davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

someone opened a credit card account under my name and ss number and the bank send it to them. totally different address. after finding out thru collection letters. i called the bank. and they respond that they don't see any fraud. don't know what to do? 
trying to get statements. to do my own investigation and i never got it.
Consumer complaint received 2023-06-15
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

On my American Express XXXX XXXX credit card account I have a promotional XXXX XXXX XXXX for purchases that is good through XX/XX/22. On my XX/XX/22 statement I noticed under Interest Charged an item labelled Interest Charge on Purchases of {$0.00} and showed a Balance Subject to Interest Rate of {$35.00}. On XX/XX/22 I called American Express customer service to inquire why there was an interest charge on the account given the existing promotional XXXX XXXX XXXX on the account. I was informed that this was interest on the XX/XX/22 XXXX XXXX XXXX charge of {$45.00} as this was not considered a purchase. I asked the representative that if I paid an amount on my account that day that covered the charge for the annual fee would that payment be applied to the highest interest rate balance as I understood was the legal requirement for consumer credit cards and therefore would interest accumulation on that amount stop after the payment was made. The representative indicated yes to my inquiries. So on XX/XX/22 I made a payment of {$50.00} to my AmEx account. However, on my XX/XX/22 statement on my account I noticed that there was under Interest Charged an item labelled Interest Charge on Purchases of {$0.00} and showed a Balance Subject to Interest Rate of {$36.00}. Both of these amounts were higher than on the XX/XX/22 statement though I had paid {$50.00} on XX/XX/22 to pay off the Balance Subject to Interest Rate and told my payment would go to this part of my balance first. Since I have talked to AmEx customer service and they have reversed both interest charges on my account. However, I am submitting this complaint because I would like to know if AmEx is following the legal requirements about how payments are to be applied on consumer credit card accounts. My experience in this situation leads me to believe that they are not. I would like an investigation into AmEx practices in regards to this and determination if they are complying with the relevant consumer financial protection rules and laws. I am not interested in a response to my personal situation as AmEx has reversed the interest charges. I want to know if the interest charges put on my account by AmEx were valid and legal.
Consumer complaint received 2020-12-03
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)

Thank you for taking the time out to read my complaint. I was reported late on my credit report ONE time from XXXX XXXX XXXX. It reported XX/XX/2019. I called and explained that my identity was stolen that month and my bank closed my bank account so the automatic payment did not go thru. I advised them of the issue when it happened in XX/XX/2019 by phone call that it may even be late but I was willing to send in police report and even a letter from my bank to verify. After the investigation on my bank and my funds were back I called XXXX XXXX XXXX and made my payment and they still reported it. I have been pleading with them to remove it and no luck. I emailed the ceo, mailed and faxed numerous of letters and still no help. Ive despites multiple times and nothing.
Consumer complaint received 2022-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC (TX)

I had a payment arrangement in XXXX for a medical debt with XXXX XXXX XXXX in XXXX, TX. All payments were made as agreed. About a year ago I received an alert about a delinquent account on my credit report. The account is owned by Cascade Receivables ; the hospital is now conveniently out of business. I called the agency, XXXX XXXX in XXXX, Texas, made clear the debt had been paid, and demanded validation of the debt, including all invoices. They never replied. A few months later I got a call from a DIFFERENT collection agency about the same debt ; one conversation with them and they got the message. Now, this morning, I get a text message from a THIRD COLLECTION AGENCY ABOUT THE SAME ALLEGED DEBT. I called Cascade Receivables after I spoke to them and the " gentleman '' who answered the phone REFUSED TO ACKNOWLEDGE IF I WAS CALLING CASCADE RECEIVABLES. 

