davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

For an event on XXXX XXXX, I created a button on my website ( XXXX ) to sell tickets using XXXX as a service provider. I set up the payments to be processed through XXXX ( XXXX ). Somehow, during the course of this process, I was directed to also create an account with XXXX, and money was then exchanged using EITHER XXXX of XXXX ... I do not know how the customer ( if the customer ) could choose the process by which to pay, it seemed to be 6 in one, half dozen in the other. 

EXCEPT : all payments that went through XXXX ended up in my account on time, as expected. NOT A SINGLE PAYMENT processed through XXXX made it into my account. I have exchanged emails with XXXX enough to get tracer numbers for the funds. I have spoken with Chase for hours and hours and hours, often repeating myself ad nauseum for the sake of getting a complaint lodged. Chase has been extremely unhelpful, dismissing claims arbitrarily, and essentially telling me that I am XXXX ( not kidding! ). 

XXXX is adamant that the money left them en route to Chase, Chase says there is no record of the payment in their system. WHERE IS MY MONEY? This is getting to be extremely stressful, and much of the remaining money is owed to employees and vendors. I have documentation of the payments, as well as a claim open with Chase, and with XXXX. I am very confused as to how to proceed, as Chase has  been stonewalling me from the outset. 

Thanks for you help. 

XXXX
Consumer complaint received 2022-11-19
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. (PA)

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. Account name : XXXX XXXX # XXXX Account name : 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 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 ) ( XXXX ) 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 2019-08-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A. (PA)

Citi has repeatedly called my place of business for the past 2 months trying to obtain payment on a debt. I am in a program through XXXX XXXX XXXX where I am working to resolve my debt. My boss let me know that Citi called her and they informed her of my debt, which is extremely embarrassing. This is my personal business and now knowing that my supervisor knows about my current financial struggles puts me in a very awkward position. I have repeatedly asked Citi not to call any phone number other than my personal cell phone, but they continue to call my work.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent dispute notices for multiple accounts to XXXX, XXXX & transunion in XXXX of 2021 after I received a reply back stating that all accounts were accurate I sent in proof showing that each accounts were reporting inaccurate information. I was the. Told that it was still accurate on XX/XX/XXXX I sent a request to the bureaus asking who and how each account was verified since this is my right as a consumer I was advised that they dont have to reinvestigate any dispute. I never asked them to reinvestigate I simply asked them to provide me with the name and number of the person or persons that validated that the accounts were accurately reporting. The credit bureaus have repeatedly ignored my request and will not remove these accounts that are inaccurate, this is hurting not only my credit score but it is hindering me from living the life I deserve.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-12-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 


I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.
Consumer complaint received 2022-11-19
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. (NJ)

The credit bureaus indicated that my account was properly investigated, but how is that possible if the open date is not accurate, the last active date is not accurate, and the last reported date is not accurate? This ground for removal also violated my rights under 15 U.S.C 1681 section 602 A. It states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX
Consumer complaint received 2021-07-07
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: CMRE Financial Services, Inc. (NJ)

I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Both XXXX XXXX and Portfolio Recovery Associates have been improperly reporting the XXXX XXXX/XXXX account. In the Condition category the account should be listed as being paid and should say paid. Within the Condition category it should not say derogatory. This should not be listed as such because it does make the account looked as though it hasn't been paid. This has hurt my overall credit reports and score
Consumer complaint received 2022-11-19
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. (MS)

XXXXXXXX XXXX is reporting that I opened a card XXXX XXXX XXXX  I did not. 
Their reporting XXXX XXXX usage of {$200.00} This is not my account.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

My identity has been stolen along with my license, my bank information, my annuity information, my military ID, and several credit cards they also opened up five lines with five phones at XXXX. They took out {$42000.00} cash from my bank account all together. It was about a month now. They called my financial advisor and had him Transferred {$20000.00} into my XXXX account. I havent got any money back they gave me a new bank account but the person already took my money out and I dont know how theyre allowing this.also use my military ID  to go to the hospital because I suffer from XXXX and XXXXXXXX XXXX  they were drug attics who wanted to get drugs
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (AL)

