davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (FL)

On XX/XX/XXXX I filed a dispute against XXXX XXXX with all three of the credit bureaus for reporting inaccurate/ unverifiable information on my credit report certified mail. XXXX XXXX reported two inaccurate/ unverifiable debts on my credit report trying to claim the same debt. The First XXXX XXXX XXXX Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XXXX, XXXX, XXXX, XXXX and then reports no other data for any of the other months or years. The Second XXXX XXXXXXXX XXXX Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I asked the Credit to delete be information was inaccurate/ unverifiable information. The First XXXX XXXX XXXX Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XXXX, XXXX, XXXX, XXXX came back with the remarks that this item remains unchanged from our processing of your dispute in XX/XX/XXXX. This Account continues to report inaccurate/ unverifiable information with missing data on my credit report and needs to be REMOVED and DELETED PERMANTLY. The Second XXXX XXXXXXXX XXXX Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX Came back Verified and they updated the status of my account to : The Second XXXX XXXX XXXX Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I have never had a contract with XXXX XXXX nor have I ever made any kind of consideration to pay XXXX XXXX. So, it is illegal for them to keep updating this account as past due. I also received a form XXXX Cancellation of debt from XXXX XXXX stating that {$7200.00} had been discharged but regional acceptance continues to report to the three credit bureaus that I am still past due {$9700.00}. after it reported a XXXX to the IRS for the { {$9700.00} } as income. Income is no longer debt as taxes are paid on income. I have tried to reach out to XXXX XXXX to resolve the matter but got the run around and hung up on several times. In accordance with the Fair Credit Reporting Act, everything has to be % 100 accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these XXXX accounts listed below are in violation of not reporting % 100 accurate and need to be DELTED and PERMANTLY REMOVED from my credit report : XXXX XXXX XXXX Acct # XXXX ... 

XXXX XXXXXXXX XXXX Acct # XXXX ....
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (IN)

I had a credit line with Upgrade in XXXX, I started making payment and could not continue due to hardship. It seems line the debt was transferred to a third party. Last week I found a pile of paper taped up on my door without any envelope and with all my information exposed. The first stating that I have been sued by Velocity Investment LLC. I never signed any agreement with a third party. They came to my door and post personal information which was exposed to the public. They violated my rights. I was given a until the end of XXXX to respond. Any that you can do to help will be very appreciated. Please, advise. 

Thank you
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern at the Consumer Financial Protection Bureau, I am reaching out to request your immediate assistance in a matter involving Chase, where I find myself at a standstill due to their lack of response to my submitted materials. Despite multiple attempts to communicate with the corresponding office at Chase, my efforts have been met with silence, leaving me in a state of frustration and uncertainty regarding the status of my case. 

For context, I had complied with a request from Chase for additional information concerning a specific transaction. Below, I have provided the content of my previous communication with Chase, which includes the requested information and my contact details for verification purposes : Hi, I am here to respond to the additional info request from your correspondence request. Reference case number XXXX. " These funds are linked to the wire credit you received on XXXX XXXX, 2023, for {$20000.00}. Please provide us with a valid phone number to call to verify the wire. '' Here is the info. TEL : XXXX XXXX XXXX Email : XXXX You may reach over via the info provided to confirm the transaction. Attached your office correspondence. 

Regrettably, since sending this email along with the necessary attachments, I have not received any acknowledgment, response, or further instructions from Chase. This lack of communication is not only unprofessional but also hinders my ability to resolve this matter effectively. 

I kindly request the Consumer Financial Protection Bureau 's intervention to ensure that Chase addresses and follows up on my case with the seriousness and attention it warrants. My goal is to have a clear and prompt response from Chase, clarifying the next steps and acknowledging receipt of my submitted materials. 

Thank you for your attention to this urgent matter. I am hopeful that with your assistance, I can achieve a satisfactory resolution. 

Sincerely, XXXX
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX/24 Capital One refused to transfer my direct deposit to my new bank after closing my accounts. The new Bank XXXX had done all the nessesary attaching to Capital One but they still required me to go to a ATM and withdraw the money XXXX dollars I did but the Debit card would not allow the transition. The funds arrived in the account today XX/XX/scrub>XXXX/24 early morning.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

So I sent a transfer to a XXXX XXXX as part of A payment for a car thst I didn't receive yesterday by a computer on XXXX XXXX and they refuse to give me my XXXX back and also cash app refuses to Give me back my {$300.00} that I sent to a XXXX XXXX on the XXXX birthday card also then I sent a {$500.00} prepaid gift card yesterday to them plus another {$200.00} gift card to them and I got my {$1500.00} back but none of it and did not receive the car Bank won't refund me and there were cash app I need my money back
Consumer complaint received 2023-07-31
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. (LA)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXL XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credence Resource Management, LLC (FL)

XX/XX/2023 I tried to register for an account with XXXX XXXX online. I was unable to as someone else, who is not me, nor did they have my permission to, created an account. The fraudulent email used was XXXX. I filed a police report for identity theft, XXXX. I have been experiencing Identity theft for 10 years.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC (MS)

In XX/XX/year> I received a loan from Best Egg Loan that same month I filed a XXXX  XXXX bankruptcy & included them in the bankruptcy as well as provided them verifiable documentation from my attorneys office informing them that they had been included in the regular bankruptcy and amended bankruptcy ( XX/XX/year> ). Best Egg did not not honor the documentation that had been submitted via email. Every time I contact them they've given me the run around and refuse to update the credit bureau 's of the status of my account. They have my account listed as delinquent 90 days when it should be charged off included in XXXX  XXXX bankruptcy. They are the ONLY company that has given me a hard time.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On or between XX/XX/XXXX and XX/XX/XXXX the account ( XXXX XXXX XXXX was deleted from my XXXX credit profile because it had inaccuracies and could not be verified. 

I recently revied my Experian credit profile and notice that on XX/XX/XXXX { XXXX XXXX XXXX } has reported this account without a 5 day notice. { XXXX XXXX XXXX and Experian } both have violated my consumer rights once again according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy witch states below that they are in violation.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2023-06-14
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. (PA)

I am corresponding regarding the INQUIRIES section of my consumer report. After reviewing my consumer reports today, I do not recognize any of the following inquiries listed. Furthermore, I can not find any record that gave them permission to pull my credit report, or to report my information to any 3rd party, thus making them unauthorized.

UCC 1-201, 18 USC 1028a ( a ) ( 1 ) ( c ), 15 USC 1681d , 15 USC 1681c-2 , 15 USC 6802 ( a ), 15 USC 1681b ( 2 ), 15 USC 1681q, As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. I do not wish to have a fraud report to be placed on my reports. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. 

I do not wish to have a fraud report to be placed on my reports. Should I, in the future, wish to have a fraud report on my account, I will do this myself. 

Should this deletion not occur, please respond to me within 30 days citing detailed and specific reasons for not deleting each line.
Consumer complaint received 2023-02-03
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. (FL)

XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The Reporting of Late Payments after a repossession has occurred.

This is a factual error.

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate.

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact.

Discrepancies like this are unacceptable ; I have the right to an accurate credit report.

And this is unacceptable.

Please remove this account from my credit report. As soon as possible. Thank you.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX Comenity collection department collected {$66.00} as a payment to take the balance to {$0.00}. 

On XX/XX/XXXX Comenity collection department send me a bill with a balance of {$110.00} due on XX/XX/XXXX I called to dispute this new amount and they told me that a manager can override any previous agreement made with any agent and that they would not take that off my balance. I told them that the agent had spoken to a manager, and they agreed to take off all the other charges to listen to the recorded conversation we had. They said they do not keep recorded messages and they do not have transcript of the conversations. 

The original amount is {$20.00} for a yearly membership fee that was never used so I forgot about it and did not cancel. Those {$20.00} grew fees on top of fees. 

They did not want to come to an agreement, nor did I know about my rights stated in 15 US code 1692, under section C. They did not go to the right channels and process to collect my money and once again to avoid more fees I ended paying them the {$110.00} on XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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. (NJ)

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2022-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Company not following FCRA guideline when it comes to reporting and validation. I sent this company 5 letters for a validation of debt over a 6 month period. Received no response. In legal terms meaning you have 30 days to respond in which Ive yet to receive anything. They continuously keep re-aging the account and keep reporting negatively to the 3 credit bureaus. They even have the account set as open when its closed which from my understanding is in fact ANOTHER error. This company is violating my consumer right to privacy pursuant to 15 USC 168 1b2. Company also has No permission to report ANYTHING using my info.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports, per the CFPB. Why are these still showing on my credit report in 2023? All three credit bureaus are still reporting old, small medical collection accounts and this is hurting my ability to gain employment.
Consumer complaint received 2023-02-03
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)

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 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 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 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
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I HAVE PROBLEMS WITH BANK OF AMERICA SOMEONE MADE A FRAUD WITH MY DEBIT CARD AND FRAUDED ME WITH {$4500.00} I MADE A CLAIM TO THE BANK AND THEY AS IF NOTHING TELL ME THERE WAS NO FRAUD AND THEY KEEP ALL MY MONEY, I MADE A COMPLAINT AGAIN TO THAT THEY INVESTIGATE I WILL MAKE A COMPLAINT TO THE POLICE DEPARTMENT, I NEED HELP TO RECOVER MY MONEY. CLAIM ID # XXXX
Consumer complaint received 2023-07-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2021-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC. (ID)

I signed up for a Coinlist account on XX/XX/11 through a referral that offered {$10.00} in XXXX for buying or selling {$100.00} worth of assets in a single trade, subject to a {$20000.00} monthly pool, as long as the trade is made in 90 days. Coinlist proceeded to take nearly two months to approve my account but eventually it was approved and I deposited {$100.00} on XXXX and made a transaction of XXXX XXXX for {$100.00}. This date on the fourth of the month was well within the time period that the {$20000.00} monthly pool was valid. I have not received the referral bonus yet despite multiple messages.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AZ)

I am being contacted and harrassed by Radius Global solutions about a debt wXXXX XXXX XXXX XXXX they say I owe of a little over {$600.00}. I repeatedly tell them I have not had an XXXXXXXX XXXX XXXX  account for over 20 years and owe them nothing. They keep asking for me to verify my social and I tell them no. They did ask if my email was XXXX which I said it is not. They asked if I lived at an address in XXXX XXXX, MD which I have only lived on the XXXX XXXX in XXXX XXXX XXXX, so they clearly have the wrong XXXX XXXX. Please make these vultures stop texting, calling and bugging me when I don't owe XXXX XXXX XXXX  anything. I actually called XXXX XXXX XXXX  and gave them my social and nothing came up. The lady there said this is probably a scam, but either way, I am putting this in just in case. I also have credit protection on and show nothing on there for collections from anyone, let alone XXXX XXXX XXXX