davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (NC)

In or around XX/XX/XXXX I noticed XXXX ( Acct # XXXX ) listed on my credit profile and asked XXXX to verify the information. Correspondence from XXXX company stated the information was reviewed and verified. Whereas I disagreed with their findings, In XX/XX/XXXX according to FCRA, Public Law 91-506 Title VI section 611 Subsection A-D, I asked Experian to reinvestigate the alleged account and to provide the method in which you verified along with any supporting documents. On XX/XX/XXXX I received correspondence from XXXX stating the account was again verified and accurate. However, it is not! 

As reported on my consumer report ( attached ), the alleged account ( XXXX XXXX Acct # XXXX ) was charged off XXXX of XXXX. Since then, the account has repeatedly been updated as charged off every month. To my understanding a charged off account should NOT include an active payment history. XXXX 's failure to verify this account is now causing me financial harm.
Consumer complaint received 2022-06-06
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 XXXX XXXX account number : XXXX - {$230.00}, XXXX, XXXX account number : XXXX - {$200.00}, XXXX XXXX XXXX account number : XXXX - {$280.00}, XX/XX/XXXX account XXXX, XXXX. XX/XX/XXXX XXXX account number : XXXX - {$65.00}, XXXX account number : XXXX,XX/XX/XXXX account number : XXXX - {$420.00}, XX/XX/XXXX XX/XX/XXXX XXXX XXXX account XXXX : XXXX, XX/XX/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 an account without my written instructions.
Consumer complaint received 2022-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (AL)

I want to file a complaint about a debt that is on my credit that I have no knowledge of. I dont even know what company the debt is with. I have worked so hard on keeping my credit up to standards, and to have a derogatory mark on my credit is awful.
Consumer complaint received 2022-09-29
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: JPMORGAN CHASE & CO. (NC)

XXXX I filed a dispute for {$77.00} regarding an Amazon return and the fact that Amazon put the amount of refund on an Amazon Gift Card instead of this Amazon XXXX Chase Credit Card. I was advised that the {$77.00} would be immediately credited to my account and that Amazon had 15 days to respond. 
The credit of {$77.00} was not placed on my account. On today, Wednesday, XXXX the representative stated to me that I was trying to get the gift card and credit. This is not true. I have repeatedly requested that Amazon transfer the {$77.00} from the Amazon gift card to Amazon XXXX Chase credit card. The supervisor was antagonistic and would not transfer my call.,
Consumer complaint received 2022-06-06
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. (GA)

In accordance with the Fair Credit Act XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-06
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. (GA)

In accordance with the Fair Credit Act XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Car payment are showing 90 past due on for the mouth of XXXX XXXX and XXXX XX/XX/2018 and XXXX XXXX and wasn't late and this hurting my change on get a home and will remove after I sent the payment history
Consumer complaint received 2022-06-06
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. (MI)

In accordance with the Fair credit reporting act 15USC 1681 section 602 section 8 States I have a right to privacy And 15USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish my acct without written instructions. 
Info : XXXX XXXX SS # XXXX Complaint to XXXX, Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX...
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (TX)

Chase bank received child support payments on a closed account and kept them. {$500.00} in total. Did not notify me they received these payments. My account was close due to a snowball effect of overdraft fees and insufficient funds. A reasonable bank would not keep charging after {$100.00} but they kept charging and this is not the first time I have had this issue with Chase and is why I decided to let the account close. I received a letter from the Attorney general notifying me that my child support payments had resumed and were being mailed to me. The first 7 payments were sent to Chase and they did not return them.
Consumer complaint received 2023-06-27
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. (TX)

I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Consumer complaint received 2022-06-06
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. (MI)

In accordance with the Fair credit reporting act 15USC 1681 section 602 section 8 States I have a right to privacy And 15USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish my acct without written instructions. 
Info : XXXX XXXX SS # XXXX Complaint to XXXX, XXXX and Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates (GA)

Dear Sir/Madam, I am writing to file a compliant regarding the actions of Creditors Bureau Association . I am deeply concerned about the apparent violation of federal law, specifically 15 U.S. Code 1681a ( 3 ) and 15 U.S. Code 1681b ( 4 ), as outlined in the documents attached.

It has come to my attention that Creditors Bureau Association has disclosed medical information about myself, in direct contravention of 15 U.S. Code 1681a ( 3 ). Furthermore, the subsequent redisclosure of this medical information by Creditors Bureau Association, as indicated in the attached documentation, is a clear violation of 15 U.S. Code 1681b ( 4 ).

Given the severity of the violation and the sensitive nature of medical information, I urge your office to take immediate action to ensure compliance with federal law and to rectify the damage caused by Creditors Bureau Association 's actions. I request this account be deleted. I was not given proper notification by Creditors Bureau Association.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement actions against Creditors Bureau Association to ensure accountability and prevent future violations. I request that this account is deleted from my credit reports due to the multiple violations. Additionally, I ask that all relevant parties be notified of the seriousness of these violations and the legal consequences associated with non-compliance. 

Please keep me informed of the progress of your investigation and any steps taken to address this matter. I appreciate your attention to this issue and trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect consumers ' rights and uphold the integrity of our nation 's consumer protection laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX phone XXXX email : XXXX XXXX
Consumer complaint received 2022-06-06
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. (NC)

In or around XX/XX/XXXX I noticed XXXX ( Acct # XXXX ) listed on my credit profile and asked Experian to verify the information. Correspondence from Experian company stated the information was reviewed and verified. Whereas I disagreed with their findings, In XX/XX/XXXX according to FCRA, Public Law 91-506 Title VI section 611 Subsection A-D, I asked Experian to reinvestigate the alleged account and to provide the method in which you verified along with any supporting documents. On XX/XX/XXXX I received correspondence from Experian stating the account was again verified and accurate. However, it is not! 

As reported on my consumer report ( attached ), the alleged account ( XX/XX/XXXX( Acct # XXXX ) was charged off XXXX of XXXX. Since then, the account has repeatedly been updated as charged off every month. To my understanding a charged off account should NOT include an active payment history. Experian 's failure to verify this account is now causing me financial harm.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

CFPB XXXX : XXXX Customer Service XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Chase Credit Cards Customer Service XXXX XXXX XXXX XXXX, DE XXXX Dear CFPB : I would like to report to you what kind of customer service we have been receiving from Chase on our XXXX credit card : - XX/XX/22 attempted a purchase which prompted fraud concern on the part of Chase - We replied to the text from Chase indicating that the charge was legitimate - Subsequent charges from other merchants were declined - On XX/XX/22 I called Chase customer service and was told that Chase had locked our account without telling us in order to conduct an identity review. I was assured that Chase would be in touch with us within 2 business days. 
- On XX/XX/22 I called Chase customer service and was then assured that I would be getting a call within " 15 minutes. '' I did not get a call back. 
- The card is still locked and we have not heard anything from Chase. The XXXX/Chase card is unusable. 

I must conclude that these are the actions of a company that does not care about its good customers. If Chase intends to close our account they could simply tell us, and we'll move on. I signed up for this credit card in order to earn XXXX XXXX miles, but I understand that there are many other airlines to choose from. 

I am looking forward to your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NJ)

On XX/XX/2024, I was inquiring online about getting a new credit card through Citi for the sole purpose of a balance transfer ( my dog was diagnosed with two  kinds of XXXX and the XXXX  cost {$15000.00} ). Citi automatically approved me with a {$3000.00} limit which is unheard of since I haven't had a credit limit that low since I was XXXX. I immediately called Citi and told them that I was declining the card. 
Citi reps ( I was transferred to 2 different departments ) told me they couldn't change my credit limit for 3 months ( after the promotional balance transfer period ran out ) and they couldn't stop the application process. I called again the next day, XX/XX/2024, and spoke with three reps who also told me they could not stop the process and could not cancel the card until I received it. 
It hit my XXXX credit file that Friday, XX/XX/2024 ( 5 days later ). I called Citi again even though I had still not received the card. They put me in touch with their fraud department who agreed that the account should not have been opened, and the fraud department immediately closed my account. 
I contacted the XXXX credit bureaus and reported this incident. Citi responded back to them claiming that it was an authorized and approved credit card. They claimed my account was still open even though I have the email from Saturday, XX/XX/2024 ( the day after speaking to their fraud rep ) confirming my account was closed. 
I am now in the process of disputing this result with the credit bureaus. I shouldn't have to deal with this, especially not with everything else going on in my life. 
I strongly believe that this can't be an isolated incident. Citi advertises for a promotional balance transfer rate which is useless for the limit they provide ( and you can't get a credit limit increase until the promotional period is over ), they refused to stop the application process and cancel my account until after they reported it to the credit bureau, and they provided false information when the bureaus contacted them even though their fraud department concurred that this account should never have been opened and closed it themself.
Consumer complaint received 2022-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (VA)

