davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$930.00}XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$680.00}, XXXX  XXXX Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXXXXXX XXXX Balance : {$490.00}
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (VA)

I signed up for American Express Platinum credit card in late 2016 and was given the points bonus of XXXX membership rewards in XX/XX/XXXX when I completed the sign up requirements in the allotted time. I had points in the account already that put me at a total of about XXXX points currently ( as of today, XX/XX/XXXX ). I have had the points at my disposal since then however I went to use them today XX/XX/XXXX and was told by their system " your account is under review and you can not use the points ''. I contacted Membership Rewards as directed and all they could tell me is that some returns during the initial bonus time frame caused my account to go under review. I was never notified of this review. The points were in my account but unusable, for 3+ months. All American Express told me is that they will escalate it and ca n't guarantee any response time frame but if I do n't hear back within 10 business days, to call back. And they would not give me a reference or ticket # or anything, they simply said my account will be noted. All I have is the supervisor 's name and badge # I spoke with. Now that I need to use the points I can not and I have an upcoming trip I had saved them for. This needs resolution as soon as possible.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CT)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SECURITY CREDIT SERVICE account with a balance of {$310.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and XXXX XXXX XXXX saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Consumer complaint received 2022-07-14
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I have no acknowledgement of the account with " LVNV FUNDING LLC ''. I already disputed with them and I still see the account on my profile. I do Not Owe a debt of {$390.00} and also each bureau is stating something different for the account. XXXX is stating that this account is a collection, while XXXX is stating this account as 120 days late. Also XXXX is stating the last date active is XXXX while XXXX  is stating XXXX and XXXX  stating XXXX. This is a false inaccurate account that is not mine.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I mailed certified letters to Experian, XXXX, and XXXX stating that the information that they are reporting is not accurate and the information that they are reporting is error. Like my Name, Address, Late Payments, and Closed accounts, the consumer reporting agencies said that the accounts were accurate. the law says 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.ALSO 15 U.S Code 1681a ( 5 ) ( A ) ( i ) ( ii ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

Names on the mortgage XXXX XXXX and XXXX XXXX. We were approved for the homeowners assistance funds since XX/XX/XXXX. XXXX adviced us the payment was sent since XX/XX/XXXX. My mortgage company still havent apply the payment. Now we are past due with a late fee.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
XXXX XXXX XXXX XXXX XXXX**** Opened Date XX/XX/2015 Balance {$2100.00} // Charge Off XXXX - XXXX XXXX  ***** Opened Date XX/XX/2015 Balance {$2100.00} // Charge Off
Consumer complaint received 2022-07-14
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, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022, I purchased a laptop from XXXX, which was a disappointingly slow and deficient product compared to the XXXX purchase price of it. I wanted to return the product, but XXXX deleted my account suddenly and did not allow me any chance to return it even though XXXX guarantees a free return for 30 days since purchase. I complained to my Bank of America credit card claim department. Initially, they refunded the charge, but later they reversed the refund and mentioned that they can not do anything about it. The reference number of the purchase is XXXX. The date of purchase is XX/XX/2022. The amount is XXXX dollars.
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (MD)

This account was paid and settle with the original creditor ( XXXX ) for deletion. Source Receivable Management refuses to Verify and Validate as required by law. I asked them for their license to collect in the state of Maryland, amount owed, breakdown of fees, original signatures, date of original delinquency, and name and address on file, to validate the debt and their right to collect debt on behalf of XXXX, as required under the Fair Debt Collection Practices Act, 15 1692g Sec. 809 ( 8 ).
Consumer complaint received 2022-11-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-21
Product: Credit card or prepaid 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: CITIBANK, N.A. (WA)

The company constantly close my case XXXX without giving me any reason. I did not receive the package, uploaded police report and every other supporting documentations. I don't understand why Citi is telling me that I'm responsible for the charge without giving me any legitimate reason.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention a serious matter concerning the inaccurate reporting of charge offs and the unauthorized furnishing of my personal information by XXXX, XXXX, and Experian on my credit reports. I believe that their actions are in violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681i ( 5 ), 15 USC 1681a ( 2 ) ( b ), and 15 USC 1666b. I would like to address the issue of inaccurate charge offs being reported by XXXX, XXXX, and Experian. Upon reviewing my credit reports, I have noticed discrepancies in the dates of opening and closing of these accounts. These inaccuracies not only misrepresent my credit history but also have a significant impact on my overall creditworthiness. I believe that this violates my rights under the FCRA, specifically under section 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must investigate and correct inaccurate information upon receiving a dispute which has not been done for years of disputes. I have reason to believe that XXXX, XXXX, and Experian have been reporting this information without my written consent, as required by section 15 USC 1681a ( 2 ) ( b ) of the FCRA. I have never provided explicit authorization for the furnishing of my personal information to these agencies and their actions are in direct violation of my rights. 

