davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (VA)

As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, Chase has XXXX from the XXXX credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my XXXX XXXX dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all XXXX credit reports and couldnt identify a real issue. I called Chase to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like Chase, abuse regular citizens and harm their lives!
Consumer complaint received 2020-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CA)

XXXX XXXX and their collection agency, RMS, have sent multiple demands for repayment of monies properly paid to us for consumer healthcare services. They have ignored our multiple written demands that they validate this debt and explain why they think payment is owed. Please see the attached document, which is my most recent letter as well as previous correspondence. Thank you.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

It is impossible to enact a credit freeze on the Experian website. Myself, along with four other individuals I have spoken to, have all gone through the online form were denied and asked to mail in the documentation. 

On top of that, there's no easy way to access the freeze form on the Experian website. It's hidden behind the advertisements for XXXX, a paid service that is basically a credit freeze. 

Experian is purposefully making it difficult to get a credit freeze in order to promote their paid XXXX  service.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (NJ)

In XX/XX/2017 I signed paperwork with TD Bank in XXXX, NJ for a {$15000.00} installment loan to consolidate and payoff my credit card debt. I signed up for autopay from my checking account which is with TD bank. The loan term was for 60 months and TD bank was to debit all XXXX payments automatically from my checking account. Just recently I went to apply for a auto loan and to my surprise and anger on my credit report there is a charge off for {$320.00} from TD bank. This dropped my credit scores well over a XXXX points. I contacted TD bank customer service and asked them why my last payment was not auto debited like my previous XXXX payments. They told me that the last payment was supposed to be paid manually by me. I looked at all my signed paperwork that is still with me and no where it is mentioned that the last payment was to be made manually nor was it disclosed by the bank agent when I signed all the paperwork at TD Bank in XXXX, NJ on XX/XX/2017. Both my checking account and installment account is paperless. I spoke to TD bank in the recovery department who was trying to collect a debt and he mentioned that on the intra bank authorization form is where it should indicate that last payment is made manually. I told him no where on my signed XXXX bank authorization form did is say this. He told me to contact the XXXX branch and ask them why they didn't auto debit my last payment and they would go about rectifying this huge mistake. I spoke to a assistant branch manager XXXX on the phone at the XXXX TD bank branch and she contacted the appropriate people who handle this and told me it was a clerical error and to give her XXXX to XXXX  days to get back to me. Today she told me that her supervisor said that TD bank mailed be letters after they didn't take the last payment and it is my fault. I told them I didn't receive any letters from TD Bank and to provide proof of delivery. I told her that my checking account is paperless and my installment loan payments were set up for autopay when I signed all the paperwork on XX/XX/2017. I have all the installment loan paperwork and there is no mention of the last payment being manually. I believe TD bank has violated some laws in the truth and lending disclosures.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I WAS A NEW CUSTOMER WITH CAPITAL ONE TRYING TO RESTORE MY CREDIT AND DUE TO THE FACT I AM JUST COMING OUT OF HOMELESSNESS AND HAVE TO DEPEND ON THE PAYMENT I GET FROM THE GOVERNMENT I WAS 6 DAYS LATE MAKING A PAYMENT. I MADE THE PAYMENT AT XXXX AND IT WAS NOT REFLECTED IN MY ACCOUNT. I HAVE MY RECEIPT THE PAYMENT I OWED WAS {$25.00} AND I WAS CHARGED A LATE FEE OF {$25.00} FOR BEING 6 DAYS LATE. THAT IS ROBBERY. THERE IS NO WAY MY LATE FEE SHOULD BE AS MUCH AS MY PAYMENT. 
ACCT # XXXX
Consumer complaint received 2023-02-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (TN)

On XX/XX/2022, I submitted a CFBP complaint about World Finance Corporation reporting inaccurate information on my consumer report. I, the consumer demanding World finance to removed this account they are reporting to my consumer report. They did not removed. On XX/XX/2022, World Finance sent a loan application, terms, and condition of the loan, a financial transaction history of the account, and a copy of the bill of sale agreement between. Worl Finance used to call me almost every day and after I sent them the debt verification, the phone calls stop but that does not mean that stop the stress, the mental breakdown, the humiliations, the embarrassment they had cause me.

This inaccurate collection NOT MINE. I never provided any written consent or premissible purpose for this allege creditor to report on my credit report. I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted. 

I attach a copy of the identity theft report.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (TX)

I have been reporting identify theft and incorrect reporting for the past 5 years, and Experian refuses to properly investigate, inform me of their investigation and/or remove/block these accounts from my credit profile. Even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. Only Experian refuses to remove these accounts.
Consumer complaint received 2022-09-04
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: Eastern Revenue, Inc. (PA)

XXXX will not remove this illegal account off of my credit report. I have tried disputing sever times and now it doesnt even let me dispute it. I want this illegal account removed from my credit report immediately. 

15 US 6802, 18 USC 899, 15 USC 1605 15 USC 1692 6, HRJ 192 73 C, 18 USC 894 15 USC 1681B ( 2 )
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

This company midland credit management is not licensed to collect debt in New York. Yet they have all of my information and change info on my credit report weekly. This debt was caused by fraud from a family member. I would like them to take the account off of all 3 credit reports as they are operating illegally in New York State.
Consumer complaint received 2023-02-10
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)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND this account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.
Consumer complaint received 2023-02-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (GA)

On XX/XX/2023 @ XXXX, I spoke to XXXX and he stated that the car resold at the XXXX XXXX for a little on XXXX XXXX dollars. I requested the original contract, payment history and proof of payment ( mines and when the car was sold at the auction ). I also emailed the request on XX/XX/2023. 

