davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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. (NV)

These items/accounts are reporting late as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$390.00}, XXXX  XXXX Date Opened : XX/XX/2022 Balance Owed : {$430.00}
Consumer complaint received 2023-03-17
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. (NC)

I am writing this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital One has a computer glitch which they are not disclosing to credit card users. Capital One made a zero percent balance transfer offer to consumers. Consumers who opted for the offer had the balance transfers show on their statements as a new purchase ( instead of balance transfer at 0 % ) and billed/charged 19.65 %. Capital One says it will take one to two months to fix the glitch. While Capital One works on their glitch, consumers are being told that they must make the minimum payment as due with the zero percent balance transfer being billed as a new purchase at 19.65 %. Capital One is not offering any options to consumers saying only they had a glitch which they have failed to notify credit card users about.
Consumer complaint received 2018-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Accounts Service (CA)

I was sent a collections notice by mail regarding a medical service I obtained from XXXX XXXX XXXX. The debt they are seeking to collect is not owed by me. I had reached my deductible at the time that I sought medical treatment from the provider XXXX XXXX XXXX. If any balance remains due to the provider it should be processed through my insurance provider XXXX from whom I have received no notice of balance due.
Consumer complaint received 2021-07-16
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. (TX)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on 07/16/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-07-09
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. (TN)

I recently sent Experian, XXXX, And XXXX Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

Dear CFPB, I am writing to file a complaint against Chase for mishandling a dispute and chargeback from a merchant, leading to unethical practices. 

Last month, I made a purchase on XXXX for a vacuum cleaner. The seller explicitly mentioned free returns and a no-questions-asked refund policy. However, upon receiving the product, I found it to be not worth the {$180.00} XXXX paid, especially considering it is being sold in XXXX for only XXXX XXXX, a significant difference. When I requested a return and refund from the merchant, they provided only a return address without a prepaid return label, leaving me with no other option but to involve my bank. 

I complied with the banks requirements and provided evidence for the dispute. Chase subsequently handled the case and initiated a chargeback from the merchant. However, today I discovered that they have deducted the same amount from my account again. It appears that Chase is attempting to make me pay for this amount while benefiting from the chargeback scheme. 

I request your intervention in this matter and urge you to take strict action against the banks behavior. 

Sincerely, XXXX
Consumer complaint received 2019-09-12
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: Early Warning Services, LLC (TX)

Early Warnings is reporting a XXXX XXXX XXXX bank account that states that I interacted with the account in an unauthorized or prohibited manor. There was fraudulent activity on my account, my wallet was stolen and it was not me who interacted with this account. I sent the police report to early warnings but they claim that there is no new information about this account. In XX/XX/XXXX and XX/XX/XXXX, I sent a letter asking the method of verification used to obtain the results of their investigations. Both times, they have failed to provide me with the requested information. I have also attempted to reach the bank by sending a letter to the address provided by Early Warnings and I have not received any response from XXXX XXXX XXXX. I have attached all documentation received and sent to Ealy Warnings, including a copy of the police report.
Consumer complaint received 2023-06-29
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. ()

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (WA)

I noticed a negative on my XXXX  credit report. After research I found that it is a 12 year old account opened in XX/XX/2006. This accoutn was always on autopay, but the creditor must have cancelled autopay at some point without notifying me. Therefore, the account shows late pays for 3 months, and now ways it is closed on XXXX. 
I attempted to contact the creditor ( CBNA, Citibank North America ) and they claim they have no record of my account. 
This is very low $ $ for me, and I just want to pay the account and have them correct the report, but nobody can help me. Even XXXX  refuses to give me more information about the account. 
The impact on my credit report has caused me to lose important business credit, and I'm at risk of losing my company which employs 30 people, and donates thousands to non-profits every year. Other than this issue my credit report is nearly spotless. 
Can you please help me get a response from Citibank so I can clear up the account and have it cleared from my credit report.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I have a checking, which my direct deposit goes into, a savings, and a secured card holding {$3000.00} of MY money. Right now, I have {$9000.00} in the accounts. 

I am getting married, and I was purchasing XXXX gift cards for my wedding party, and had to go to several shops, as they control how many they send you. I used my ATM card and pin number, plus showed my driver 's license at each store. 

On XXXX, the XXXX of XXXX, Chime froze all accounts, and would not let me log in. It said my account had been suspended. I called them and they " escalated '' the issue, which did no good other than add 2 additional days to the problem being fixed. They wanted a copy of my driver 's license, and they said my birthdate had been CHANGED by a CHIME employee on that XXXX  at XXXX XXXX. My license used 2 years ago has the same birthdate as the new one I just got, as my birthday is XX/XX/1956. I sent 7 pieces of documentation, and waited the 2 days. Nothing. I called again, and they changed the REASON they suspended my account and then asked for a selfie of me holding my license and the back of my license. I provided all of this. Nothing. I'm going to have my internet and phone services disconnected because I can't pay my bills. 

It has since been over 6 days, and NOW, today, they said my selfie was too " shiny '' and they needed a new one. But if I had not called IN, I would never have known this. 