As I previously demanded debt validation from two agencies, one of whom was XXXX XXXX in XXXX, TX, which was not provided, Cascade Receivables should not be allowed to continue harassing me with a different collection agency every few months about the same account. This is completely unfair and possibly illegal.
Consumer complaint received 2021-06-23
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. (LA)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2023-04-18
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX Original Creditor : ) XXXX have 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 2022-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NY)

On or about XX/XX/22, I first applied for a Venmo account. At that point, I provided all of the information requested by Venmo, including personal information that I am cautious about sharing, such as my social security number and banking information. Venmo accepted my application and my Venmo account was opened. I never used, or attempted to use, my Venmo account. On XX/XX/22, only XXXX days later, I received the email below : ( attached ) On several occasions, both by phone and email ( documented ), I contacted Venmo asking for clarification. Venmo has outright refused to provide an answer. Venmo 's only response is to require a digital photo of my driver 's license as proof of my identity. That is not an answer to my question. 

" SPECIFICALLY, WHAT ACTIVITY OCCURRED THAT APPEARED TO BE A VIOLATION OF VENMO 'S USER AGREEMENT? '' I would like to point out that I've researched this and found that this is Venmo 's mode of operation in dealing with many, if not all, of their applicants. I would also like to point out that I have had several credit accounts for which I was never asked to provide a digital driver 's license photo. 

If Venmo does not provide a prompt response, I will be forced to assume : ( XXXX ) that there, in fact, has never been any activity in my account that appeared to be a violation of Venmo 's user agreement, ( XXXX ) therefore, ( a ) the statement made in Venmo 's XX/XX/22 email is false, ( b ) Venmo has intentionally provided me with dishonest information, and ( c ) Venmo is guilty of following dishonest business practices, ( XXXX ) as a dishonest financial institution, Venmo 's true motive to freeze my account and requirea digital photo of my driver 's license, is to collect personally identifiable information for dishonest purposes, including the sale of that information to third parties, who may also be dishonest, ( XXXX ) in light of the above, Venmo should, and must, be dealt with accordingly by the CFPB. 

Thank you for your attention in this matter.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

The letters are stated with items and issues. 

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 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

I have filed a dispute in regards to incorrect items on on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-08-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

XX/XX/XXXX collection opened under false pretense using identification to authorize a mortgage debt. XXXX XXXXXXXX XXXX  apartments. A police was filed on XX/XX/XXXX for identity theft. authorized use of identification card. XXXX XXXXXXXX XXXX violated my personal identity u.s.c 1028.4 and 15 u.s.c 1681 obtaining a persons information to file a debt to file a consumer report as an estate or government agent for a financial advantage. This report was pulled under false pretense and needs to be removed and deleted from my account. This is not my debt. I did not validate this. My address is private this is not my record.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I checked my credit report and noticed Equifax and XXXX has this company XXXX account number XXXX which is a collection account reporting as a open account on my credit report. It also displays a past due balance According to the F.C.R.A law this is not in compliance with F.C.R.A and I can have this account removed. Ive tried disputing this several times using the dispute services of the credit bureaus to no avail. The credit bureaus do not truly investigate they simply re-report what information they have. After continuously violating the F.C.R.A laws the compensation is removal of inaccurate information but they simply updated and attempted to correct whatever they could which is again unlawful acts and or a direct disregard to the rules of the F.C.R.A.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

1. XX/XX/2021-Called XXXX XXXX Credit Report Team about a duplicate inquiry on XXXX credit file ( XX/XX/XXXX ). I was told the duplicate entry would be erased from XXXX  credit file. However, it remains on there as of today, XX/XX/XXXX. 
2. XXXX, XXXX  and Transunion all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response. 
3. No response from XXXX XXXX, after letter of verification sent. 
4. XXXX  reporting inaccurate personal information ( multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted. 
5. Transunion reporting Incorrect personal information : Middle names are incorrectly listed as one name ( XXXX XXXX ), when its actually two names ( XXXX  XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-15
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. (UT)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2022-11-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (CA)

Dear Sir/Madam- I have self-directed my retirement money ( from my traditional IRA ) and on XX/XX/2022, I opened an account with BLOCKFI, a crypto currency company, which guarantees interest on the cash and cryptocurrencies invested. Over the course of several months, I have transferred roughly around {$800000.00} and as of XX/XX/2022, the total balance on theaccount is {$630000.00}. 