I made a phone today ( XX/XX/2023 ) and spoke to XXXX with the " legal department ''. He stated that an automatic email was sent to me on the XXXX of XXXX stating to call them. Which i did not receive. I asked him could he send me a screenshot of just the date and time that he see of the email that was sent to me and he refused. 

Since I requested this information on XX/XX/2023, I have not received any phone call, text message, email, nor mail about this account since my request and now it violates my rights since it have been over 30 days.
Consumer complaint received 2020-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (TX)

This is not my debt. I have never done business with this company yet they continue to harass me and threaten to keep calling no matter what I tell them. I asked them to send me proof that I signed up for their service and they said they don't have to do that.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (LA)

XX/XX/2024 - I attempted to link my bank account to my CashApp in order to transfer {$970.00} from CashApp to my traditional bank account. 
When linking my account, I received a rejection alert that it could not link because my " account has been linked to activity that violates the terms of use. '' I bank with XXXX XXXX, and my account has never been involved or even suspected to be involved with any illegal or unusual activity, so I was very confused. I called customer service and there was no explanation as to why the account was flagged and unable to be used, only that it could not be used. The resolution was basically a sales pitch to order a CashApp debit card in order to withdraw my money from an ATM, which consequently would net CashApp {$3.00} per ATM withdraw. I declined and requested my case be escalated- a process by which is done via e-mail only. 
XX/XX/2024 - I received an email from the CashApp " customer service manager '' who advised me that my zip code may be incorrect- this was not even the nature of my issue, my debit card has been linked for approximately 2 years and been used without issue, only now when I wanted to link my actual bank account to route my money OUT of CashApp did I have trouble. I counter e-mailed stating that this was not my problem and asked for resolution to my actual problem. The response email stated that they had provided all the information they could and would not provide any other information and my complaint would be closed. I contested and asked for further escalation and was told again that they had provided information to resolve me issue and my complaint would be closed.
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION (CA)

We received a Statement of Credit Denial. The date on the statement is XX/XX/year>. It specified Loan Number XXXX. 

We have not attempted to take out any loans whatsoever. This had the feel of a phishing attempt. When I contacted them, instead of being able to use the Loan Number to look up our records, they said they would need more personal information. 

The company 's agent was unable to explain why we would get a loan refusal when we never attempted to get a loan.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (RI)

This account was opened in XXXX, I never received any card nor any communication from the company. The credit card was never used nor were there any charges ever filed on this account. The card was never used because I never had custody of this credit card. I've asked numerous times to remove the card from my credit report because it's hurting my credit score. The Credit Card company eventually closed the account due to inactivity but never removed it from my credit report and continues to report it to credit rating companies; including : XXXX, XXXX, and XXXX. This has caused me to lose a job opportunity with XXXX XXXX due to many closed accounts. This account needs to be immediately removed from my credit report meaning a full deletion because I never used this card, never had custody of this card and who ever opened the account never charged anything either.
Consumer complaint received 2020-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data is a completely unreasonable arm of the rental industry and a disgrace to multifamily properties. 

The first time they call they assume we are losers and they are not shy about lecturing us on how to manage our finances. Both I and my wife have an 800+ credit score and make a high six-figure income. What makes them think that we would try to cheat a property management company for {$250.00}? 

Anyways, the property management company already said they have corrected the amount we owed as there were double charges but the IQ Data insists to pay the original amount. Their representative ( XXXX ) is so rude that she talks over us all the time and don't even want to listen to anything else. 

It's so sad that these people are forced to work in such kinds of jobs and trained by vultures. I can just imagine how XXXX up kids they would be raising after doing such horrible jobs. Hope CFPB can control this beast of company and get relief to American families who are just trying to survive from day to day.
Consumer complaint received 2024-04-08
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

This creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC 1681 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-21
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. (NY)

I XXXX XXXX never gave ( Experian ), any verbal or written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
None of these companies have lawful authority to put any account on my consumer report. 

All accounts list below must be deleted! 
I research these are Violations under the fCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent accounts. 

15 U.S. Code 1681c2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Thank you.

Each one of these accounts need to be deleted immediately!!!

List each account here along with the full name of the account and it's account number XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once again, all accounts above shall be blocked and deleted from my credit file immediately! 

This will be forwarded to the Consumer Financial Protection Bureau, I will also notify my attorney generals office as well. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Between XX/XX/2023 and XX/XX/2023 an inquiry made by CAPITAL ONE was added to your credit report. 

Capital One! XXXX CAPITAL ONE XXXX, VA XXXX ( XXXX ) XXXX I did not apply for a new line of credit. 
I did not give permission to apply for a credit card or any other services through CAPITAL ONE. 

This is FRAUD or IDENTITY THEFT. 

I have reached out and tried contacting the number above, it only leads to a automated teller trying to sign me up for a new credit card.
Consumer complaint received 2020-01-02
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 writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA 's. On XX/XX/2019, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Previously I contacted TransUnion and sent supportive documents Including the police report of Identity Theft. Information is still reporting incorrectly. 
Such information can result in issues with my XXXX  and private contracts
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. These two accounts were listed without my knowledge, permission. Both accounts are closed. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$8.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$8400.00}