davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Evergreen Financial Services Inc. (AL)

On XX/XX/XXXX, I received approval for a {$500.00} installment loan from Evergreen. I made the first few payments in XX/XX/XXXX, then on XX/XX/XXXX entered into a contract with XXXX XXXX XXXX to assist with settling a few pay day loans. 

Evergreen received a Cease and Desist order and a Power of Attorney from XXXX XXXX XXXX  on XX/XX/XXXX, but still processed the payment and have not ceased contacting me regarding the account.
Consumer complaint received 2023-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit management mis informed me that I should pay this debt even if was result of identity theft I try to make a payments because they intimidate me that they where going to garnish my wages, I didnt know I have rights and was not obligated it to pay debts of identity theft I explain to them this debts show in my credit report once I updated my itin number to a social and they say that I still require to pay them I Didnt I know the rules protecting consumers so I agree .they violated my rights by misinforming me just to make some profit
Consumer complaint received 2022-05-22
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (MO)

Sagestream is hereby known as The Company. XXXX XXXX is hereby known as The Consumer. The Company has continuously violated The Consumers consumer rights and used stall tactics to prolong its efforts. On 3 separate occasions ; XX/XX/23, XX/XX/23 and XX/XX/23, The Consumer requested copies of his updated consumer report. As of XX/XX/23, The Consumer still has not received a copy of his consumer report. The Company claims to have mailed the correspondence to the consumers address but can not confirm any proof of mailing. The Company also responded to the previous CFPB COMPLAINT ID XXXX with an un-clickable pdf file on XX/XX/23. The CFPB was notified by The Consumer about the un-clickable link by phone and was able to read the complaint response and confirm that the disputed information had not been addressed.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Dear XXXX XXXX, I am writing to request that my loan payments be reported to the credit bureau. 
I understand that the regular reporting of loan payments to the XXXX and Experian is a key factor in helping to build and maintain a good credit score. As such, I have been faithfully making my loan payments on time each month and would like to receive the credit benefits that come with having these payments reported. 

I have included my loan account information below for your convenience. 
XXXX Thank you for your time and I look forward to hearing from you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-08
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. (MD)

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX 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.

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 and other adverse items 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 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: The Aligned Company DBA Extra (AR)

I was using a credit building app that links a secured credit card to your bank account, so you could only spend money that you have. 
I was trying to access the credit monitoring fubction of the app. So I inputted my personal details like name, DOB, SS #, etc. After that I was met with questions about my credit history from years ago, with the earliesr being from 2018. I am a XXXX XXXX XXXX right now, and the only credit history I have is when my mother used my credit details to try and build credit for me. But it was so long ago that she doesn't have all the data of those credit purchases, so I'm unable to complete that part of my account and is unaccessible by me, even though I'm on a paid subscription.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DISCOVER BANK (TN)

My initial communication with Discover Bank about an " alleged debt '' was a Cease and Desist Letter and a Validation of Debt letter sent via certified mail and the CFPB portal. I asked this company for validation of the alleged debt, instead, I received no contract with a wet signature only " statements '' that don't validate any debts. 

I also asked this company to cease communication with me, and they blatantly sent more statements anyways. I feel this is a form of humiliation, harassment, and a violation of my consumer rights, and my privacy. I asked not to receive letters via mail because the company name on the envelope is a violation of my privacy and I don't feel anyone that touches my mail should know I am in communications with a " debt collector ''. 

They also sent my non-public information to outside agencies in an attempt to collect a debt without my consent. I never authorized my information to be shared or sold to any outside companies. If this issue isn't solved and my demands aren't met, I will proceed with legal proceedings.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

Re : Chase Bank This matter with Chase Bank has been a terrible fiasco. 

When I deposited a $ XXXX XXXX  XXXX XXXX check from a friend who lives overseas, at Chase Bank ( in XX/XX/2019 ), they put a 7-day hold on its availability. Before the end of this availability waiting period, though, they sent me a letter that my account has been suspended because I hadnt given them information they requested. I hadnt received any request from Chase. 

I immediately went to the branch to talk with a customer service person directly. That person called the back office, and they told her my account was flagged for potential fraud. She said they have been trying to contact the person who sent me the check to verify that he gave me the check or whether I had faked it. 

