davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MD)

When you're denied credit, lenders are required by the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) to inform you of the reasons for the denial or provide you with notice on how to obtain this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Request for Explanation of Credit Denial under FCRA and ECOA Dear RHO, I am writing to formally request an explanation for the denial of my credit application, which I submitted on XXXX, XXXX I received notification that my application was denied, but I was not provided with any reasons for this decision or information on how to obtain these reasons, as is required under federal law. 

According to the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), credit applicants who are denied credit are entitled to an explanation of the reasons for such denial. Specifically, the ECOA requires that creditors provide a notice of adverse action that includes either the specific reasons for the denial or instructions on how to obtain these reasons ( 15 U.S.C. 1691 ( d ) ). Furthermore, the FCRA mandates that consumers be notified if information from a credit report was used in the decision to deny credit, including the right to a free copy of the credit report and the right to dispute inaccuracies ( 15 U.S.C. 1681m ). 

Given the lack of information provided regarding the denial of my application, I am requesting the following : 1. A detailed explanation of the reasons my credit application was denied. 
2. The name, address, and phone number of the credit reporting agencies that provided the reports used in making the decision. 
3. Instructions on how to obtain a free copy of my credit report as allowed under the FCRA. 
4. Information on how to dispute any inaccuracies that may have influenced your decision, if applicable. 

This information is crucial for me to understand the factors affecting my creditworthiness and to address any discrepancies or issues on my credit report. 

Please provide the requested information within the time frame specified by the ECOA and FCRA. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-05
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: DISCOVER BANK (GA)

In 2019 someone opened a Discover credit card without my consent using my name social security number online. This account was charged off and has affected my credit score and me obtaining new credit. I have reached out to the credit bureau and Discover Financial on multiple times and they still have not removed item from my credit report.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (UT)

I met the terms of our agreement, yet the account is still not off the bureaus and at that reporting consistently inconsistent from one bureau to the next. 
I have a good relationship with this card company and do not want to jeopardize that but the information the bureaus are regurgitating have already been on my report and nothing has changed as agreed. 
Completed XX/XX/XXXX Custom Reason Conflicting account information across all bureaus on this account. XXXX XXXX XXXX here Showing as collection CO However should be removed and not be reporting at all. Settled for less than full balance in XXXX paid in full. Currently still reporting on this closed account showing current with no lates on XXXX XXXX reported lates on XXXX XX/XX/XXXX or XXXX. XXXX and XXXX both showing XXXX lates XXXX, XXXX, XXXX this conflicts the paid in full account being reported XXXX. 
Sent XX/XX/XXXX I Previously Disputed This I have new accounts established with you which are all in good standing and looking to scale my business ' with you in other ways however this account and another are obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. Previously I disputed this account stating : " Conflicting account information across all bureaus on this account. XXXX XXXX XXXX here Showing as XXXX  XXXX. However, should be removed and not be reporting at all. Settled for less than full balance in XXXX paid in full. Currently still reporting on this closed account showing current with no lates on XXXX XXXX reported lates on XXXX XX/XX/XXXX or XXXX. XXXX and XXXX both showing XXXX lates XXXX, XXXX, XXXX this conflicts the paid in full account being reported XXXX. ". 
I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (UT)

Dispute Record Completed XX/XX/XXXX Conflicting reports on this account across all bureaus. Open Date XX/XX/XXXX Closed Date XX/XX/XXXX XXXX XXXX Closed account in XXXX should not be reporting. No lates reported 30/60 or 90 but showing as a XXXX XXXX 
Account was closed in XXXX and not active to report. 
XXXX shows 5 lates reporting currently on this account and XXXX XXXX. On XXXX balance Sent XX/XX/XXXX I Previously Disputed This I have new accounts established with you which are all in good standing and looking to scale my business ' with you in other ways however this account and another are obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. 

I previously disputed this account stating : " Conflicting reports on this account across all bureaus. Open Date XX/XX/XXXX Closed Date XX/XX/XXXX XXXX Balance Closed account in XXXX should not be reporting. No lates reported 30/60 or 90 but showing as a XXXX XXXX. Account was closed in XXXX and not active to report .Experian shows 5 lates reporting currently on this account and XXXX XXXX XXXX On XXXX balance ''. 

I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 

Recent result of investigation, a few days ago, was credit bureau responding for company and adjusting credit on account to a previous status rather than delete the account.
Consumer complaint received 2021-11-02
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: PENTAGON FEDERAL CREDIT UNION (FL)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my account has been diligently neglected by 3 bureaus. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, the 3 bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-11-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

THIS SHOULD NOT NE ON MY REPORT IT WAS TAKEN OFF BACK IN 2019 AND ALL OF SUDDEN IT GOT RE-INSERTED WITHOUT NOTIFY ME I NEVER RECEIVED ANYTHING IN MAIL ABOUT THIS AND I SEE THEY HAVE A BUNCH OF THE SAME COMPLAINTS SIMILIAR TO MINE
Consumer complaint received 2024-02-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX Jefferson Capital Systems, Jefferson Capital Systems LLC, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Dear Jefferson Capital Systems, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to an auto debt from approximately seven years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 

Please provide the following information : 1. The original creditor 's name and contact information.

2. The original account number and the date the account was opened.

3. The total amount of the debt, including any interest and fees that have been added since the last payment.

4. Documentation showing that you are authorized to collect this debt.

Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only.

I expect your compliance with this request within the timeframe specified by law. Failure to provide this validation information may result in a violation of federal regulations.

Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office.

Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the timeframe specified by law.

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (NY)

I am asking can Barclay 's remove adverse information off my three consumer credit reports ( XXXX, XXXX, and XXXX ) concerning a one time 30 day late payment in XX/XX/2021. I missed this payment because of then COVID-19 cutbacks on time and staff at my place of employment and its has been having a adverse effect on my three consumer credit reports ever since. This one time missed payment is lowering my credit score substantially. In an effort of goodwill I am asking can this adverse information be removed from my three consumer credit reports by Barclay 's. This is the only missed payment on my credit report and my Barclaycard account is closed.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

This is the third complaint I have filed with this company and they refuse to give me the stimulus money that was awarded to me and my family. I have done what I needed to do and updated my address with the post office. When I called the post office to confirm they stated that they have my address change form and it was processed. They also mentioned that certain mail needs to have permission from the sender in order for it to be forwarded. Has moneymart done that? What they are doing is unfair, the money was clearly given to me because I am someone who is in the low income bracket and for this money to not be given to me is causing financial difficulties. The last response they gave me was that I would have my EIP card by XX/XX/XXXX and that never happened. If this does not get resolved I will take legal action. They should not be given a huge responsibility if they can not serve the public in a proper manner. 

Also the number provided last time does not give the option to speak with an agent. In order to do so you are required to enter the card number who check I do not have.
Consumer complaint received 2021-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I told paypal that money was sent to a email that turned out to be a scam an PayPal said that there was no unauthorized activity for {$100.00}. PayPal can not resolve its issue and did not refund me the money. Very easy for scammers to use PayPal and request and accept money.
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

This company is violating my rights this agency hasnt provided validation information which is under 12 CFR 1006.34 ( b ) ( 5 ) but, they placed the collection on my credit report. Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) the collection agency doesnt have the authority to furnish an account to a consumer reporting agencies without having provided any and all disclosures which is required law and XXXX XXXX XXXX XXXX XXXX XXXX violation. 

In addition, my credit report report is supposed to be 100 % accurate. This collection agency has published false misleading misrepresentation and/or deceptive information on my consumer report which has damaged my credit. 

For this reason, I am requesting debt validation, the purchase agreement between the original creditor and your company and lastly please provide proof that your company is licensed and bonded. Please cease all emails, calls and other forms of communications unless you can provide this information in full.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Bestbuy/CBNA is reporting 4 wrong late payments in my credit report, so this is a mistake that is affecting me get a new credit or other financial products ... these late payments was on XXXX, XXXX, XXXX, XX/XX/2020, ,I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1975 APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block of information due to identity theft Dear APPLE CARD/GS BANK USA Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : APPLE CARD/GS BANK USA Account XXXX : {$8400.00} Account Number : XXXX Your company has XXXX business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

XXXX, XXXX, I looked at my report. I sent a letter to XXXX, XXXX, and XXXX as well as all of these corporations asking them to reinvestigate these accounts : XXXX XXXX XXXX WELLS FARGO AND XXXX I HAVE EVERY SINGLE CERTIFIED MAIL NUMBER WHICH MAKES IT Federal to lie XX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 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. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

None of them really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.42 USC 408 asking for anyone 's SOCIAL security number on any loan is double dipping and fraud according to the law. Also 15 USC 1666b there is no such thing as late payments so while they are speaking of laws they clearly have no clue about all they needed to do was actually go take a look at a few XXXX laws dictionaries to figure out they are in violation of XXXX but they have clearly been getting away with fraud so long they think it okay everyone isn't mentally enslaved.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2023-11-25
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: JPMORGAN CHASE & CO. (NJ)

XX/XX/23 Received email ( attached ) from Chase of suspected fraudulent charges. 
XX/XX/23 Received emails ( attached ) from XXXX XXXX with fraudulent order information. 
XX/XX/23 Called Chase to confirm the transaction was fraudulent and unauthorized. Chase issued temporary refund, cancelled card and sent out new card. 
XX/XX/23 Letter issued ( attached ) that they were investigating fraud. 
XX/XX/23 Letter issued ( attached ) that I am responsible for fraud charge. 
XX/XX/23 Called to discuss their investigation. Someone was supposed to contact me within 4 business days. Never received a call. 
XX/XX/23 Contacted Chase again to discuss their investigation. They let me know they would send documents identifying how they determined it was not fraud. 
XX/XX/23 Filed police report ( attached ) with XXXX XXXX Police Department. 
XX/XX/23 XXXX was issued showing how they determined I was responsible for fraud. 
XX/XX/23 Emailed Chase copy of police report. 


The letter Chase provided only shows email from XXXX XXXX with order information. There " proof '' that I purchased this item was that the name, phone number, email address and billing address matches what is on file. I stated this is all public information and is not proof I made purchase. Best Buy/Chase failed to cancel transaction, failed to ask for CVV, failed to check government issued ID at time of order pickup and failed to check for card using to make purchase at time of order pickup.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I sold a diamond and deposited the cheque on the XXXX into my account XXXX at chase bank. They put a hold on the cheque. i have visited 2 branches to clear the cheque and i have called 10 times to clear the cheque, but to no avail.the customer sent me confirmation that the funds were withdrawn the day i deposited the cheque. 
The supplier remains unpaid and he released the diamond and paperwork and deserves his money
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

According with the FAIR CREDIT Reporting act. XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, and XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C.1681 SECTION 602 A. STATES I have right to privacy.

15 U.S.C.1682 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I didn't give written instructions.