davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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. (GA)

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  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AR)

Chase Credit Card services closed all my credit cards ( total 8 ) on XX/XX/XXXX without any notice. 
When I contacted Chase, they opened a review of this closure but I got a call on XX/XX/XXXX that they standby that decision and they will NOT reinstate none of the credit cards. Reason they gave was : 1. Many opened credit cards 2. Spike in large revolving balance I tried to argue my case that I applied for not more than 5 credit card in last 2 years or so and only recently applied for Chase XXXX credit cards. I am keeping cards ( and paying annual fees ) to increase my average age of accounts. 
I regularly pay my balances on time and has not delayed card card payment even once in entire credit history. 

While I understand that its Chase prerogative to extend credit line to me but I do think that this closure is unfairly done as I have not exhibited any behavior which deserves such an action.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2020-01-27
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. (MA)

Hello CFPB, I, XXXX XXXX is looking for your help because this is not fair to me. The fact is I have a XXXX  XXXX credit card and this was my first time saw the credit report through XXXX  XXXX website they offer the credit report for free of charge so I reviewed my credit report and I saw information is not correct that means I have never done with the Federal Loan. I have attached document for your review and I look forward to receiving your response soon. 
Below my contact information XXXX phone ( XXXX ) XXXX - XXXX Thank you. 

XXXX XXXX
Consumer complaint received 2023-01-15
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. - 15 U.S.C 1681 section 602 A. States I have a right to privacy. - 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-15
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. (GA)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

I went to a mechanic that I was referred to by my veterans coordinator XXXX XXXX with XXXX XXXX XXXXXXXX. He mechanic XXXX at XXXX XXXX  has helped other veterans before me and the program paid him for it. We spoke prior to bringing in. He charged my card {$400.00} and it was not authorized, the merchant lied to Chime bank because now he is trying to reverse it but CHIME FEELS IT HAD TO INVESTIGATE UNTIL XXXX. I kept telling CHIME that I am in possession of my card, the merchant made mistake. Im about to be evicted because I disputed transactions with Chime will not be recetify and letting a veteran go homelessTHE MERCHANT IS WILLING TO REVERSE BUT CHIME I HOT TO WAIT UNTIL XXXX, I will be kicked out by the end of next week and I am just going to end my life because I just got my place after being XXXX  for 10 yrs. Chime will not contact the merchant that is waiting to resolve the issue.CHIME NANK IS A RIP OFF DO KIT USE THEY KEE
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Never received a bill for the following charges : Very suspicious and confusing way of billing me- via phone text messages First charge was supposed to cover total amount for service and parts XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$490.00} XXXXXXXX XXXX XXXX This charge was confusing and surprising - came out of nowhere XX/XX/XXXXXXXX XXXX XXXX XXXX {$220.00} XXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-01
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. (OH)

After receiving a response from XXXX and Experian regarding an ongoing dispute regarding the incorrect pay history/ closure date provided on my credit reports, the issue remains. The credit card balance for this account was paid in full in XX/XX/XXXX and the account was officially closed that same month. The derogatory months for the pay history have yet to be corrected along with the closure date on my credit reports which is inaccurate and false information. XXXX is still reporting XX/XX/XXXX through XX/XX/XXXX as derogatory, then XX/XX/XXXX as an on time payment then closed in XX/XX/XXXX. Experian is reporting derogatory payments from XX/XX/XXXX through XX/XX/XXXX and then a positive pay history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then FINALLY closed in XX/XX/XXXX. As seen in the attached credit reports from XXXX and Experian, XXXX is reporting false and inaccurate information. A representative by the name of XXXX, from the XXXX XXXX XXXX XXXX XXXX for XXXX, is refusing to correct the payment history and provide the correct closure date for the account. I AM ALSO STILL RECEIVEING MONTHLY STATEMENTS ON THIS CLOSED CREDIT CARD ACCOUNT THAT WAS PAID IN FULL. A complete investigation was not conducted by Experian nor XXXX from XXXX as can be seen by the attachments for this complaint. I also spoke to a representative on XX/XX/XXXX from Experian on a recorded line for them to review the XXXX account confirm that the account was closed, but still reporting a pay history up until XX/XX/XXXX.
Consumer complaint received 2018-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (LA)

In XX/XX/2008, I discovered that Regions Bank opened an account for another person in Arkansas using my social security number. I tried to correct this issue and the issue was not resolved. I closed my account with the bank however, received no confirmation of the other account being corrected.
Consumer complaint received 2018-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

