davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$9200.00}
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (MD)

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Consumer complaint received 2022-09-02
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. (MO)

I am submitting this CFPB complaint today to follow up the previous CFPB Complaint I previously submitted on XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, The Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. I have been sending dispute letters addressed to the Credit Bureaus but the Credit Bureaus have failed to respond to my letters let alone remove the disputed fraudulent items from my Credit Report. The most recent letter I sent was dated XX/XX/XXXX and I am still waiting for the Credit Bureaus to respond to my letters. By the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible ; 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 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 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 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 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
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

JPM Morgan Chase since XX/XX/XXXX to XX/XX/XXXX have been reporting INACCURATE information to the XXXX credit BUREAUS monthly on a CREDIT CARD that was XXXX in my XXXX Bankruptcy. The INACCURATE INFORMATION they submit become HARD INQUIRIES and there HARD INQUIRIES are main reason my XXXX XXXX has dropped XXXX XXXX 

I have done everything possible except give. There have been given INACCURATE INFORMATION MONTHLY for XXXX XXXX  to the 3 Credit Bureaus that is unexceptional and unprofessional and illegal.
Consumer complaint received 2022-09-02
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: Sunbit, Inc. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX/Sunbit XXXX/Sunbit ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1800.00} MORE DETAILS XXXX/Sunbit ( Installment ) More Details XXXX XXXX XXXX Closed Date XXXXXXXX XXXX XXXX Open Date XXXXXXXX XXXX Last Activity XXXXXXXX XXXX Terms Scheduled Payment High Balance {$2300.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX/Sunbit Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments Unpaid balance charged off
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (GA)

I called and emailed Edfinancial services on XX/XX/22 requesting a {$10000.00} balance be reinstated on my student loan account and refunded via original payment method. They did not respond to this request via email, and the customer service rep over the phone told me they could not give me any information about it at that time. I called back on XX/XX/22 requesting a {$10000.00} balance be reinstated on my student loan account and refunded via original payment method. I also asked for a timeline of how long this balance will be reinstated, when I would receive email confirmation of such request, and how long the refund will take to process. The customer service rep refused to give me any confirmation that the request was made, and also could not give me a straight-forward answer regarding timeline for the balance being reinstated and refunded. 

As of XX/XX/22, I still do not know when the {$10000.00} balance will be reinstated to my student loan account, when the {$10000.00} refund will be returned to my bank account, and I do not have any email confirmation of such requests. It is unethical they can not provide me with proof my requests and/or a timeline for them.
Consumer complaint received 2022-09-02
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: JPMORGAN CHASE & CO. (GA)

On XX/XX/2021 I made a purchase at XXXX XXXX of a tool set that did not arrived. I then contacted XXXX customer service for resolution, and XXXX planned to track the shipping. XXXX claimed to have the item delivered, however he not not delivered. XXXX then offer to refund my money for missing items, but that never happened. I then contacted Chase Credit card to dispute the charge. Chase later reverse the charge without communication. I attempted to contact Chase to better understand the situation, but no answer till today. 
I believe Chase did not support that charge and resolved my issue according to the situation. 

Item purchased : XXXX XXXX XXXX Cordless 6-Piece Kit  ( Drill-Driver/ Impact Driver/ Circular Saw/ Recipro Saw/ Vacuum/ Light ) XXXX Model # XXXX Store SKU # XXXX XXXX XXXX XXXX XXXX Bit Set ( 60-Piece ) Model # XXXX XXXX SKU # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Pre-Lit Artificial XXXX Tree with 750 Color Changing XXXX XXXX Lights Model # XXXX Store SKU # XXXX Total Charges : {$430.00}
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (IN)

On XX/XX/2022 I contacted this company for a debt that is not correct. I do not owe this company for no sort. Never signed a agreement with this company to do business. & the amount they say I owe is incorrect.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TN)

I was contacted by a person representing themselves as Citi Bank via text and phone. They stated someone was trying to wire money from my account. The number they called from was the actual city bank customer service number which I have learned is called spoofing. They were able to access my account and wire transfer {$3200.00} from my account. They gained my personal info from the banks wire transfer service
Consumer complaint received 2022-11-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On Friday XX/XX/XXXX at XXXXXXXX XXXX I received a test that someone was trying to charge my account for {$360.00} at XXXX 's. It stated " XXXX XXXX XXXX suspicious activity. Did you attempt? Reply yes or no. To opt out of reply stop ''. I text back " NO ''. I then received a phone call from a man claiming to be from Chase asking me about this transaction. He told me to sign on and check my account. He knew my username and needed my password to get into my account. I signed on with my password and saw that my savings account had been emptied and all the money was in my checking account. He told me that I needed to do a transfer to get the money back into my savings account. He walked me through a wire transfer ( {$4100.00} ), my name appeared on the transfer, so I thought it was okay because saw my name, I immediately contacted Chase and was told that I needed to send a secured message to them. I could not get t '' been transferred around to 3 different people and no one could help me to get signed on to send a secure message. I was told to try back in an hour! In the mean time, they money was transferred to something called " XXXX XXXX XXXX ''. I had hoped to stop this transfer, but it was too late. I finally got signed in and sent a secured message to which i received a response that they received my message.

's THe scammer was very familiar with the Chase screens. I have XXXX XXXX XXXX and needed this money to pay for XXXX XXXX  I told chase this the XXXX  time I called them and that is why I needed to speak with someone right away who could stop the transaction. I was again that this was understood, but there was no one who could stop the transaction available.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

I need to dispute 3 transactions made with my debit card from Bank of the west. I tried to report this to my bank but hey closed my account a couple of weeks ago, and Im not in the US right now to do it at the branch. So they denied the opportunity to report this charge back request.

transaction 1 : XXXX XXXX ( I cant check the exact dollar ammount because I dont have access to see my statements ) made on XX/XX/2022. I should received this on XX/XX/XXXX transaction 2 : XXXX XXXX, made on XX/XX/2022, I should received this on XX/XX/XXXX transaction 3 : XXXX XXXX, made on XX/XX/2022, I should received this on XX/XX/XXXX I tried to reach the merchant several times without any answer, and they never respond the emails I sent to them
Consumer complaint received 2022-09-01
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. (OH)

I have tried to resolve this issue with Equifax for a while and they continue to violate. They are reporting inaccurate payment history on my consumer report and when i sent them a letter about it, instead of deleting the accounts for the inaccurate lates they reported they just deleted the payment history all together and kept the inaccurate accounts on my report. They are reporting XXXX XXXX XXXX They can not do that! Next i asked for the method of validation and they have not provided that either. Instead they put the Inaccurate accounts on my credit report AGAIN! DUPLICATES! So now i have XXXXXXXX XXXX XXXX on my consumer report which is MOST DEFINITELY INACCURATE! They have the same 9 accounts on my credit report TWICE! The first set they erased ALL THE PAYMENT HISTORY! And The second set of the same accounts they put on my report again with the same inaccurate payment history they put on there the first time! They need to be held accountable and disciplined for their deceptive tactics! Furthermore they are in violation of 15 USC 1681b as well as 18 USC 894.
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (WA)

My husband, XXXX XXXX, signed a contract ( contract ) for services with the company XXXX on XX/XX/XXXX. Exhibit 1. This contract contained the following relevant information : -I  acknowledge and agree to each of the followingThe initial term of this Contract is three ( 3 ) years Exhibit 1, pg 1. 

A. PAYMENTS ; TERM ; CONSUMER REPORT. All charges are payable in advance. The initial term of this Contract is three ( 3 ) years. XXXX 's alarm monitoring and notification services will begin when the equipment is installed, operational and communicating with XXXX 's XXXX XXXX XXXX ( " XXXX '' ). This Contract will automatically renew for successive thirty ( 30 ) -day terms unless terminated by either party at least thirty ( 30 ) days before the end of the current term. If terminated, this Contract ends on the last day of the then-current term. I may terminate my service  by calling XXXX at XXXX. [ emphasis added ] Exhibit 1, pg 4, item 1.

-I agree that the charges due under this contract are based on my agreement to receive and pay for the services for three ( 3 ) full years. Exhibit 1, pg 4, item 2. ) Two amendments were made to the contract, one, dated XX/XX/XXXX, identifying we were receiving a credit ( Exhibit 2 ) and a second one, dated XX/XX/XXXX, identifying we would be receiving two smoke detectors ( Exhibit 3 ).

So the above contract endedXX/XX/XXXX, as that would be three ( 3 ) years from the date the contract was entered into. 

A final payment was made to XXXX on XX/XX/XXXX, in the amount of {$130.00}. Exhibit 5. The billing history shows that the bill is for services from XX/XX/XXXX to XX/XX/XXXX. Exhibit 5. 

Services were cancelled via phone conversation between my husband and an XXXX representative at XXXX on XX/XX/XXXX. At this point, according to the now expired-no longer enforceable contract, the services, though no longer under contract, should expire on XX/XX/XXXX. 

I called XXXX  at XXXX on XX/XX/XXXX, at XXXX to remind XXXX  we were cancelling our service. Exhibit 6. 

My husband followed up with XXXX via email on XX/XX/XXXX, reiterating that service had been terminated by us. Exhibit 4. 

XXXX has been sending me bills since late XX/XX/XXXX for varying amounts. I discarded all bills as we no longer have XXXX service. 

On XX/XX/XXXX, I received a debt collection letter from Source RM who had been hired by XXXX to collect {$34.00}. Exhibit 7. 

In regards to Source RM, I will be seeking recourse against them should they violate the Fair Credit Reporting Act ( FCRA ) by reporting the false information from XXXX  fraudulent claim. Also, I am instructing Source RM to not contact me or anyone related to me regarding this matter. 

XXXX XXXX, XXXX. 

Enclosures : Exhibits 1 through 7 cc : Washington State Office of  the Attorney General complaint filed XX/XX/XXXX XXXX XXXX XXXX Case no XXXX Consumer Financial Protection Bureau
Consumer complaint received 2022-11-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

This complaint involves XXXX, XXXX XXXX, and XXXX XXXX. 

I have held an XXXX credit card for several years, and historically it was associated with an account at XXXX XXXX. I had automatic payments set for that account and never had a late payment. 

In 2022 XXXX switched providers to XXXX XXXX. I do not recall receiving any notice of this change, and the first I heard of it was when I received an alert that my credit score had dropped by nearly XXXX points. This change was made before I received a new credit card showing any kind of XXXX XXXX logo, and the automatic payments that I had set up at XXXX XXXX did not transfer to XXXX XXXXXXXX. 

I brought the account up to current in early XXXX immediately after learning about the issue, and in XXXX I mailed a letter to XXXX XXXX describing the issue and requesting to have the late payments removed from my credit history. XXXX XXXX responded on XX/XX/XXXX that they were unable to do so. 

I am requesting to have the late payments removed from my credit history. The change between credit providers was made without any input on my part, and had it not taken place my automatic payments would have prevented the issue from occurring.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NJ)

Hello, I opened my M & T banks checking account using a promo. Here are some details : - Date : XX/XX/2022 ; - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Open any personal M & T checking account by XX/XX/2022, and make qualifying direct deposits totaling at least {$500.00} within 90 days of account opening and get this special offer ( {$250.00} bonus for XXXX XXXX XXXX ). The bonus will be credited to your account within 90 days of all requirements being met. 

What I did : On XX/XX/2022 XXXX ) I found the promo on XXXX 
2 ) It forwarded me to the XXXX XXXX XXXX XXXX 
3 ) Clicked Redeem Online ''. 
4 ) Put my zip code XXXX as requested- received the Good news! A cash bonus promotion is available in your area message. 
5 ) It forwarded me to the application where the promo code XXXX was already pre-populated. 
6 ) I filled in all the requested info and the application was approved and the account was opened. 

On XX/XX/2022 : My {$500.00} paycheck was credited to the account as a direct deposit. 

It's been more than 4 months since that direct deposit but I havent received the bonus though all requirements were met. 

Also, I contacted a bank representative using online account messages and got a reply that I was not eligible for the promo as my zip was not included in the promo area. 

I have a strong concern about that because : 1 ) There was no promo/eligible area ( or something like that ) in the promo terms and definitions on the promo page and during the application. See the attached prints of those pages. 
2 ) When I clicked on the Redeem Online '' in the beginning, the Enter your ZIP Code so we can connect you with special offers popup appeared and requested my zip code. Once I put it the A cash bonus promotion is available in your area message appeared. I think its a direct confirmation that my zip was considered eligible at the time of application. 

I think I fulfilled all promo requirements and should get that {$250.00} bonus. Otherwise, that promo should be treated as a false advertisement. 

Please investigate.