I asked her how was Chase trying to contact him? Her response was nebulous. She then said they wanted to speak with him in person at a Chase branch. I told her that he lives in XXXX and that he is also traveling. 

I offered to call him and put Chase on a conference with him if I could reach him. They declined that. They said they want to see him directly at a Chase branch. ( He lives overseas and rarely comes to the United States, except on business matters. ) Alternatively, they recommended that XXXX put a stop payment on the check. 

Last week, I learned that they had cancelled my account because they hadn't received any response yet from XXXX XXXX XXXX. 

I immediately went to my Chase branch. That person said that there could be many reasons why they might suspect the check was fraudulent. 

I asked him where was the money? He said that it was being held back at Chase in suspension. I asked him how long it would take to release the $ XXXX back to my friend? He called the back office, and they told him they are holding it indefinitely. '' I told this customer service agent that, in essence, Chase has " stolen '' my friend 's money. Theyve taken it out of his XXXX XXXX XXXX account, and they arent returning it to him. They aren't giving it to me. Theyre using his money to continue making money on it. This agent told me that, at some point, they'll send me a check for the $ XXXX and then I can refund it to my friend. Still, theres no timeframe for them to do this. 

XXXX XXXX XXXX said it was too late to do a stop payment on the check, and the customer service agent at XXXX XXXX XXXX didn't want to talk with the customer service agent at Chase.

Can you help me get this money from Chase that they have stolen from my friend who sent me the check?
Consumer complaint received 2016-04-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (TX)

My name is XXXX XXXX, contact number XXXX ( M ) or XXXX ( O ). 
I get an equity loan from Regions bank with an amount of {$110000.00}, funded on XXXX/XXXX/2016 ,@4.25 % rate for 15 years, monthly payment sets at {$850.00}. I determined to pay off in 5 years and signed agreement to pay {$2000.00} each month, effective in XX/XX/XXXX ( deduct is expected to be effective on XXXX/XXXX/2016 ). I opened checking account and funded with direct deposit to cover monthly auto deduct for paying my monthly dues. Payment kicks in from XX/XX/XXXX 2016, so I made extra payment of amount of {$1200.00} ( plus {$850.00} which suppose to be deducted for 15 years ) to become {$2000.00} for XX/XX/XXXX payment. 

Regions already set up auto deduct XX/XX/XXXX of {$2000.00} by mistake, this problem is already solved. Then I expect XX/XX/XXXX payment should be auto deducted. I have {$4100.00} in my checking account as of today. However, auto deduct did not become effective in XX/XX/XXXX. I made so many calls reporting this, but problem is not solved. Regions is so arrogant in handling this case by demanding me to start auto deduct in XX/XX/XXXX, I DO NOT agree. It is a trap. 

By delaying monthly payment will lead my to pay more interests, I already set funds aside for paying my dues ; and bank breaks the agreement first and refuse to correct it. This could be a practice leading customer to pay more interests by showing a " nice '' delay to good customers. 

CFPB should investigate such wrongdoing inside Regions bank. If I do n't stop them today, by delaying one month, I will end up paying much more of interests. I already spent so many times on this issue, I expect bank to have a solution or settlement with me. Here I report this to CFPB and like CFPB allows me to ask for pausing payment until an action is taken. Meanwhile, I will make monthly payment, not to let my account to become default.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (FL)

As a retired XXXX XXXX, I receive credit monitoring services. In XX/XX/XXXX, XXXX emailed me an alert that their activity in my name and I should access their website. Website identified that collection agency Wakefield and Associates ( XXXX ) XXXX was trying to collect {$410.00}. I contacted XXXX XXXX XXXX  who notified the credit bureaus and put me in contact with a Restoration Specialist. ( RS ) Case XXXX ( XXXX ) XXXX ext XXXX who advised I make a police report and other steps I should take. The RS was able to provide a phone number for Wakefield. Police were contacted. I called Wakefield who identified the initiator of the Collection action as XXXX XXXX for services supposedly provided in XX/XX/XXXX. I contacted my XXXX XXXX provider XXXX XXXX ( XXXX ) XXXX. To our knowledge, all received bills have been paid. My phone number is the same. I did not move until XX/XX/XXXX so I was available to contact. To date, XXXX XXXX ( XXXX ) XXXX has not responded to calls from me or my dental provider. No police report was generated as this does not appear to be Identity Theft. I received an email alert from XXXX XXXX XXXX titled Derogatory Comment on XX/XX/XXXX. I submitted report XXXX to the XXXX XXXX XXXX on XX/XX/XXXX. I am submitting this report to the CFPB on the advice of the XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting 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)

There is a XXXX XXXX XXXX reporting on my credit report account # XXXX that is charged off/written off in the amount of {$28000.00} that i never applied for on XXXX, XXXX and transunion wiithout my consent. And also there is a XXXX XXXX reporting as well that i did not authorize the opening of nor do i have knowledge of this company. I am a previous victim of identity theft, so i do not know how these came to be. Please have them removed from my credit report immediately.
Consumer complaint received 2022-05-22
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. (IN)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-02-16
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. (NC)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 2023-03-07
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: WELLS FARGO & COMPANY (GA)

In accordance with the fair credit reporting act XXXX Account # 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 instructions.

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
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a {$3500.00} check from my client via my mobile on XX/XX/19, which was returned for some reason. I contacted my client and he asked me to deposit it again. I called Chase and they told me to re-deposit the check. I tried to do it via mobile again, but the application instructed me to do it through ATM or Chase bank. I followed the instruction and re-deposited the check at ATM on XX/XX/19. Soon after I noticed that the deposit was put on hold. I called Chase and their rep told me that the bank was verifying availability of funds, and the amount would be available in a few days. I left for vacation and did not have any further communication with Chase regarding this matter. On XX/XX/XXXX I opened my mail ; there was a letter from Chase stating that they removed {$3500.00} deposit as a duplicate. I immediately called the bank and tried to get an explanation. I emailed a complaint, after which on XX/XX/XXXX I received a call from representative XXXX. According to him I 'was not supposed to re-deposit the original check '. I was supposed to wait for an 'official check ' from Chase. I asked why nobody had mentioned that before, as I've spoken with several reps regarding this matter, he could only apologize. To my question 'where was the official check ', he could not find any explanation other than it was probably lost in the mail. He could 'reissue ' the check but it would take 5-7 business days as there was no way to expedite it. I have decided to file this complaint as the information provided by Chase representatives is inconsistent and lacking clear communication. I have attached the most recent letter from Chase which does not mention any 'official check ' that was mailed to me.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX XXXX, I am writing to request that my loan payments be reported to the credit bureau. 
I understand that the regular reporting of loan payments to the TransUnion and XXXX is a key factor in helping to build and maintain a good credit score. As such, I have been faithfully making my loan payments on time each month and would like to receive the credit benefits that come with having these payments reported. 

I have included my loan account information below for your convenience. 
XXXX Thank you for your time and I look forward to hearing from you. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EOS Holdings, Inc. (VA)

I have not supported proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exits.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

My PayPal Credit Card was randomly closed without formal correspondence. ( Neither written nor digital. ) I did not request to close the account and my account has stayed in good standing. Purchases were regularly made using the card and payments were persistently posted on time. I would like an explanation as to why the card was closed and for the account to promptly reinstated. This is not a fair situation, and I question the legality of closing an account without any correspondence what-so-ever.
Consumer complaint received 2017-11-23
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: Convergent Resources, Inc. (SC)

I sent out a letter to XXXX XXXX XXXX on XX/XX/XXXX about a XXXX cell phone balance, to validate the debt they claim I owe with any formal agreement or contracts or to remove this debt off my credit report. They have been reporting to my credit report for years that I owe {$350.00}. I have NEVER had a XXXX as my phone carrier service. On XX/XX/XXXX I got a letter back from them sending a bill of the amount owed. But again I never had any service with them. And a bill does not validate or truly verified I owed them. They refuse to send any agreement or contracts. And I ask them to stop reporting if they cant send me a contract or some kind of agreement. Someone had to had this cell phone in my name. After research I was told I can file a complaint. I just want this to be remove off my report because it is unfair to have something negatively reporting on your credit that you have no knowledge of.