davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Revenue, Inc. (PA)

Thank you so much for responding to compliant # XXXX. I have a few more questions please see attached. 

Also please supply a copy of the USPS tracking # showing that I received and signed all the initial documents from your company regarding the first 30 days to dispute this debt. Please note, this information can be requested under section 611 paragraph 6 ( B ) ( iii ).
Consumer complaint received 2023-10-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NE)

On XX/XX/2023 I received commuitcation through CFPB of an allege debt by COLUMBIA DEBT RECOVERY LLC in reference to account XXXX. Columbia Debt Recovery has violated applicable debt collection laws and regulations, including but not limited to 15 USC 1692. I included the violations on the communication letter sent to me. On XX/XX/2023 an affidavit of truth was sent to COLUMBIA DEBT RECOVERY XXXX XXXX XXXX stating all of these violations. I have included the exact copy mailed to them and the letter they sent to me as well as an invoice per violation.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (DC)

Dear Sir/Madam, I hope this finds you well. I am writing to lodge a formal complaint regarding a refund check that I have not received from American Express. Despite numerous attempts to resolve the matter by contacting American Express agents, I have yet to receive a satisfactory resolution. I kindly request your intervention in this matter and seek your assistance in ensuring that I receive the credit balance refund check in question. 

I am awaiting payment of a credit balance refund from American Express in the amount of {$760.00}. However, I have never received this check. I have made repeated efforts to address this issue by contacting their customer service and fraud teams on multiple occasions. Regrettably, I have been unable to receive any assistance or payment of this balance. 

Throughout the past several months, I have diligently informed customer service agents that I have not received the refund check and emphasized my need for payment. In response, the agents submitted multiple account inquiries to investigate the matter further. However, despite these inquiries, they have routinely failed to contact me about the status of the investigation or offer any resolution to this issue. 

To provide you with a brief timeline of my interactions with American Express : First Inquiry : XX/XX/XXXX Date check was supposedly sent : XX/XX/XXXX Date check was allegedly cashed : XX/XX/XXXX Customer Service Inquiries : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX ( all in XXXX ) As I have informed American Express numerous times, I have not received this check and have not been made whole. On XX/XX/XXXX, a supervisor informed me that there was nothing else that American Express could do to assist me in this matter. The supervisor even suggested that I submit a police report, despite the fact that the responsibility lies with American Express to resolve this issue. Unfortunately, I do not possess any information about the check number, the account from which it was issued, or the identity of the individual who cashed it, so I am entirely unable and not responsible for filing this report. 

Given the lack of progress and the absence of a satisfactory resolution, I am turning to your office for assistance. I kindly request that you intervene and take appropriate action to investigate my complaint thoroughly. It is crucial that American Express promptly delivers the refund check to me, as I have been waiting for an extended period. 

I have attached copies of relevant documents, including correspondence with American Express, that may assist in resolving this matter. 

Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (MD)

Hello, I applied for contract employment with XXXX XXXX XXXX XXXX They requested a background check be completed. I complied and a company named Checkr supposedly investigated my criminal background on XX/XX/XXXX. I then received another notice afterwards on XX/XX/XXXX saying that adverse action was being taken. The report said I had seven days to reply to conflicts involving employment or termination resulting from Checkrs background check. On XX/XX/XXXX I received an email from XXXX saying they did not want to continue the onboarding process. After reviewing the report I discovered the reason they denied me was inaccurate information as presented in the email and report. I attempted to contact them on XX/XX/XXXX. After XXXX minutes of hold time an agent spoke with me briefly. She said hello, asked me my name and social, and then said her computer was down could I hold the line. XXXX minutes later she came back said her computer was having trouble and hung up the phone. 

Thank you for reviewing and the reason for all this is because checker listed XXXX charges with a disposition date of XX/XX/XXXX. No disposition on said date was given. The report even lists the charge date as XX/XX/XXXX. It is impossible for a disposition to come before a charge therefore I challenge any of the information as being accurate and have become damaged due to reports. No one reviews the information at Checkrs before passing it on and your assistance would be appreciated. 

Thank you XXXX XXXX
Consumer complaint received 2020-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

On XX/XX/2020 the main creditor was XXXX XXXX XXXX XXXX XXXX, La. for services that day. I had currently had XXXX at that time which before leaving I provided that information to bill them. XXXX and XXXX have my current mailing address and I never received any bill from them. I decided to check credit report and I noticed that I had 2 negative accounts with LAW OFFICES MBA ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PH : XXXX. I made several attempts to reach out to them regarding matter. They will not answer/respond back when i left my info. I disputed with experian which I am assuming they were able to get in touch with them. They deleted one account but not the other. They stated I still owed them which is inaccurate information. 
Listed below is the info for the debt : date of service : XX/XX/2020 amount : {$610.00}
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I opened this account and made some transfers from my other account to fund this one. The money has been sitting there. XXXX XXXX  has restricted my account since I opened it. They send a debit card that i can not activated nor used to get my funds. They are requesting that upload bank statements after my money has been sent to them. I have requested that they closed their account and return my money. It has been 30days. I am not able to talk to anyone over there. I emailed and chatted with like 10 of them. XXXX, XXXX, XXXX, XXXX. They all replied with the same thing, They will get the request processed. They have not released my money yet
Consumer complaint received 2017-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