According to section 15 USC 1666b of the FCRA, any person who willfully fails to comply with any requirement imposed by the FCRA may be subject to civil liability, including actual damages, punitive damages, and attorney 's fees. I kindly request that you investigate this matter thoroughly and hold XXXX, XXXX, and Experian accountable for their actions. The violations mentioned above, I kindly request that you take the necessary steps to remove these inaccurate charge offs from my credit reports. I expect that appropriate fines and penalties be imposed upon XXXX, XXXX, and Experian for their non-compliance with the FCRA. I look forward to receiving a prompt response and resolution to this dispute. 

Accounts XXXX XXXX XXXX XXXX {$970.00} Reporting inaccurately- Please Delete XXXX XXXX- Reporting inaccurately no acknowledgment of this account- Please Delete XXXX XXXX- Reporting inaccurately- Please delete XXXX XXXXXXXX XXXX XXXXXXXX Reporting inaccurately {$0.00} ( Sold ) still reporting with inaccurate reporting dates and closing date. Please delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reporting inaccurately XXXX XXXX Reporting inaccurately Self/ lender bank {$200.00} Reporting inaccurately
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

unauthorized inquiries on my report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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)

XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : 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 An 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 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (SD)

Banco Popular XXXX Visa statement posted on XX/XX/2021 with {$140.00} annual fee. I called the customer service line and to close my account on XX/XX/2021 and the representative stated the fee still applied. I asserted there should not be a fee for a service Im not longer using when I terminated the service before the fee was due on XX/XX/XXXX. The fee has not been waived and Banco Popular is still requiring payment. On XX/XX/XXXX I paid {$140.00} annual fee and called and close the account on XXXX XXXX XXXX.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: MAS FINANCIAL SERVICES, INC. (CA)

MAS FINANCIAL PRESSURED ME INTO EXTRA MONTHLY FEES IN TOP OF AGREED LOAN AMOUNT CAUSING DIFFICULTIES IN PAYING. I WAS HARASSED VIA PHONE CALLS AND DOCUMENTATION WAS MADE VIA EMAIL TO COMPANY. VEHICLE WAS REPOSSESSED AND LOAN AMOUNT STILL OCCURS ON CONSUMER REPORT
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc ()

I have funds in XXXX currencies ( about XXXX XXXX  and XXXX XXXX  ) in my personal online wallet with Blockfi company. According to the companys terms the funds that are in the wallet belong to me and me only and are preserved in the cold storage, which means that no one else, the company included should be able to access or use them ( as opposed to the interest account that receives interest payments for the money being used by the company for investment ). On XXXX XXXX at XXXX XXXX I tried to withdraw all my funds from my Blockfi wallet to my external cold storage. About 3 hours later the company published on XXXX the announcement that it pauses all the withdrawals due to unexpected circumstances and exposure to another company ( XXXX ), who had announced bankruptcy. My withdrawals are still pending as of today and the company isnt communicating about whether they will be honoured. I tried to contact Blockfis customer support by email and twitter, but havent received any response. There is a discussion now in the news that Blockfi is likely to file for bankruptcy soon, though there hasnt been any official announcement. Since the announcement of the pause in withdrawals, Blockfi has processed some of the withdrawals submitted before the announcement at the same or even later time than my withdrawal request, but mine is still pending. It is not clear how those withdrawal requests are selected, as there is no explanation from Blockfi. I would like to complain about this inconsistency and the fact that in case of the bankruptcy the funds sitting in the wallet should not be used for compensating the secured clients, as they are supposed to belong only to me. 
Thank you! 
XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (DC)

Pls. see the below transactions for history : All Transactions Trans. Date Description Category Amount View XXXX XXXX XXXXXXXX XXXXXXXX XXXX {$390.00} View XXXXXXXX XXXX XXXXXXXX XXXX REVERSAL OF TEMPORARY CREDIT Merchandise {$390.00} View XXXX XXXX XXXXXXXX XXXX XXXX {$400.00} View XXXX XXXX XXXX XXXXXXXX REVERSAL OF TEMPORARY CREDIT Merchandise {$400.00} View XXXX XXXX XXXX  XXXX TEMPORARY CREDIT PENDING INVESTIGATION Payments and Credits - {$390.00} Results Total = {$1200.00} Summary of the Problem : XXXX. My original order was for {$390.00}. - this order was not delivered to my house but to another place. When we got it - the food has spoiled. Called XXXX XXXX and because the orders I needed were no longer available I was told to cancel and order another one -which I did.

2. I placed another order which was disappointingly more expensive but since I needed it for XXXX I did it -- for {$400.00}. 
XXXX. On XX/XX/2022 I got a call from Customer Service at XXXX XXXX that because of the mix up they will make good by sending me another package. I told them I do not need any as I already got my reorder. They sent me another package anyway and unbeknownst to me they charged me {$400.00} which they tell me is outstanding and with the finance charges now amounts to {$520.00}. I have been disputing this so many times with Discover Card and XXXX XXXX but they would not clear it. And now my credit rating has come down.
Consumer complaint received 2020-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all ftc violations enclosed and listed here
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.