davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (FL)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. 

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. 

They also violated my rights under : 15 U.S. Code 1681i section 5. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They also violated my rights under : 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. 

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

There were three fraudulent transactions made on my Chase business debit card on XX/XX/XXXX. One from XXXX for {$79.00}, one from XXXX for {$160.00}, and one from XXXX in the amount of {$220.00}. When I noticed the charges through my online bank profile, I immediately called Chase to notify them of the fraudulent charges and they canceled my card and issued me a new one, and they credited back the charges. 

Today, XX/XX/XXXX, I noticed that Chase reversed the XXXX credit of {$220.00} and charged my account. I immediately called them and they told me that the information they received from XXXX matched in reference to my name and billing address and that's what they used to seem that the transaction was valid. 

I did not make the transaction. I never received an email confirmation of the order because I never made the purchase. Also, the order was shipped to XXXX, CA and I live in XXXX, CA. 

I called XXXX and spoke to customer service to obtain more details on the order on reference to the information provided ( name, address, email address, phone number, etc. ) and they could not provide me with any information. They did file a claim for me and I received an email stating that they had already given my bank supporting documentation and if I wanted more documentation I would have to subpoena it from them. 

Please help!!
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK (CA)

MECHANICS BANK AUTO FINANCE IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND XXXX FOR THE MONTH OF OF XX/XX/2021. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR MECHANICS BANK AUTO FINANCE UPDATED THE ACCOUNT STATUS TO XXXX AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED XXXX AND NOT XXXX OR XXXX. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND XXXX. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.
Consumer complaint received 2022-07-11
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mr. Cooper Group Inc. (TX)

I sent RightPath a conditional Cease and Desist letter. They were to communicate with me only about the remedy I seek OR sending me documents I am requesting. I sent it certified mail, I have confirmation they received it on XXXX the XXXX. I received a called from a XXXX that is calling from RightPath, which sometimes serves as a debt collector. She called on the XXXX of XXXX ( XXXX am ) attempting to collect a debt. She violated the Cease and Desist and caused my wife and I stress and mental anguish over this alleged debt. I will be sending RightPath a letter of these facts.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Experian is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX.
Consumer complaint received 2019-08-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NY)

I have been a customer of TD bank for over 5 years.On XX/XX/19, I went into TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for an international wire transfer from my TD bank account to my XXXX XXXX account in XXXX.I went into TD bank with a bank statement from XXXX XXXX   that contained all the information required to facilitate the transfer.The amount to be transferred was $ XXXX.US dollars and I was advised that it would equate to XXXX British pounds and that it should be in my XXXX XXXX account by XX/XX/19.I travelled to XXXX on XX/XX/19 because I needed the money to buy a property in XXXX. 
I went into XXXX XXXX in XXXX, XXXX on XX/XX/19 but the transfer had not arrived but was advised by my bank in XXXX to wait for a few more days. 
I checked again on XX/XX/19 and the money had not arrived. 
On XX/XX/19, I rang Td bank from XXXX to notify them about what had happened and was advised to call back on XX/XX/19, which I did.I was then informed that an investigation would need to be conducted.I returned to New york on XX/XX/19 and deposited a pay cheque into my account on XX/XX/19, I discovered that a payment for {$28000.00} dollars had been credited to my account without prior notification from anyone. 
On XX/XX/19, I went into TD bank in XXXX XXXX.and requested to speak to a supervisor.I was seen by a lady called XXXX and explained to her what had happened.She advised me that the money paid into my account was a refund but that she needed to look into the matter.I informed that the refund is about {$1900.00} dollars short of the original amount and that I was not prepared to suffer a loss of almost {$1900.00} due to a failed international wire transfer because I had provided all the information that was required for the transfer.On XX/XX/19 a few hours after seeing XXXX she rang me to inform me that she believed that some type of error had occurred but she still needed to investigate the matter. On XX/XX/19 XXXX rang me to inform me that the lady who did the wire transfer had just returned from vacation and the reason why the transaction failed was because of an invalid account format.I advised XXXX that my XXXX XXXX account is still live and valid.I am appealing to CFPB because without your intervention I dont believe TD bank are willing to resolve this issue.I have already lost money by travelling to XXXX and failing to achieve my aim.I was not able to proof to the seller I wanted to buy the property from that I had sufficient funds available to purchase the property.
Consumer complaint received 2023-03-16
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. (CA)

XX/XX/XXXX found out name was breached in XXXX Data Breach. I notified the credit bureaus, FTC ID Theft Affidavit was filed and was given a claim of the Breach. 

I sent out letters XX/XX/XXXX and to dispute the erroneous accounts, addresses, and names that proves it not mine and requested investigations and verify that all info on my report are correct and accurate. 
According 15 USC 1681i, everything must investigated in 30 days and with verifiable and accurate info. XXXX and Transunion has violated my rights by simply not even investigating the errors. They also did not add that the accounts were in dispute. This is another violation of my rights. 
Transunion and XXXX deleted XXXX XXXX  account but illegally put back on the same disputed account with a new number. 
I have attached the FTC AFFIDAVIT that was filed in XXXX along with the new Affidavit showing the illegality of the XXXX. 
XXXX XXXX XXXX ND XXXX is commercial building, XXXX XXXX ND XXXX has three different variations of same address for abandon building. 
There still 20 variations of my name and 10 diffrent addresses. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Delete these errors and accounts that are not mine or I will want monetary compensation for my violating rights also discrimination due to my age and fraud.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX   XXXX 6.XXXX XXXX XXXX XXXX 7.XXXX  XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX  XXXX   13.XXXX XXXX XXXX 14.XXXX I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: GREAT LAKES (CA)

