davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello CFPB Team, I am writing to report what I consider to be insufficient credit card investigation from Bank of America. On XXXX XXXX my credit card was charged for three different transactions at XXXX XXXX in XXXX, New JerseyXXXX XXXX, New Jersey, and XXXX, New Jersey for {$210.00} each. I am a resident of XXXX, XXXX XXXX I do not have a vehicle. And I was in XXXX, XXXX ( I have documentation supporting this ) on XX/XX/XXXX - XXXX. I was not the individual who made these transactions. I reported the fraudulent purchases to Bank of America only to received a response that they determined that the purchases were authorized. I have been attempting to appeal this decision for several months, and Ive found their appeal process confusing and dishonest. I would appreciate any guidance as to next steps I should pursue. 

Thank you.
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (TX)

Affirm gives the option to connect your bank account through a company called XXXX on top of providing a debit card for loan repayment. I linked my account thinking it would be easier to have this rather than my debit card that sometimes gets changed. They do not explain that they will be viewing your account balance through their app on a regular basis. Once I discovered this, I tried to unlink my bank account through the app which is not possible. I called customer service at ( XXXX ) XXXX and was told by their rep that once an account is linked, it can not be unlinked. I work in XXXX and my company uses a similar system and I know that we can not have perpetual access to someones account information, of course a linked account can be unlinked. So, I requested to speak to a manager who also said an account can not be unlinked. I requested assistance with IT and my request was unacknowledged. I was then told the only want to resolve the issue was to close my account, which seems extreme. I feel like the constant review of my bank balance AND the inability to remove the account is a violation of my personal rights and I can not imagine how or why they would be allowed perpetual access to my personal bank account information.
Consumer complaint received 2023-05-09
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)

The unverified accounts indicated below continue to report on my credit report in violation of federal law despite numerous written requests. The three credit bureaus never responded to the letter I wrote to them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) must be followed while validating these accounts. In the event that they do not verify these accounts, I will file a lawsuit against them. Please abide by the law in order to quickly address this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX  : {$12000.00} ; XXXX XXXXXXXX XXXX XXXX {$6900.00} ; XXXX XXXX XXXX XXXX {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$55000.00} ; XXXXXXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXX : {$6100.00}.
Consumer complaint received 2022-09-23
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)

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXXXXXX XXXX XXXX  ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

I paid XXXX XXXX XXXX took XXXX so why would u send me A XXXX check your XXXX XXXX XXXX. Its not my fault u took it to court when it was paid already. Im not paying for court cost u owe me what you garnished. XXXX doesnt cover what u took. Im done playing games with your XXXX XXXXXXXX companies. You owe me for emotionally distress all the work i missed because you 2 companies are unprofessional. Send me my XXXX XXXX XXXX you didnt do your job and check to see if it was paid before court. Give me my XXXX money back.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (NY)

My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with them.
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MI)

From XX/XX/XXXX through XX/XX/XXXX, PHH Mortgage Services was servicing the mortgage on our primary residence. During that time period, our Chapter XXXX Bankruptcy Trustee sent the equivalent of 25 monthly payments to PHH Mortgage Services. However, it appears that PHH only processed 20 of the 25 payments, which made it appear to the next mortgage servicing company that we were 5 payments in arrears.

We able to verify the above information by obtaining the payment ledgers from our Trustee and PHH Mortgage Services.
Consumer complaint received 2023-05-16
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. (OR)

I have reported inaccurate items on my credit report and have repeatedly requested the information to be investigated and delated and the credit bureaus have ignored my request. Misspelled names, old address and past employees that I no longer work for.
Consumer complaint received 2022-12-04
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. (TX)

EXPERIAN and XXXX XXXX has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolved, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person or company shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). ( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The account in question is XXXX XXXX Account # XXXX. Please take this matter very serious as this is my last formal complaint before proceeding with my legal options.
Consumer complaint received 2018-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Financial Systems is reporting false and misleading information to XXXX. I have never heard of nor have I ever contracted with Commonwealth Financial Systems. On Tuesday, XX/XX/2018 I mailed out certified letters to both Commonwealth Financial Systems and XXXX seeking validation, not verification of this allege debt under the Fair Debt Collection Practices Act. As of Sunday, XX/XX/2018 both Commonwealth Financial Systems and XXXX have failed to provide me with a response and they have also failed to provide me with a release that releases my medical information to them, therefore by providing ( Commonwealth Financial Systems ) and furnishing ( XXXX  ) such information they are in clear VIOLATION of my HIPPA rights. I will now seek every legal remedy available to me and file suit against all parties responsible for reporting this violation.
Consumer complaint received 2023-05-16
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. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I previously disputed this account on XX/XX/2023 stating : " I dont remember ever being late with a payment on this account. Please could you provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account and update it as paid on time.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act the following accounts have violated my rights by posting my personal matters in public for everyone to observe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX  XXXX XXXX15 USC 1681 section 602 States I have the right to privacy * 15 USC 1681 section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written consent instructions which I have not done so *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 any purpose These companies along with Credit Bureau have knowingly violated my rights and I will be force to take legal action if this continues
Consumer complaint received 2023-05-16
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. (SC)

