly says the money was refunded, but it never was. We reached out to Capitol One and disputed the charges. We were issued a refund. A couple of weeks later Capitol One then allowed XXXX to reissue the charges, which also prove that XXXX never issued the refunds that they said they issued.
Consumer complaint received 2021-06-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I am sending this CFPB complaint because I am very unhappy that Equifax, XXXX & XXXX  are reporting information on my consumer report that I did not give them permission to report. Thats the first violation of my consumer protection laws. The next violation is FCRA 15 USC 1681 states the consumer reports can NOT include any of the following Credit transactions arising from my credit card. My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ). The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed on these letters. 
I am the original creditor due to the fact that I extended the credit to the corporation. The corporations can NOT validate or verify any accounts because they are not a natural person. I demand that you delete all the accounts I have listed on the letter or I will be filing for litigation!
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (RI)

Open an account on the Chase Bank at XXXX RI XXXX XXXX branch. Deposit XXXX, receive my ATM card 7 days after opening but when I tried to use it on ATM stations it gives me a Restricted funds message. I received a SS number verification form that was submitted through a Bank official on XXXX XXXX of XXXX however the funds have not been unrestricted. I don't have access to buy, retire money from my account in an ATM machine or make withdrawals in the Bank branch. I have not been able to solve this situation either by phone or in person at the bank. It has been 12 days now since I made my deposit and funds are still not available
Consumer complaint received 2023-03-09
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX
Consumer complaint received 2016-01-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: J.S Resolution Group, Inc. (WA)

I have been receiving phone calls from J.S Resolution Group , Inc. 
for a loan that was included in a chapter XXXX bankruptcy. I attempted to give my attorneys information to the person calling me and they started yelling and hung up on me. They said they were going to sue me and garnish wages. 

I have also contacted Washington State attorney Generals office and filed a complaint and that complaint was resolved. They stated that they knew I was in BK and they would stop calling me. This was XXXX 2015. Today I received a threatening call at work and started receiving threatening voicemails about being sued and garnished wages. This is not okay and needs to stop. I have taken the action that I am responsible for, and they could have responded to the BK paperwork and been included in the payment plan. 

I have received calls from XXXX, XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Based on, 15 U.S. Code 1681cXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer I am demanding the deletion of the accounts listed iMMEDIATELY.
Consumer complaint received 2017-05-18
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. (IL)

There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 times  explaining the info is inaccurate. Equifax constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (CA)

I attempted to contact the company in XXXX with no resolution. I sent identity theft reports to all XXXX credit bureaus. Police report remains on file with the XXXX XXXX XXXX XXXX. 
I have attempted to over & over to resolve this account which does not belong to me! I am the victim of identity theft & this account with ACIMA CREDIT need to be removed from my credit file immediately.
Consumer complaint received 2022-02-21
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)

On XX/XX/XXXX I contacted Equifax about the following fraudulent accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$110.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$0.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3200.00} ), XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$620.00} ). If necessary I have the certified mail receipts for the dispute I send them. The dispute is attached. Equifax have not responded to the dispute or correct the errors on the report from these 5 accounts.
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solidus Group LLC. (CA)

Myself, family and my ex husband have all been receiving multiple calls per day from a company identifying themselves as XXXX with a contact number of XXXX. Per this company I have an outstanding payday loan from a company called XXXX XXXX, that was taken out in 2011 in the amount of {$400.00} and a formal complaint has been filed against me. No such loan exists and I 've asked them to stop calling me and my family, but they keep calling. I am also concerned that they know who I bank with and know the last XXXX of my SSN. The rep I spoke with wo n't tell me what XXXX stands for.
Consumer complaint received 2021-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MI)

I am opening a consumer complaint against MRS BPO , LLC for a debt that was opened due to identity fraud. On XX/XX/XXXX, I opened a dispute with XXXX  Credit Bureau regarding unfair and inaccurate debt reporting. MRS BPO , LLC. continues to report a collections account on my credit file with XXXX  see attached documentation. On XX/XX/XXXX, I received an alert on my XXXX  credit bureau monitoring services of a collections account from MRS BPO , LLC. for a debt I have no prior knowledge of. According to the data provided to the credit bureaus, this account was placed for collections on XX/XX/XXXX ; however, I never received any communication from this company before the account was added to my credit report. 