Two weeks ago, I received notification that withdrawal has been frozen, as aresult of its " exposure '' to the now bankrupt XXXX. I would like your assistance to see if I may be able to withdraw all of this sum of money. I trusted the company with all its backings ; however, now I feel I have been deceived. It is my IRA money and would like to know if there is a chance I could still have access to it. I appreciate your understanding and help on this matter. 
I have tried to contact BlockFi several times, at least 6 calls, but their " Client Success Team '' is unavailable. 

Should you need further information, please let me know and I will provide it immediately. Respectfully yours, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION (MO)

Credit Acceptance Corporation has several late payments on account which are a direct effect of the Pandemic related status of payments that I was no aware of.
Consumer complaint received 2021-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

Received a notice from the Town that a lien with a XXXX fee will be placed on the property XX/XX/XXXX if the property taxes where not paid. This was a surprise to me as Freedom Mortgage handles my escrow account and receives any tax bills. Freedom did pay the homeowners insurance but failed to pay not one but two property tax installments for a total of XXXX and XXXX in interest. Freedom was notified about the issue electronically and in writing XX/XX/XXXX. They where also contacted again when the issue still wasn't resolved. They said more research needed to be done and I would have an answer no later then XX/XX/XXXX. Well its XX/XX/XXXX and the taxes have not been paid and continue to accumulate interest. The total now stands at XXXX. This years tax bills are also approaching soon. Another interesting note is that I pay XXXX every month for taxes and insurance but there is only XXXX available in the escrow account. Money was also transferred over during refinance XX/XX/XXXX from the other loan. If only the insurance was paid and not the taxes then where is the rest of the money? And yes my mortgage payments are made on time every month as you can see in the attached statement.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is committing fraud and illegal activity under FCRA 609 by fraudulently and illegal placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX XXXX and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim. I DO NOT have or owe Any of the credit card amount, this is fraud under FCRA section 609 and it must be removed from my credit reports immediately. this company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CAN JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY. THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVESTIGATION BY THE ATTORNEY GENERALS OF THE THREE STATES, THE CFPB, THE XXXX XXXX DATABASE, THE FTC, AND I AM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING XXXX XXXX AND ILLEGAL ACTIVITY.
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

The same Fraud Department that investigated & Confirmed UNAUTHORIZED TRANSACTIONS XX/XX/XXXX {$470.00} ALSO CONFIRMS NO FRAUDULENT ACTIVITY XX/XX/XXXX AND COLLECTS ON FRAUD. See attatched XX/XX/XXXX XXXX CREDIT   CARD FRAUD CLAIM LETTER Claim date XX/XX/XXXX **** AFTER INVESTIGATION which took a year to Complete *** UNAUTHORIZED TRANSACTIONS CONFIRMED in amount of {$470.00}. Futhermore XXXX out sources Fraud. Consumer never able to speak directly to decision makers. They are kept hidden. A different source than XXXX MUST CALL CONSUMERS BACK ON PHONE FOR RESOLVE and they have not called me to resolve in two years. Futhermore : XXXX has Not RESOLVED FRAUD ON THIS ACCOUNT OR Provided Permanet Fraud Credits & COLLECTS ON this ID THEFT case XXXX See Attatched XXXX REVIEW OF THIS CLAIM IS COMPLETE XX/XX/XXXX NO FRAUDULENT ACTIVITY IS FOUND?? The same department consumers unable to contact Confirmed UNAUTHORIZED TRANSACTIONS & Confirmed NO FRAUDULENT ACTIVITY SO XXXX NEVER PROVIDED FRAUD CREDITS. I have been held liable for this UNRESOLVED FRAUD Since XX/XX/XXXX. XXXX DOES NOT RESOLVE FRAUD. ** And I discovered ** I did Not Open this credit card account XX/XX/XXXX, XXXX was opened FRAUDULENTLY.