davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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: JPMORGAN CHASE & CO. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (NY)

IC Systems is for a back power bill from XXXX  out of XXXX, NY. 
{$1600.00} this was removed from My Credit report back in XX/XX/XXXX this bill is from a account from XX/XX/XXXX. 
I have called XXXX and also IC Systems to make payments and was told NO payments i also sent email 's to both which i do have copy 's of. 
I have been reporting this to the credit places like XXXX XXXX and ask them to look into this for me but nothing get done and it is still on my report i even sent them showing the emails i sent to XXXX where the Dates of service is on. when i did use XXXX. with my account number still nothing. I have a copy of the the report from XXXX showing this was removed and now i come to you for help with this please.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is my 7th attempt to get this matter solved but I guess my request is just being ignored.The current status and the late payments in the payment history is incorrect. I never misseda payment. The 3 Credit Bureaus should provide documentation but they failed to neither verify norupdate me about these complaints. I believe the bureaus are violating sections 616 & 617 ofthe FCRA and has abrogated my rights by reporting false information. Please update the late payments from these accounts for it has affected my well-being. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-05-04
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: MOHELA (FL)

In accordance with The fair Credit be Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 It also states A consumer reporting agency Can Not furnish A account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose
Consumer complaint received 2022-11-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

Chase problem! 
On XX/XX/XXXX, when I found my card was not working when paying for my meal, I called chase, and they said there was a problem ( unable to disclose to me ) so they decide to end relationship with me, close my card. 
The bank said the remaining funds would be mailed to me in 15 days, and I confirmed this to a banker in a nearby branch. 
But when I went there again XX/XX/XXXX, they say the funds are still in card ( {$7100.00} or so ) and no check was sent out. The account was official closed in XXXX XXXXThere was no way that they can contact manager or someone from XXXX, because even through internal phone call there superiors told that they did not understand why this happened. 
I tried phone the customer service, every time they said it is under review, and may take to XXXX  days. I consult a friend on social platform he said it took XXXX year to get the fund back, which is ridiculous. 

Currently, I demand the bank to process the fund and refund to me in a month. I will not ask for reasons for account closing cuz it is already closed.
Consumer complaint received 2022-05-04
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. (NY)

I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 10 complaints informing the 3 Credit Bureaus that I was a victim of identity theft. The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}
Consumer complaint received 2019-11-21
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: Credit Plus Inc (FL)

This company " Credit Plus , Inc '' identifies themselves to be a reseller of credit reports and has a contract with " XXXX XXXX XXXX   XXXX '' At no time in the past have I had or attempted to initiate business with either company. I AM NOT INTERESTED IN BUYING A HOME, I am a full time XXXX and would like to desire my first time home buyer experience with my future husband. I have said this over and over I was recently out I the market trying to buy a car, but to my  surprise an inquiry for a car and home landed on my credit report. I am not sure how and why this happened? What I do know for certain is that this is an act of fraudulent activity. 
Moreover, XXXX XXXX was not able to validate the " Hard '' inquiry on my credit report and decided to suppress the same from all 3 bureaus. ( Please refer to the attached CFPB Final Response from  XXXX ) I expect " Credit Plus Inc. '' to do the same or else I will be seeking legal help and monetary compensation.
Consumer complaint received 2016-07-31
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC. (VA)

With a SunTrust 2nd Mortgage of 10 years and a SunTrust 1st Mortgage ( currently a VA Loan ) of 18 years, we submitted an application to SunTrust Mortgage for a VA Refinance to include our 1st Mortgage, 2nd Mortgage, XXXX credit card and XXXX additional loans. SunTrust denied the refinance and the principal reason for denial was " Poor Credit Performance with Us ''. When asked for an explanation, it was indicated the denial was due to the " 2nd Mortgage XXXX lates ( XXXX ) within the recent 12 months ''. 

