davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-19
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)

The following is a list of disputes on my report that was ot resolved as per the FCRA. 
1. XXXX. XXXX XXXX XXXX - Account number # # # # # # XXXX Reason # 1 : Date of first deliquency is inaccurate.

Reason # 2 : The account is not mines and is considered FRAUD 3. XXXX XXXX - Account number XXXX Reason # 1 : Date last active is incorrect, shows no date, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Loan type is listed on my account. Cellular services aren't lenders, so how is this accurate? 
Reason 3 # : the previous disputed listed the account marked as a collection on XX/XX/XXXX, but the updated dispute list the account marked as collection on XX/XX/XXXX. Both errors violate FCRA and needs to be removed. 
4. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. Reason # 2 : the account is be reported as " charge off '' on XX/XX/XXXX. How is an account that was paid off before XX/XX/XXXX considered a " charge off ''? 
5. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. Reason # 2 : Recent payments is marked as " {$0.00} '' would is accurate if I have been making my monthyl payment of {$410.00}. 
6. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type shows " charge card '' when ti should be " credit card ''. This error has been ongoing for 4 years. 
7. XXXX XXXX - xxxxxxxxxxxx XXXX Reason # 1 : Account status is reporting as charge off.

Reason # 2 : Date reported is inaccurate.

Reason # 3 : This account does not report on XXXX or XXXX, which leads me to believe this is completely inaccurate due to lack of consistency among the CRA. 

Typiclly, I try and handle things with the CRA themselves, but XXXX has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX AMERICOLLECT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX L SOC SEC XXXX XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

CONTACTED XXXX XXXX XXXX  ABOUT THIS DEBT IN THE AMOUNT OF {$340.00}, THIS DEBT IS NOT MINES, COMPANY REFUSED TO SHOW PROOF OF RESPONSIBILTY OF DEBT, I WILL LIKE THIS DEBT TO BE REMOVED NOW FROM ALL THREE CREDIT BUEARUS ASAP. FALSE UNATHORIZED INFORMATION IS LISTED ON MY CREDIT REPORT.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Good morning, I have been a member with Chase Bank for quite some time. I have a number of transactions on a regular. Owning over five websites, XXXX stores, along with XXXX stores. Most payments come into my XXXX account. However whenever a check payment is made it goes to Chase Bank. This is my hard working business. Recently a customer purchased a furniture set and other appliances. I pay the suppliers and they ship the products out. After the check was deposited and cleared my account became restricted. Not being able to make ANY payments for any bills. Ive contacted Chase bank. The customer Ive also contacted to call Chase as well. Ive been assured the funds are available from the customer. This is not fair and is inconsiderate of a Bank to treat hardworking members this way.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (AZ)

I was having {$380.00} a month taken out of my checking account by XXXX for a Kia loan. My last payment was for {$250.00} in XX/XX/2021. Kia took out {$380.00} but did not credit me with the {$120.00}. I thought I had stopped autopay so I had made a request of {$250.00} to go to Kia as the final payment. I did not realize I had not stopped the automatic payments. So with the {$120.00} that I should have been refunded and the {$250.00} payment I made through autopay, which I thought was the payoff, that adds up to {$380.00}. I called 3 different times and talked to XXXX, XXXX and XXXX. They all said I was wrong, nothing was owed me. My attorney sent a letter in XXXX requesting a refund. I called the week of the XXXX XXXX to Consumer Service to see why I have not heard from them. I was told Kia 's legal dept. had the letter and they would only correspond with my attorney.
Consumer complaint received 2022-08-03
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. (TX)

I've contacted all three bureau XXXX XXXX, Equifax, and XXXX asking to uphold the integrity and standards set by CFPB, XXXX, UCC, FDCPA and 15 USC. Also Texas fair credit reporting. All knowledge has been ignored on the behalf of the bureau. I demanded proof of debit by contract with my signature. They failed to comply. I asked them to remove debit with false information that was past Section 16.004 of the Texas Civil Practice Remedies code. The statue of limitation on debit in Texas is four years. Some accounts where doubled and had different account numbers. The bureaus refused to do anything. 
I sent a letter to update my information and remove false inquires on my report. These too where ignored by the bureau!
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

Last Month XX/XX/XXXX I was made aware for the first time that I was enrolled in a Citibank Debt Protection XXXX XXXX. I called and was horrified to learn that for over 20 years I have been paying for an insurance add on that I never enrolled in. The total amount of the fees from XXXX to today was {$14000.00}. I do not have the total from XX/XX/XXXX to XXXX but can only assume that is well into the thousands as well. I have called Citibank and all their affiliate ( XXXX  - better known as XXXX XXXX XXXX ) about these charges and each one keeps telling me I need to contact the other. I want a complete refund starting from XX/XX/XXXX to XX/XX/XXXX for all the fees I paid. Looks like Citibank was fined and paid out XXXX XXXX to customers. I was not one of those customers. I feel physically ill learning I was deceived and frauded for over 20 years. Please help me address this matter and begin to have trust again in the American Banking institutions. Thank you.
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX APT XXXX, XXXX XXXX XXXX TX XXXX ASSETCARE LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ASSETCARE LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OR)

Chase bank reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
Chase bank did not remove me. 

Chase bank still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

Chase bank has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.
Consumer complaint received 2021-09-27
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

I have several Citibank credit cards, all of which have rewards programs. On my Citi Dividend World Mastercard my XX/XX/21 statement listed {$200.00} in cash rewards. Several days later I received a letter from Citibank stating that the card was being converted to a different rewards program -- the Citi Rewards+ Mastercard -- and that as a consequence my existing rewards where no longer available. 

I accept Citibank 's decision to change the program, but I feel like they had an obligation to allow me to collect my accumulated rewards before their elimination. To the best of my recollection, I had no warning of this impending change or the impact on my rewards. My habit had been to covert those rewards on an annual basis -- I regarded the rewards as a sort of savings account. It occurs to me that in appropriating these funds, Citibank has taken many thousands of dollars away from customers enrolled in the program. 

On XX/XX/21 I called my card 's customer support number to complain. The agent consulted with his manager, who authorized {$100.00} credit as a good will gesture. I accepted this offer ( perhaps relinquishing subsequent claims, this was not made explicit ) with the notion that halfway to a solution was better than nothing. But in my mind they still owe me money. And how many more customers are there in the same boat who may not complain because the amounts owed are not worth their time and effort?
Consumer complaint received 2022-08-03
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. (TX)

IN ACCORDING WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATEDMY RIGHTS 15 U.S.C 1681 SECTION 602 ASTATES I HAVE THE RIGHT TOPRIVACY 15 U, S, C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FUMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2022-12-13
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc. (PA)

I have asked XXXX XXXX XXXX XXXX to explain the debt owed and they stated that XXXX University was adding a XXXX XXXX debt collection fee to my account. I then contacted XXXX XXXX  and they stated the debt collection agency was adding the debt. When I went back to the debt collection agency, they continued to deny adding the collection fee. They specifically stated on a recorded phone conversation that they did not add the fees and XXXX XXXX added the fees. After speaking with XXXX several times, they stated this is false. 

My complaint is that the debt collection agency is falsely stating they did not add a fee to my debt from XXXX XXXX. 

This is fair collections practice. 

I have also asked the company for the referred contract to validate the debt, with no response.
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX ERC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ERC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2021-09-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENT THAT IS NOT TRUE AND 2 ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (FL)

I opened a XXXX dollar Chase Total Checking account on XX/XX/2018 from XXXX XXXX XXXX. Somehow my account escalated to a XXXX dollar prepaid account. I figured this was interest I earned from including Chase in my XXXX dollar XXXX account. However this money was used to make unauthorized buys and sells on my XXXX app called Chase Total Checking XXXX which in my opinion lessened the values of my XXXX considerably. After all, I started off making a fortune. Chase 's wi-fi got into my XXXX and possibly altered its configuration. In my XXXX XXXX XXXX  app it said that Chase would hold daily 10s of thousands of dollars payoffs to be held for 9 days and then paid to my account ending in XXXX. These payments never happened. Chase of XXXX XXXX, Texas informed me that my account was blocked due to insufficient funds and sent my gold to XXXX XXXX XXXX XXXX XXXX, New Jersey. I have the tracking numbers and account numbers of all of these transactions if you need them. I also have a print out of coin amounts, Merchant and Coin ID numbers. These coins are very valuable to me and I want them back.