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX AND please REMOVE all other previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Thank you!
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NC)

The Citi website advertises that they partner with XXXX for credit history. I know that my credit union reports my credit score to XXXX so I went ahead and applied for a Citi credit card. I was denied and then when I called to check why I was denied the reason was because I had a limited credit history which was pulled from XXXX. I called the customer service line to ask why my credit history was just pulled from XXXX when they advertise that they pull from XXXX. The customer service representative stated that it is random which company is used and they will only use one or the other. I asked that since they advertised they pull from XXXX if they would pull my XXXX score since that is the one my credit union reports to. The lady said that once they pulled one they would not pull another and I would have never applied for this credit card if I had known that they would not pull from XXXX. This will hurt my credit score all because of inaccurate information on the Citi card  website.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I submitted an investigation request to Equifax over the summer. Several months have passed, and I still haven't received a response yet. They were supposed to respond within 30 days.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

Complaint to Citibank NA, Follow up to your letter XXXX XXXX On Citibank Letter dated XXXX XXXX, bank admit account to be fraudulent, account number XXXX And refuses to open an investigation for fraud. Since XX/XX/2022., banks continues on a denial You as the creditor for account, account number XXXX is the one who must prove account and you have not you clearly failed to turn over investigation report after 90 days period and you continue in violation and damaging my person. 

In addition I never had and dont have the above card, Neither I open the account Account Not mines. 

I hereby request to Citibank Na, to supply me immediately with a cancellation letter For account number XXXX, within XXXX business days Due to your refusal to cooperate on this serious matter and in denial unfairly treated Im referring this issue to matter to Consumer Financial Protection Bureau Office of Enforcement. 


Attacahed documents for review Citibank NA, Letter ,90 days lapsed never turn over investigation report Citibank NA, Letter admits accepts account fraudulent Citibank NA, inconsistency You have failed during the 90 days investigation to turn over documents proof For that reason send me a cancellation letter for account number XXXX, within 7 business days I will be force to communicate with XXXX XXXX, Fraud Prevention Thank you XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates. 
Reporting Opened XXXX. 

Account was charged off By XXXX  XXXX XX/XX/XXXX. 

Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting.

I called Dispute department at Portfolio on recorded line. Told he the issue.

She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt. 

She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong. 
Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job. 

Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.
Consumer complaint received 2018-11-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NY)

I used my money for a down payment with the loan originator XXXX XXXX on behalf of Sun West bank. Im a home owner of two properties so I was informed this way my wife XXXX XXXX account # XXXX they committed fraud against me. They also used fraudulent documents
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (LA)

I was going to login into my account but I could not gain access to it. I contacted support and they sent me an email saying my account is locked because of my suspicious activity. I XXXX XXXX on XXXX XXXX and I dont know what going on. This is the third time this has happened. All the transactions have the XXXX tag and/or XXXX XXXX, or miscellaneous bill payment tags.
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

Hard inquiries remove from credit report. XXXX. Syncs/JCPenney XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX I need there inquiry remove asap this is hurting my credit an interfere with my future Sincerely concerned citizen
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IN)

I contacted this collection agency in regards to the debt. I was asking questions about the credit reporting guidelines and I tried to ask the representative for the validation of the debt, because I paid this off directly to the original creditor prior to being placed in collection. I never received notification via mail that this debt was owed originally. As soon as I started asking for proof, the representative became short, told me he had to go, refused a transfer to a supervisor and refused to supply a name. The behavior exhibited by this agent confirms my suspicion that this is a fraudulent debt when I asked for proof. I 'm requesting I receive written validation of this debt from the original creditor including a payment history as this remaining balance was paid. I request the derogatory mark be removed from my credit report until I receive these documents to my correct address.
Consumer complaint received 2022-08-12
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. (NV)

I recently received a copy of my credit report and In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX 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 2018-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I paid an account that was charged off in the amount of XXXX. The money was electronically debited from my checking account on XX/XX/XXXX. Synchrony/JC Penney is telling me i have to wait 21+ days to get a letter showing my payment and that the account balance is paid in full. They didnt even send a receipt for the EFT from my checking account. I've talked to 3 or 4 representatives and each one has given a different answer about the wait time i.e. 21 days vs 21 business days. I have a home loan pending and i can not move forward without a letter and i planned around 21 days from the payment date, which is the info the last rep gave me, now as of today its 21 business days. Each rep has been unable to even give me an accurate date of when i can expect the letter to be available i.e what is the earliest date the letter can be generated? One person i spoke with today said 1 more day and that he would be filing a complaint internally. now the manageris telling me no letter will be generated until XX/XX/XXXX. I need help. Im a single mother of XXXX kids trying to purchase a home
Consumer complaint received 2018-11-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2018 I sent a letter to the collection agency to validate this alleged debt. On XX/XX/2018 I received a letter saying they " verified '' it but determined that my " dispute '' didn't contain sufficient information to resolve the matter. I do not owe this company anything. The original debt from, XXXX SOLD this account to the collection company, XXXX  XXXX. In the US law  encyclopedia, XXXX   XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.