We found this to be peculiar due to VA guidelines for Late Payments, " The applicant 's past repayment practices on obligations are the best indicator of his/her willingness to repay future obligations. Emphasis should be on the application 's overall payment patterns rather than isolated occurrences of unsatisfactory. '' Base on this reading, the XXXX late payments on our 2nd Mortgage were the only blemish on our Credit Report for the last 12 months. In fact over the history of our Credit Reports the only 2 accounts showing past dues were the 1st Mortgage XXXX XXXX XXXX XXXX XXXX and the 2nd Mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The 1st Mortgage has been in service for 18 years with only XXXX of the XXXX payments made past 30 days. The 2nd Mortgage has been in service for 10 years with XXXX of the XXXX payments being made past 30 days. In all cases the payments were brought current with all late fees and interest paid in full. 

At the time of application, we reported over {$6000.00} in cash, {$550000.00} in Assets and {$440000.00} in Investments with a credit score of XXXX for self and XXXX for my spouse. This couple with stable employment and a credit history spanning some 35 years and only XXXX account within the past 12 months indicating an overdue amount seem to be in conflict with the VA Guidelines. As a Veteran and a person that has handled his finances in a responsible way, I believe the Denial was based on something other than " Poor Credit Performance with Us '' and would like the cfpb to fully investigate.
Consumer complaint received 2022-04-12
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: JPMORGAN CHASE & CO. (NY)

To whom this may concern, I am writing in merit to my dispute with my dispute with Chase XXXX regarding merchant XX/XX/XXXX XXXX {$2300.00}. It seems that my documentation was not received on time despite me providing the documentation the same day that I received the letter to do so XX/XX/XXXX and needing to be in by XX/XX/XXXX. The case was closed on XX/XX/XXXX as documentation not received despite me uploading the documentation on time. On XX/XX/XXXX I was asked to write a letter to reopen the dispute and that the coding for the dispute was changed as item damaged and not item not received which was another error created by Chase dispute. I uploaded the information and letter on XX/XX/XXXX detailing the following details listend below. 

In closing my dispute the merchant allegations were completely false. First of all I never claimed that I did not receive my order, quite the opposite I was shipped a defective duffle bag whose zipper stuck and I RETURNED the duffle bag the defective using the merchant prepaid XXXX  return label the merchant assumes all responsibility. Secondly, the merchant did not ship the item to me using USPS ; they shipped the duffle bag using XXXX. The rebuttal by the merchant is riddled with errors and misinformation which is enough to close the case. 

I returned the duffle bag using the merchant 's XXXX  prepaid return label on XX/XX/XXXX, after the pick up scan the package went missing for 14 days, the distance from my home to XXXX CT is less than XXXX miles and the item should have been delivered on XX/XX/XXXX back to the merchant. I contacted the merchant and was told that XXXX could not locate the package. Finally on XX/XX/XXXX, the package was located and delivered back to the merchant. When I contacted XXXX  I was told the only XXXX could file a claim for lost or missing items as the PREPAID return label was issued by XXXX and they could not give me any information or allow me to start a trace. 

To date, I have not received a refund from the merchant. The XXXX  return tracking number from the merchants prepaid return label is XXXX which shows a pickup scan for the item, a missing scan for the item, and finally a delivery scan for the item directly from XXXX. 
I am also attaching screenshots from the merchants website that shows the order number, that the item was received on XX/XX/XXXX, and a return order summary in addition to the proof of delivery from XXXX and proof from Chase emails that my documents were uploaded on time. 

Despite providing all this nformation two times today I receive a letter dated XX/XX/XXXX stating that there was no billing error. When I called and spoke to a supervisor named XXXX I was told that the claim was closed because my document were not received on time and was given a phone number to XXXX as there was nothing they could do for me. I
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Please correct my personal information on my credit report. Attached is a copy of a bill along with a copy of my drivers license displaying my correct address. The only address that is valid on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
The correct spelling of my name is : XXXX XXXX XXXX My employer information should be : XXXX XXXX ALL OTHER ADDRESSES OTHER THAN WHAT IS LISTED ABOVE AND STATED ON MY DRIVERS LICENSE ARE INCORRECT AND NEED TO BE REMOVED ACCORDING TO THE FAIR CREDIT REPORTING ACT AND : 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I am attempting to get a loan paid off in full in XX/XX/XXXX reopened and payments made refunded. I asked for a refund from FedLoan on XX/XX/XXXX and was told it was in process. This was the case when I called back a week later to confirm. On XX/XX/XXXX when I called to confirm again they said I would need to go to XXXX and that they had no idea why a refund request was submitted. I have spent 2 hours on the phone with Fed Loan Servicing trying to find out what's going on. They repeatedly sent me to my new servicer XXXX XXXX who would then send me right back to FedLoan. 

Today XX/XX/XXXX, I spoke to XXXX at Fedloan ( Id : XXXX ) who told me I should just " wait and see there's nothing anyone can do ''. I asked to be escalated and she escalated me to XXXX ( XXXX ) who told me that my paid of of loan was being transfered to XXXX because FedLoan didn't have time to process my refund.
Consumer complaint received 2022-05-03
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. (CA)

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 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 2022-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allgate Financial, LLC (NY)

There was a collection on my credit report through another credit collection company, which I disputed and it was then removed only to be bought by another collection company called XXXX XXXX XXXX. I have requested the original credit application with my signature and any other information that would allow me to verify the debt is mine. Furthermore, the previous company told me it was a XXXXXXXX XXXX XXXX through XXXX XXXX, I do have a XXXXXXXX XXXX  with XXXX but it is in good standing and paid every month. Also, according to the letter sent by XXXX XXXX XXXX this debt is almost 6 years old. Isnt the statute 3 years in NY state? I would like for this to be removed from my credit report as it is not my debt and I have not received anything verifying its my debt. 
I also went through all my debt two years ago and paid everything that was showing as a collection or negative account so I dont understand how this can surly show up out of no where. 
I have attached the letter that was sent to me from XXXX and I sent back on XX/XX/XXXX with no reply.
Consumer complaint received 2022-05-03
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. (NC)

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. 
XXXX XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting inaccuracies, Incorrect, Unverified and Unauthorized accounts in my report. I have been sending letters to the company since XXXX Equifax  - XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX It is over 30Days and no response or report of investigation, According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 30days, so they should be deleted immediately.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

Took out an initial line of credit in XXXX of XXXX, on a Home Depot credit card, for a home improvement project. Was told that the credit would be 0 % interest, for 24 months. 

Was charged {$700.00} in interested in XXXX, XXXX. 

Called Home Depot credit card company in XXXX, when I realized and asked for it to be fixed. Was assured it was their mistake, and would be fixed, to wait for credit to appear. 

Was never credit, and interest kept accruing. 

Called again on XX/XX/XXXX, and was told again, it was a mistake, and would be credited. Call was disconnected and called back. 

Made a second phone call, and was told I would need to have a store manager call to verify that I was offered 24 months interest free financing. Called store manager and waiting now to hear whether issue is resolved.
Consumer complaint received 2022-05-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation (TX)

On XX/XX/2022, Albert took XXXX dollars out of my savings account. I never authorized them to take money out of my savings account. I have authorized payments to come out of my checking account only. I have no idea how they even got my savings account information. I have contacted support but their customer support is non existent. I will also be filing a complaint against the company I have the checking account through.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

In XXXX of XXXX a representative from Rent Recovery Solutions contacted me about a debt. The rep indicated to me that if I paid the debt that they would remove the collection from my credit report. I did pay this in XX/XX/2019, but to this day it is still on my credit report.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I explored the option to pre-quality which has no impact on ones credit report but despite that I got hard inquiries on my XXXX and Equifax reports from XXXX XXXX. They said, it was a mistake and after that they didnt help in any way and didnt attend my calls next day either.
Consumer complaint received 2022-05-03
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. (AR)

Theres a bankruptcy reporting on my credit file that shouldnt be there. XXXX, XXXX and Equifax has not investigated this problem accurately. They did not physically check with the court house to verify bankruptcy. This bankruptcy was voided.