They are playing games for the interest on my accounts, and I want my funds able to be withdrawn immediately. I do not want the account closed until I can get another way to access my direct deposit ( they take up to 2 months. )
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (NY)

Hi CFPB, I will like to file a complain about XXXX XXXX and Equifax, I requested an unrecognized inquires on my credit report and they refused to remove it for the past 3 months. 

This is really hurting me and my family and its affecting me from getting credits from other creditors due to too many inquiry in short term. 

i have sent three letters back to back telling them to please remove the inquiries and provide me an evidence of permissible purpose, but none of them have taking any actions. 
They kept telling me its verified. 

This is violating my right as a consumer and putting me emotional distress and i will like them removed immediate. 

Here are the list of inquiries under each buraus XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX / XXXX - XXXX XXXX, XXXX Equifax XXXX/XXXX   - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX Kindly help please
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OR)

I have tried on several occasions over a years time to request information to try and validate a debt they claim that I owe. All they are able to provide me with is a credit card statement. I have contacted several times asking for verification with my signature or some contract with a signature in order to validate that said debt is mine. They have been unable to provide any additional information. I am not able to validate debt and there continued reporting of this debt is bringing my credit score down.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (WI)

I have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it resolved
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

1. Shellpoint will not provide me a designated representative. My representative is supposed to be XXXX XXXX. 

Shellpoint is falsely stating that they can not reach me. I have asked my designated representative on the phone to communicate with me via email. There is along email trail demonstrating that is it false when Shellpoint says they have made several attempts to contact me unsuccessfully. 

2. Shellpoint will not communicate with me directly at XXXX. 

XXXX. Shellpoint is unreasonably alleging I need to contact them bi-weekly by phone. If they will not honor, their own written statements, I do not have any chance if they are not willing to put the options in writing. 

The reason this is important for Shellpoint to try and claim that I am not being cooperative is because I made the trial plan total payments. But, Shellpoint sent a conflicting statement and used their error to allege that I did not complete the trial payments for the modification. I contacted my designated representative about the conflict. He acknowledged and said that he would speak to his supervisor. When Shellpoint never responded back to me, I paid the alleged difference.
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (FL)

I am writing to address the relentless debt collection efforts I have been enduring from your agency. It has come to my attention that you are incorrectly identifying me as the debtor in question. I want to be unequivocal : there is no valid debt associated with my name, and I dispute any such allegations. 

Cease and desist all forms of communication with me immediately, including phone calls, letters, or any other means of contact related to this debt. Your actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) through false and misleading identification, causing undue stress and inconvenience. 

I want to remind you that, under the FDCPA, I have the right to be free from false and misleading practices on your part. You have a strict 30-day deadline from the receipt of this letter to remove any information associated with this alleged debt. Failure to comply with this demand will leave me with no alternative but to initiate legal action against your agency. 

This letter serves as a formal notice of my intent to enforce my rights under the FDCPA. I expect you to take this matter with the utmost seriousness, and I insist on the complete cessation of all communication with me until the erroneous information is removed. 

You are hereby put on notice : failure to adhere to these demands will result in legal action to rectify the incorrect reporting and harassment I have been subjected to.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX continues to keep fraudulent information on my consumer reports. I am a victim of identity thieves. They have open several accounts in my name. I have tried to dispute this information but I am told they cant dispute it. According to the FCRA they are required by law to verify every debt
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc (NY)

XXXX XXXX closed with a balance of XXXX $ sent to collections I settled with the collection agency of XXXX on XX/XX/2021 would like this off of my credit report. 

XXXX XXXX closed sent to collections with a balance of XXXX called XXXX on XX/XX/2021 they took it out of collections and I paid the full amount would also like it off of my credit report. 

Chime credit builder card- the account has no current balance owed would like this off of my credit due to me closing my checking/ savings along with my credit builder card.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (TX)

On XX/XX/2021, XXXX  XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX  XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2018-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MD)

I have a student loan with Great Lakes. Without asking me, they signed me up to have all bills and payment information sent to an email that I do not regularly check. When we called to find out why we were getting past due notices but had never gotten a bill Great Lakes told us that they automatically send all bills via email, without asking first if that is what we want. 

Great Lakes should not be permitted to choose the delivery method of bills and payment information. The customer should be allowed the option to choose their delivery preference. Because of this we were unaware that a payment was due, and were charged extra interest. 

It is unfair to communicate only by email, without first asking if that is okay.
Consumer complaint received 2021-07-16
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: WELLS FARGO & COMPANY (NJ)

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft WF/XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2020-06-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I was told I would have s lower rate to pay monthly on my Student Loan by a Navient loan servicer and recieved bill for way more than what was told to me .my income has been affected due to COVID and unable to make payments but was misinformed on how much Ibwould have to pay monthly and was told it would be forgiven after a few years.I never received paperwork to support that promise either.
Consumer complaint received 2018-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed this account 3 times since XX/XX/XXXX and they keep telling me it is verified and. And have failed to show me what they have on file to verify it when I can't even get the creditor to respond to me about it