As a result, I called XXXX  Credit Bureau to dispute the account. I noticed the address associated with the account was XXXX XXXX XXXX XXXX NC XXXX. I have never lived in North Carolina and have been a lifelong Michigander since XXXX. Upon being notified of the additional address on my credit file, XXXX  removed all references to the account and the North Carolina address, leaving XXXX  as the only credit report in which this fraudulent account remains. 

On Tuesday XX/XX/XXXX, I sent MRS BPO , LLC. a debt validation letter disputing the debt and notifying them of the fraudulent activity via US mail ( copy of the letter attached ). As of XX/XX/XXXX, I have yet to receive a response from MRS BPO , LLC. regarding this debt. 

I have a stellar payment history current on all payments for 19+ years and have always paid my debts on time. I have never lived in North Carolina and have not had an account with the original creditor ( XXXX XXXX XXXX XXXX ). By listing an account that is knowingly fraudulent with an incorrect balance and falsely updating this information monthly with XXXX, MRS BPO , LLC. is violating the FCRA and FDCPA. 

I ask for your assistance in remedying this situation by having this account removed from my credit report. MRS BPO , LLC. must correct their records and cease all debt collection on this unverified, invalidated, and fraudulent debt. I greatly appreciate your assistance in resolving this error and removing this blemish from my account. Please feel free to contact me with any questions. 

**Please note this is the second attempt from a collection agency to collect on this fraudulent account - The first attempt was from XXXX XXXX XXXX XXXX I have notified all three credit bureaus of this via written and telephone communications. **
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP (CO)

I was selling some speakers on XXXX XXXX  and someone messaged me saying they were interested in buying them and that he would XXXX me the money it turns out that guy was a scammer and did a fake XXXX account so that I could send him my money and not get my money refunded like he said. I called my bank and told them I wanted to file a dispute but they said they couldnt do anything about that because it was a XXXX transaction and that they couldnt return my money
Consumer complaint received 2021-06-21
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: SYNCHRONY FINANCIAL (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Screening Reports Inc. (NJ)

I have never been evicted. The report done by Screening Reports shows XXXX eviction notices. XXXX notices are the result of the rental company filing paper work too quick and not giving me a chance to take care of things. The XXXX from XX/XX/XXXX was quickly rectified, we never went to court. The XXXX from XX/XX/XXXX was a mistake. I gave the landlord written notice of my intentions and the next day I received confirmation of this information. I left when I said I would. Several days later I received a intent to evict. I called the landlord and they said they would take care of it. If they would of taken care of it there would be NO record on my report. I explained this to Screening Reports. They told me, " there was nothing I could do about it and it would be there for XXXX years. This is not fair. I was never evicted. I fell behind XXXX and now I am unable to find a place for my son and myself to live.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I paid my   XXXX   2017   payme nt on  X/XX/17 .  I paid my   XXXX  2017    payment with  XXXX  on     X/XX/17  and   XXXX  on  X/XX/17   . Ocwen put both payments in a suspense account and did not apply them as a payment. I sent  XXXX  on  XX/XX/XXXX  and  XXXX  on   XX/XX/XXXX  a nd Ocwen returned both of them stating that I was 3 months behind on my mortgage and had to pay the entire balance at  one  time. They still show I have  XXXX  in a suspense account but give me no credit towards the balance needed to be paid. They have assessed fees over  1000 because  I am  three  months behind.
Consumer complaint received 2022-09-12
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. (NJ)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$360000.00} and XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP (NY)

Someone requested a replacement card from my bank then stole it from my mailbox activated the card creating a pin and then used it till I discovered it. The bank did. It refund my money stating that even though card was activated from a different phone number they used my personal data like ss # and birthday.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I have tried calling Mohela several times after requesting a pause on my payments for one month. I have been put on hold each time for multiple hours. I tried reaching out online. Most recently I have been waiting to talk to someone for over XXXX hours with no resolution. I have a running balance that I have been unable to fix. This is affecting my credit. Still, I am unable to get help.
Consumer complaint received 2021-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

Jefferson Capital Systems refuses to investigate my dispute. I have opened 3 separate disputes and the company has not provided any proof that the debt was incurred by me. They continue to send collection letters by mail. There website gives no option for dispute and my call was disconnected when to attempted to call. They continue to ignore the dispute process and attempt to collect on an account that was opened fraudulently.