This is a long read but please bear with me as the details are important. 
1 ) My federal student loans were transferred from XXXX XXXX XXXX to XXXX XXXX XXXX in XX/XX/XXXX. I am on the income driven PAYE plan and also enrolled in public service loan forgiveness. I recertified my income and payment amount in XX/XX/XXXX with XXXX XXXX. We made one payment, under this new certification, of {$130.00} to XXXX XXXX before the loans were transferred to XXXX. I only transferred them because we enrolled in the PSLF plan. 
When the loans were transferred to XXXX XXXX, they told us that they would honor the recertification payment amount of {$130.00}. We have documentation of the payments made in the amount of {$130.00} to XXXX XXXX and they were on time payments. 
They gave us a due date on the XXXX  every month. We knew this payment would be increasing over the years so we wanted the due date to be moved to the XXXX of every month. We called and asked XXXX XXXX if we could change the due date to the XXXX every month. We made our payment on XX/XX/XXXX in full. We called on XX/XX/XXXX to change the following month 's payment to the XXXX  and every month thereafter. It would be XX/XX/XXXX for the first higher payment amount based on the website payment. However, the notice we received now says that it goes into effect on XX/XX/XXXX. This inconsistent information is exactly why we are complaining. 
The complaint is that they are now charging a higher payment and no one said that our payment would be higher simply by changing the payment due date to the XXXX. We feel that they are abusing their power and unfairly charging us a higher amount even though we have recertified and 12 months have not passed. We are only in month 4 and they increased our payments. We had no change in family size or income. They claim that the system recalculated the payment amount when they changed the due date. They refused to manually change the payment back to the original amount of {$130.00}. We feel that they are unfairly charging us a higher amount of monthly payments before we actually recertified. Their system is recalculating payments and is against the department of education 's guidelines for recertification and payment changes. 
2 ) When the loans were transferred in XX/XX/XXXX, it immediately went into forbearance which we did not request. We asked to make a payment in XXXX but the lady on the phone told us we were not allowed to make a payment because it wouldn't count. This is all recorded over the phone. Now, the notices show us as missing a payment but this is simply not true. The loan said it was in forbearance. We can easily pay the required amount but we were directly told to not apply a payment until they could remove the forbearance status. Any and all mishandlings related to this forbearance need to be cleared. We obviously don't want to be in forbearance if we're trying to make the 120 qualifying payments as quickly as possible.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (GA)

I replied to their letter dated XX/XX/2023, in response to my letter mailed & dated on XX/XX/2023. In my letter that was dated XX/XX/2023, I disputed the Alleged {$1400.00} debt that they are attempting to collect. I Additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights of a verification request under the FDCPA, I requested a copy of a signed contract with my handwriting not a computerized signature. I Also requested that they cease and desist all collection activity, including credit reporting. I requested that they delete any and all reporting made to any consumer credit reporting agencies. They have clearly failed to address my very specific legal requests and are in clear violation of the FDCPA. 


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

15 U.S.C. 1681 Section 602 A. States I have 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 2021-02-08
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (VT)

I experienced bank fraud on my debit card with TD Bank. Starting XX/XX/XXXX my card information was compromised and a string of purchases were made up until XX/XX/XXXX. A total of {$2300.00} was taken from my account. I was notified by TD Bank that there was suspicious activity on my account. I went through and marked which purchases were not made by me and submitted a claim. 

I received a letter today saying that they determined that fraud did not occur. They denied my claim, saying that the card was in my possession. 

It is clear if you look into the purchases that they could not have been made by me. The money was spent in California on XXXX, helicopter rides, XXXX, and grocery deliveries. Some were at restaurants and stores that aren't in Vermont at all. For example : XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have been in Vermont this entire time so clearly there has been fraud. 

I am waiting to hear back from the bank after my second claim has been filed. I have filed a police report and will continue to pursue this issue until it is resolved and I have received all my money back from TD Bank.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported unauthorized use of my card and account bank of america did not see any unusual activity closed my claim. few weeks later they froze my account due to unusual activity on my account. i called and reopened my claim gave them the police report case number. i then received a letter stating they had closed my claim again
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (IN)

On XX/XX/2021 I the consumer sent out a letter via USPS certified mail with tracking to EQUIFAX, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. EQUIFAX was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from EQUIFAX on XX/XX/2021. The letter that consumer XXXX XXXX XXXX has was a letter stating that EQUIFAX updated the account ( s ) and verified items belong to " YOU ''. There was two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that EQUIFAX Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts EQIFAX posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that EQUIFAX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for EQUIFAX to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. EQUIFAX failure to positively verify these correctly under the FCRA, unverified accounts must be removed/deleted and if EQUIFAX is unable to provide me a copy of verifiable proof, EQUIFAX must remove/delete the accounts XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following account : XXXX : XXXX
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter as to all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been over 45 days and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. My personal and private information was impacted by the Equifax date breach this could be the reason for these inaccurate things to be on my credit report. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. Thank you
Consumer complaint received 2018-02-17
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)

In XX/XX/XXXX my son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years XXXX XXXX sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXX and was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX   and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXX and they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time XXXX. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.
Consumer complaint received 2022-01-15
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. (CA)

This is my second complaint to this company. My reference number is # XXXX. The company said my name was not on the Loan. This was the companies response : We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

Clearly by my credit report my name is on the loan. I would like this reopened and something done about this fraudulent account on my report. 

i feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-09-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MI)

The amount they are claiming that I owe is the incorrect amount. I have discussed this with the company ( XXXX XXXX ) and this company is still harassing me stating that I owe a larger amount than I actually owe. I find the threats disrespectful, as well.