I submitted a letter to the EQUIFAX Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$920.00}
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

XXXX. It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the XXXX XXXX showed XXXX {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account Activity XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the XXXX {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. What happened to the other {$500.00} payment? NO response received regarding this.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

XXXX : XXXX CHASE BANK received my credit extension application on or around XX/XX/year> per UCC 1-202. I applied for an open-end credit card with CHASE BANK in good faith, as a completed application under Truth in Lending. Any breach of the FCRA makes a creditor accountable to affected consumers for any actual damages suffered, along with court and attorney 's fees. The inquiry on my credit report should confirm the transaction. Your denial seems to be solely based on my credit score, creditworthiness, and ability to make " minimum '' periodic payments. A security interest has been established with the use of my social security number and the application as a " negotiable instrument ''. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. CHASE BANK is violating the equal credit opportunity act and consumer credit protection act. Since you are denying me my credit Under Regulation Z of the CFPB- TILA Subpart A.
Consumer complaint received 2023-05-16
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. (SC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX  XXXX  XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (IL)

The collection agency Capio Partners, Located in XXXX, TX. Contacted me om XX/XX/XXXX of this year, concerning an alleged medical bill debt in the amount of XXXX dollars. 

On XX/XX/XXXX of this year. I responded with a certified debt validation letter. This letter requested Capio Partners to provide me proof of the original purchasing agreement, that shows Caprio Partners is the legal owner of the said debt, if the debt started with another company. please provide the name, account number, and purchasing agreement. 

I requested, Capio Partners proof if the company is licensed to collect debts in my state. Also to provide the date of license, and license number. On XX/XX/XXXX of this year. I received a letter from Capio Partners. Alleging this information regarding this debt was verified. Capio Partners didn't provide me with any of detailed items, I requested from them in my debt validation letter, Also Capri Partners responds exceeded 30 business days.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

This was my second submission of complaint to request several credit inquiries that were unauthorized be removed from my credit report. Let me repeat that someone has been inquiring and opening accounts under my name. As per legal advice from a friend and as per your agent 's advice, I should file an FTC, which I did and I have attached it to this letter. The Experian, XXXX and XXXX XXXX reporting agencies should remove all unauthorized credit inquiries due to non-permissible purpose under the Fair Credit Reporting Act section 605B within 4 days from date of receipt of this letter. In addition, I am contacting each company listed below to close any and all fraudulent inquiries opened : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

Chase checking account has listed a random person from my email as a XXXX recipient in the account bill payment area. I called Chase XXXX fraud telephone number on XX/XX/year> at XXXX and Chase advises that XXXX is a 3rd party and XXXX searched my email and found the random person and XXXX inserted the random person and their random email into my Chase account page. 
I dispute any desire to ever use XXXX for any reason. I have never used XXXX. I would never use any outside vendor to pay anyone from my Chase bank account. Chase fraud department is falsely advising that I must speak to the 3rd party vendor XXXX to remove or rectify the situation. Chase has violated my legal rights to privacy of the contract between Chase and me as the account holder by giving an outside vendor access to my email addresses or emails. Chase has a legal duty to keep anyone and any company from looking at my emails or email contacts or adding, allowing access to, or assisting any vendor including XXXX, or any person or company, from accessing my Chase account or my emails, or personal information, for any purpose.
Consumer complaint received 2024-05-07
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. (MI)

Experian and XXXX continue to report inaccurate information on my consumer report. There are is information reporting that is preventing me from obtaining housing and my calls to these companies have went unanswered. The account listed as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX are reporting incorrectly and do not belong on my consumer file. Delete the information or cease gathering any information on me without my consent.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

Between the dates of XXXX and XXXX I was charged numerous ( between XXXX and XXXX is my best estimate ) overdraft and NSF fees of XXXX dollars each by Wells Fargo bank. I never received any communication from them regarding the settlement, or any form of reparation regarding these fees. I tried at the time to recover these funds but only received a small number of refunds at the time of these charges. I was told, at the time, that they could not refund most of these due to company policy. This contributed to a financial crisis from which I am still trying to overcome. Their customer service members were, and continue to be, inconsiderate, unprofessional, unsympathetic, and condescending. I have been fearful of calling about the settlement due to an existing estate account that I have as the representative of my mother 's estate. I am confident that their institution owes me a considerable amount after becoming aware of their harmful tactics aimed at profit instead of the well being of their customers. I was told numerous times that they could do nothing to help me regarding this.
Consumer complaint received 2023-07-26
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. (TX)

This is my Complaint about the negligence of the 3 Credit Bureau. I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the account resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX