davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I have 4 businesses and business accounts for over 6 years with JP Morgan Chase. Upon opening all of my business accounts I was 100 % transparent with the banker on the type of business it was and how it operated on a daily basis. I have even complied with random compliancy checks regarding my customer accounts, locations, and agreements. I recently received a letter dated XX/XX/2018 from JP Morgan stating that " We have decided to close your accounts ''. I received this for only 1 of my 4 businesses and zero explanation was given. Upon calling the XXXX number to inquire, I was told that they have decided to close my accounts and do not need to provide a reason. I was told their compliancy department made the decision but there is NO way to speak to anyone in that department. I know what the reason is, and it is blatant discrimination against a business segment they no longer want to do business with. I understand they have sent similar letters to others in this industry as well and by terminating my banking relationship they have caused financial damage to my company that must use a national bank to operate on a national level. The particular business I operate that Chase decided to close the accounts of was a full service ATM processing, placement, and servicing company.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (CA)

I called to notify Asset Recovery XX/XX/XXXX the debt was not mine and the woman I spoke with couldn't provide me with the information needed to ensure it didn't wind up on my credit report and when I indicated that the debt did not belong to me and asked when it was opened, XXXX and when it was charged off XXXX, I indicated that it was 13 years old and I also have never in my life had a line of credit and didnt open the account and she began to tell me how embarrassing it must be to know I'm not able to pay my bills and especially from that long ago and hung up on me. When I tried to call back the operator wouldn't connect me with a manager.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (SC)

I contacted XXXX XXXX XXXX but they were unable to identify my account and to give me an answer ( the correct amount of my debt and when the last payment was made ) .My ex husband used to make payments but then stopped. I asked XXXX XXXX to apply for a financial aide but I never got a reply. 
I sent 2 emails to Paragon Revenue Group, however they never responded.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

There is a negative/delinquent item on my Experian credit report. It ONLY exists on my Experian report. It recently showed up in XX/XX/XXXX. This new item dropped my score from XXXX to XXXX. I tried disputing it through the bureau, but they did not resolve it. 

From what I can tell, the company does not exist. The phone number on the Experian report for the business does not work. I check the address and there is no company that exists at that address. In fact, the address is currently for rent when I googled it. 

The Company is : XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX According to Experian- It says it was an education loan opened XX/XX/XXXX. 
The opening balance was {$0.00} It says that I failed to pay in XX/XX/XXXX. 

I never had this account and don't know what it is. As I mentioned earlier, it showed up out of nowhere a few months ago. 

Also what makes this weird is how can one fail to pay a XXXX  balance? 

I attached 3 screen shots : 1. Shows the account on my credit report, you can clearly see the opening balance was XXXX and it is negative in XXXX 2. I attached a screenshot of Experian saying I can not dispute this again, I tried calling and they forwarded me to you 3. I attached a screenshot of the address listed on the Experian report is currently vacant and for rent as of XX/XX/XXXX supporting my claim that this is a non-existent company
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C. (KS)

I received a letter from Blitt and Gaines claiming I owe a debt that they never validated nor did XXXX XXXX XXXX. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.
Consumer complaint received 2018-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LD Holdings Group, LLC (IN)

Through a second mortgage on the house, I procured the funds to pay off the loan with Loan Depot. I received a check from my current mortgage company in the amount of {$12000.00}. I called Loan Depot for the address to send the final payment to. I sent the payment to that address. I was waiting for a refund for the overpayment, when I received an e-mail with a notice of payment due. I called Loan Depot and was informed that they hadn't received the payment. When I questioned further, I found out I was given the wrong address ( XXXX XXXX - their previous loan service provider ). I've provided them a copy of the cancelled check. They will not credit my account for the pay-off that was made. They need to credit my account and refund the overpayment as well as the payment I made while waiting for the cancelled check.
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

To whom it may concern, I looked through my credit report earlier last month and found a few items that I felt needed to be verified. I sent Portfolio Recovery verification letters by certified mail with a signature return. The letters were received by Portfolio Recovery onXX/XX/XXXX. When I looked at my XXXX XXXX   Credit Monitoring onXX/XX/XXXXit said that Portfolio Recovery had updated XXXX. Portfolio Recovery updated XXXX onXX/XX/XXXX twice, there are two accounts. It also updated XXXX onXX/XX/XXXX twice. Can they update an unvalidated account four times like that? I thought they needed to send me the validation I requested first. XXXX XXXX reports " meets FCRA. '' That can not be true when I have disputed with all three credit bureaus as well as Portfolio Recovery and received no answer as of XX/XX/XXXX. My credit bureau disputes were received at the beginning of XX/XX/XXXXby all three and are documented with certified mail, a signature return and the USPS website with what delivery date is.

Portfolio Recovery had previously updated my credit reports on XX/XX/XXXX

I included a screenshot of the letter that I sent Portfolio Recovery and I also have dated documents ( Certified Mail with Signature Return ) for when they received my asking for validation of debt.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

I moved out of XXXX apartment on XX/XX/XXXX and paid all my utilities and closed my utilities account. 
When I saw there is a debt collection on my credit report, I reached out to National credit systems ( NCS ). NCS said that I did not pay utility bills and the documentation they provided says that payment activity and move-out date was XX/XX/XXXX. I asked them to provide any proof to prove that I stayed at XXXX apartments during XX/XX/XXXX but they did not provide any details and also they did not give me any contact details to reach out to Utility services. 

Even though I gave a call to first billing services where I used to pay my utility bill during my stay in XXXX Apartments and representative said that all payments are done and account is closed long ago. 

NCS is fraud and very rude on phone calls and not even trying to resolve the issue that they fraudulently reported on my account.
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (TX)

For more than a month, I have been receiving multiple ( more than 11 in one day ) phone calls almost every day from various phone numbers at all hours of the day ( XXXX XXXX to XXXX XXXX  ). Initially when I answered these calls I explained to them that I do not owe XXXX   XXXX any money and that in fact, as I have sent them notification and documentation, they owe me money. They leave recorded messages asking for my attorneys name saying it is urgent before legal action is taken. They have now starting calling and harassing my family members. When I've asked to speak to a supervisor or for them to send some type of written communication, they refuse and hang up.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax credit reporting agency is giving hard time while I called and tried to dispute and remove an address from my credit file which does not belong to me. They asked almost 15 questions over the phone " in order to verify my identity ''. But before asking all this questions they've already verified my identity asking me my full name, my social security number, my date of birth and my current mailing address. They just waist American consumers times. They almost asked me to give a blood test to " verify mi identity ''. Whatever ... They are refusing to remove a former address from my credit file for no reason ( which is reporting in there but never been my former address ).
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

I booked travel through ultimate rewards using points and credit card charges ( itinerary # XXXX ). Travel schedule was subsequently unacceptably altered by airline and was then cancelled. The airline refunded travel to XXXX XXXX. XXXX XXXX e-mailed me XX/XX/2021 that a refund of XXXX points and {$430.00} credit card charges was being was being processed. I did receive the credit card charge refund but havent received the point refund despite several contacts from me and their promises to promptly do so. I contacted them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries on my credit report by Experian, XXXX, and XXXX. It appears that these inquiries were made without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 

The FCRA outlines permissible purposes for consumer reports, and one of these purposes, as stated in 15 U.S. Code 1681b ( 2 ), is to furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Furthermore, under P.L 90-321 ( 82 Stat. 146 ), which supports the FCRA, stricter provisions are in place to ensure that consumer reports are only obtained in response to specific requests authorized by certain government agencies.

I have not provided written consent for these inquiries, nor have I authorized any entity to request my credit report for the purposes for which these inquiries were made. As such, it appears that Experian, XXXX, and XXXX have violated the FCRA by furnishing my consumer report without my written instructions or consent. 

I would also like to bring your attention to the Privacy Act of XXXX, particularly 5 U.S. Code 552a ( 4 ), which defines the term " record '' as any item, collection, or grouping of information about an individual maintained by an agency. This includes, but is not limited to, information about the individual 's education, financial transactions, medical history, and criminal or employment history. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these unauthorized inquiries. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized inquiries. 

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/XXXX
Consumer complaint received 2022-05-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had 2 Bank of America credit cards opened in my name. One on XX/XX/22 and the other on XX/XX/22. Both had a credit limit of {$10000.00} Bank of America closed both accounts
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I am supposed to receive a {$400.00} bonus points after opening a new checking and saving account between XX/XX/18 - XX/XX/18. I opened a checking and saving account on XX/XX/2018 and funded the account on XX/XX/18. I have satisfied all the terms and conditions per the promotion. 

The terms and conditions say : " If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulll required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all required activities. '' Based on the terms and conditions, I should have received my {$400.00} bonus long time ago. I reached out to different bankers ( over the phone and in the branch ) for almost a month. They all said I should have received my money, they have set up the case, but there is nothing they can do. When I reached out to the first and second bankers, they told me to wait, the bonus is coming. The third banker finally set up a case for me and told me to wait. The fourth banker said my bonus has been approved and I should have received my bonus in the week of XX/XX/2018. However, my bonus never came. Then I reached out to the fifth banker, and I was told that there were nothing they can do about it because the case has been set up, the bonus has been approved. Yet, they don't know why I have not received my money yet. They said their hands are tied. I was shocked when I heard that. 

It appears to me that Citibank is lying about their promotion and they don't keep their promises. Citibank even failed to do proper follow up for my complaints, despite I have reached out to different department several times in the past month. I sincerely hope that CFPB can take enforcement actions to Citibank for this dishonest practice and compensate me for this. 

Attachment : Citibank promotion information
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have sent to XXXX  and XXXX  copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to XXXX  3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes Trans Union in this complaint on the inquiries.
Consumer complaint received 2022-05-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

Was approved for a XXXX XXXX second mortgage by XXXX  XXXX XXXX XXXX. Account # XXXX. Case mgmt # XXXX. 

XXXX XXXX XXXX sold servicing to Specialized loan Servicing, account # XXXX. 
XXXX. 

Was to receive incentive for payment for 5years at the end of sixth year. Was not in note, however my first mortgage did not include in note either. Did some research and found that after XX/XX/2012 per HUD, lenders were to notify of incentives separately by mail. Never received a notice. They are also supposed to send notice of incentive payment due 1 month prior to the sixth year anniversary. This did not occur either. 

When loan was transferred, I called Bank XXXX XXXX and the assured me the XXXX qualified for incentive and that new lender would be aware. Called Specialized loan servicing and they concurred. 

My XXXX anniversary date plus one month was this past XXXX, was told perhaps the next month. Called in XXXX as there was no principal incentive applied. Was told there was no information on file for them to do so. They wanted a document to show proof. 
Called XXXX  XXXX XXXX case management department and they had nothing on file except for the note. Their number is listed above. 

Did more research and found that the loan servicing department would handle incentives and reporting. 

Can you please assist me in getting this resolved?
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Charged {$14000.00} XXXX XXXXXXXX on XXXX Citi credit card on XX/XX/2018. It was my understanding that based on XXXX Citi Visa Card web site that trip cancellation was covered. while trying to make a claim i was told that the business version of this card does not have this benefit. This is not stated on the web site. I have the non business card also and would have used it if it was stated on the description of benefits
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-17
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. (CA)

These following inquiries on my credit file are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gatestone & Co. International Inc. (CT)

GATESTONE CO & INC has sent me a debt collection letter in attempt to collect a alleged debt stating they are financial partners with XXXX XXXX. Notice it is a fact GATESTONES CO is a debt collector and falls under FDCPA. Notice it is a fact XXXX XXXX has charged off the alleged debt and has sold it to GATESTONE CO. GATESTONE CO has violated me on multiple occasions under the FDCPA and are liable for damages under 15 USC 1692k-15 USC 1611 and 15 USC 1640. I have tried to settle the matter IN GOOD FAITH and GATESTONE CO has ignored me and tell me they do not fall under the FDCPA and that they are not a debt collector which is false and misleading. I have DEMANDED validation of debt under 15 USC 1692g and GATESTONE CO has failed to validate accordingly and state they do not have to validate according to Federal Law. I am tired of dealing with this debt collector and they have caused me damages in the form of mental stress and physical tiredness. I have been lacking sleep and not eating well because of the misconduct and failure to respond to me accordingly by GATESTONE CO.