I HAVE APPLIED FOR HARDSHIP ASSISTANCE AND HAVE BEEN DENIED TWICE. THE REASON FOR DENIAL IS DUE TO INCOME, WHEN I GO OVER INCOME WITH MY SERVICER CHASE THEY INFORM ME THAT THE ONLY HOUSEHOLD INCOME IS MY INCOME. I HAVE A FIANCE THAT LIVES IN THE PROPERTY AND CONTRIBUTES WHICH I HAVE PROVIDED PROOF OF HIS INCOME AND A CONTRIBUTION FORM. CHASE HAS NO CLUE OF GUIDELINES BECAUSE THEY ARE STATING THAT FHA HAS A NEW GUIDELINE THAT DOESNT ALLOW FOR CONTRIBUTION, THIS IS OUTRAGEOUS. I HAVE RESEARCH MY LOANS GUIDELINES AND FOUND THAT THEY DO IN FACT USE CONTRIBUTORS.
Consumer complaint received 2024-03-19
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. (CT)

XXXX XXXX ( Finance ) is showing up as a hard inquiry on my report for both XX/XX/year> & XXXX XXXX, XXXX  and I did not submit any application for XXXX. This account is fraudulent and the hard inquiries are fraudulent as well. Please remove them.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dear CFPB, I am writing to file an official dispute regarding inaccurate and unauthorized information that has been repeatedly reported on my credit reports by XXXX XXXX XXXX ( XXXX ). This collection account does not belong to me, and its continued presence on my credit files has caused me significant financial hardship, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute and seek the removal of any inaccurate, incomplete, or unverifiable information on my credit reports. The following provisions are relevant : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires credit reporting agencies to " promptly delete '' any item found to be " inaccurate or incomplete or can not be verified '' after a reasonable reinvestigation. 

2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from providing information to credit agencies that the furnisher " knows or has reasonable cause to believe is inaccurate. '' 3. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) requires furnishers to appropriately modify, delete, or block the reporting of any information that can not be verified as accurate. 

Despite my previous disputes and requests for verification, XXXX has failed to provide any evidence that this collection account belongs to me. By continuing to report this inaccurate and unverifiable information, they are violating the FCRA. 

I have enclosed copies of supporting documentation. I am escalating this matter to the CFPB and demanding this inaccurate collection be promptly deleted from my credit reports as mandated by law. 

If the appropriate corrections are not made within the legally required timeframe, I reserve the right to pursue further legal action against XXXX and the credit bureaus for willful FCRA violations and any resulting damages. 

Thank you for your attention to this serious issue. I look forward to your investigation and a resolution.
Consumer complaint received 2023-03-09
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. (FL)

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-12-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (LA)

Financial hardships caused me to fall back on payments. I was told to keep in touch with the company Santander and send what I could. I did all of the suggested. My car was still repossessed and I owed on the car after it was sold. This made me feel like all of my sending out my last to keep the car and catch up on payments were null in void.
Consumer complaint received 2017-03-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NCP Finance (OH)

Please be advised that I am pending a XXXX Veteran XXXX claim and am currently at XXXX. I have had many circumstances beyond my control and am having extreme difficulty with the interest and monthly payment for this loan which currently has an APR over 218 %. Please consider lowering my interest and monthly payment so that I can pay more towards principal to pay this loan. NCP Finance Ohio is the Lender and I signed the contract with XXXX.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (CA)

I been calling customer service members that work for American first finance to come to an agreement and pay balance owed, but they are asking for close to XXXX when the balance on my credit report shows XXXX dollars. I feel that is not a correct balance I am looking forward to coming to a fair agreement. Customer service members arent participating well.
Consumer complaint received 2024-02-28
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. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

Beginning on XX/XX/2014, the Chase bank located on XXXX, CA XXXX began making monthly, unauthorized, donations to the Police and sherriff 's review. The donations varied from as little as {$35.00} to as much as {$390.00}. I only wrote one check, for a one time donation, then the bank took it upon itself to make arbitrary donations.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

I signed for a trial plan with Equifax credit monitoring service. Unfortunately I was out of the country over this past 4 days and had no access to my emails which gave me the information or alert to cancel my service. I returned last night, but was able to call this morning after receiving a charge for XXXX to my card, called their customer service advised them that I already have a service that I use and no longer wish to use their service and wanted my XXXX charge refunded I do n't want to use it for another month.. The service representative attempted to offer me service for half off .. I explained no I just want my money back and he said he could not refund me my money back.. Why would I pay for something I no longer wish to use? All I want is a credit back for this service.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

Back in XXXX I called XXXX to request a refund for the payments I made during the pandemic period as allowed by the cares act. In XXXX they said my refund was above and that the funds to be refunded were transfered over to Mohela since they were the new servicer for my loan. I called Mohela and they couldn't confirm this info and said I would have to wait. Since then there's been no updates and I still haven't received my refund.
Consumer complaint received 2020-12-25
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 (MT)

I tried a subscription service for clothing. The product sent did not fit and were mismatched wrinkled and generally horrible. I returned everything and had tracking information to show it. The merchant continually lied and said that I didnt return the items. I have email chains with the merchant that state that they DID receive the items but that they will not issue credit and are trying to force me to accept a store credit and yet they havent issued me either a store credit or a credit to my credit card. Capital one is the credit card and XXXX XXXX is the merchant. The shipments were delayed in shipping to and from the usps and 3rd party returns agency and they are holding me personally responsible. All I want is a credit and I do not want to EVER do business with a shady company like XXXX XXXX again and yet Capital One continues to neglect to acknowledge that the items were returned and I am due a credit.
Consumer complaint received 2017-04-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MI)

I covered my step children on my health insurance plan because their father refused to during court proceedings. The step children now have outstanding medical bills that the creditor has filed against me on my credit. I have no parental or guardian rights to the children they are still XXXX custody of their natural mother and father. The medical facility billed me as their father even though I proved to them I am not the natural father and have not adopted them. I only covered them as a benefit to them in a time of lack of coverage from their natural fathers responsibility.