XX/XX/XXXX I got emails saying my phone number and email were updated on my Chime account. 
I then had 4 different charges back to back to back 2 for XXXX one for XXXX and one for XXXX. 3 at XXXX XXXX and one other charge. 
So of course I see this, I freak out and email Chime multiple times. I said hey, someone else is accessing my account, it isn't me, several emails... they switched it back, the other party then changed it again and I panic and email Chime again and told them of the fraudulent charges that drained my bank account. 
They let me know that I can dispute the transactions once they were no longer pending. 
The next day, my email changes again and it isn't me doing it. I notify Chime of this. They switched it back... so that evening XX/XX/XXXX, I'm able to dispute the charges because I can use my app at that point .... next morning XX/XX/XXXX I see where I have a new card on the way, my funds are being refunded. Later that day I get an email... however I'm addressed as XXXX and not XXXX, and told my account is on hold. I'm enraged at this point and I email back saying my name isn't even XXXX ... and told them what was happening. 
I later get an email that my account is being closed and I won't get my money. 
Yesterday and today, I get an email asking for a picture of my ID front and back ... and a selfie of me holding my ID with a paper held up with name date on it. 
I did that twice yesterday because they said I didn't provide the documents the first time... same with today XX/XX/XXXX... I emailed them those pictures twice. I then received an email saying my account is closed and not getting my money. 
That account had every XXXX I had to my name in it.
Consumer complaint received 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX 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
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlas Credit Company, Inc. (NC)

Subject : Opt -Out Request under 15 U.S.C 6802 Dear Sir/ Madam, I am writing to formally request that you cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented. You may send this confirmation to the address listed above. 
If you have questions or require further information to process my request, please do not hesitate to contact me at phone/email I appreciate your prompt to this matter and your commitment to respecting my privacy rights under federal law.
Consumer complaint received 2022-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

We have contacted our mortgage company several times by phone/mail since XXXX of this year about paying off a XXXX account that was included in our escrow account. The XXXX account was paid off in full in XXXX of this year. Since the payment is about {$500.00} a month we would like to get this settled as we have overpaid the escrow account for at least 5 months.
Consumer complaint received 2022-06-05
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. (MI)

In accordance with the Fair credit reporting act 15USC 1681 section 602 section 8 States I have a right to privacy And 15USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish my acct without written instructions. 
Info : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Complaint to Experian, XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (IN)

I have no knowledge of this debt. Ive reach out to the company multiple times for information stating that I owed this debt that have no responded Ive also reached out to the XXXX to help with this matter and they have no reached out to the XXXX so the case was closed. I want this debt off of my credit report immediately or Ill be seeking a lawyer to recoup amicable damages.
Consumer complaint received 2020-12-18
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. (NC)

I received an email from Experian on XX/XX/XXXX. The email quoted " Congratulations your fico score went up! Come see what's unlocked '' then there was a button that said explore card options. Below that it XXXX you've worked hard and your credit score shows it, now see what kind of credit card offer are waiting for you. Its easy your only one click away, don't worry it won't affect your credit score '' I pressed the button where there were several credit card options and i applied for a XXXX  card thinking i was good to go, thinking my credit score would not be affected. I was denied and my credit score went down 7 points and i have an inquiry that will stay on my credit report for 3 years. 

I feel i was mislead by experian thinking my credit score would not be affected. I'm XXXX years old and i did work hard on my credit, i would never put a hard hit on my credit report. My goal is to own a home and experian and their trickery bought me down. I would like for them to remove this inquiry and put my XXXX credit score back to my credit file. Thank you.