XXXX, XXXX, and Equifax are all illegally reporting my information without my consent. Violating FCRA laws it is under my understanding that all debts that have been paid in full can not be reported as late nor can any debt be reported without my consent that is a violation of the law and considered identity theft. according to 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , XXXX XXXX notes, XXXX XXXX bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/1948, XXXX. XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2022-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Patch Homes, Inc. dba Noah (CA)

Straight flat-out blatantly discriminated against by XXXX, and it's XXXX employee senior underwriter ( XXXX ). Systemic institutional XXXX, and XXXX inequality business practices reared it's ugly head with blatant lies, bait, and switch misrepresentation taking place in the underwriting of my application process. The XXXX discrimination being performed by XXXX senior underwriter ( XXXX ), and her team members despite me being XXXX American, and having successfully concluded their document underwriting process, and paying in advance for the XXXX XXXX company only for XXXX discriminatory inequality business practices to rear it's ugly head, because I requested that I be assigned an more experienced qualified XXXX due to the age, and type of property that I have... which is my right as a consumer seeing that I paid the appraisal payment directly to the management company. Throughout the WHOLE document underwriting process i was being unprofessionally interacted with by ( XXXX ) the underwriter to include lies, bait, and switch misrepresentation in policy, and procedure... being contacted with phone calls from her from several different XXXX XXXX  phone numbers, and etc.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX ( 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 a account without my written instructions
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I filed a complaint with CFPB around XX/XX/XXXX because USAA would not give me an explanation on why they were refusing to do business with me they responded that they were in able to determine my eligibility XX/XX/XXXX I asked them to escalate the matter because I was never informed about the decision ultimately, I became an employed XX/XX/XXXX which one confirms Im eligible for their products yet they still are refusing to unblock my accounts to banking, life and property and casualty products
Consumer complaint received 2022-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I am a victim of identity theft .This collection are aware that these accounts are result of identity theft because i have provided my FTC affidavit, my police report. 


Fidelity XXXX XXXX XXXXXXXX I never had any services with XXXX XXXX XXXX I have provided my fraud package and never got a response and they keep verifying this fraud to the credit bureaus. 


I sent my police report and my FTC affidavit that i received from the Federal Trade Commission Certified mail copies enclosed and havent heard back from this agencies. They have caused me great damage and embarrassment also with emotional distress.
Consumer complaint received 2021-12-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

On XX/XX/2021 our property tax is due and as payments need to be received by XX/XX/2021 at the XXXX XXXX department in order to have no additional fees as well, have no late status on our account. Last year the mortgage company didn't pay our property taxes and we ended up having late fees assessed and were threatened with our home being taken unless taxes were paid. Taxes were paid out of our own personal account even though in our mortgage contract it states escrow would be used for property taxes and homeowners insurance. After contacting the company we were told they would refund our full amount ( full amount was never received due to some mix up in our escrow, as well something we were never advised of until an escrow analysis was preformed in roughly XXXX of 2021 ) and this wouldn't happen again the following year. Guess what? It is now XX/XX/2021 and property taxes are showing not paid. According to my payments, it does show an amount of {$850.00} being taken out of escrow on XX/XX/2021 and this states tax disbursement. It is now XX/XX/2021 and as stated above nothing has been received by the XXXX XXXX tax assessor. Taxes are due no later than XX/XX/2021 in order to not receive late fees however the date show on the tax assessor website show due date of XX/XX/2021. This is beyond frustrating as this seems to be a habit with this company and they seem to have an inability to correctly pay something on time. Lastly, I did send an email stating my concern and the response stated that the money was taken out of my escrow and paid on XX/XX/2021. However, I was also told if a delinquent notice is sent to me, I should send it to the mortgage company. Seriously? Because of their inability to pay last year we did receive multiple delinquent notices, and notices we noted to this company over and over again until it came to a point payment had to come from our own account. The company claims they sent a fed ex payment close to the time we paid the amount from our own money however IF any payment was mailed it was too late as we were close to having our home sold at auction due to how overdue the property taxes were and all due to this mortgage company NOT making the payment.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (CA)

I called XXXX XXXX card services on XX/XX/2018 to get next payment date and rep failed to let me know I was past due and said next payment was XX/XX/2018. It caused me to go 30days late with XXXX. 2nd issue is they don't have this recording and that worries me because its my word against there Company. I have 100 payments on time with all my creditors and can provide proof if needed. This is the only account with 1 late payment because of there rep giving me wrong information.
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX