davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SD XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-17
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: World Omni Financial Corp. (FL)

I 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 1668B : 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 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NC)

I have Chase XXXX XXXX XXXX credit card under my LLC ( XXXX XXXX ) ending # XXXX and I had problem with the payment via online in XXXX XXXX. My automatic payment was in place all through the year with minimum statement balance due to 0 % APR they were not charging me interest. However, when the 0 % APR ended in XXXX I was unable to change the automatic payment to use full statement balance instead of minimum payment. I had issues logging in and the wait time was XXXX when I called in twice. I was finally able to get a rep on XX/XX/XXXX and she corrected the log in issue with my account and told me I can pay the balance full so she then reverse those finance charges in XX/XX/2022 on the balance I was unable to pay any balance due to the technical issue. I paid full balance on XX/XX/2022, However again on XX/XX/XXXX they charged another finance charge. When I called on XX/XX/XXXX to request the reversal of those finance charges the rep was very rude and said he can't reverse them and when I requested to speak to the manager he said there is a very LONG wait time. This was very intentional and I told him I need to file a complaint and he immediately disconnected from me and it went to the main menu. I have no choice now and filing complaints through CFPB to let the regulators know the issue with XX/XX/2022 finance charge which is a cumulative of 2 months according to the rep and if no activity on the card they won't let the customer know if they're charging any finance charge. This is very unfair and each rep says different things and I was promised to get this refunded initially and now another rep denying my request after the full payment on the balance. I will be closing their account if they don't treat 10-15 year customer relationship fairly.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX Blade XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Bank Card P. O. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Acct # Ending in XXXX To Whom It XXXX Concern : This letter is in response to your recent claim regarding account # ending in XXXX, which you Claim was charged off. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per the FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your report. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX I purchase two round-trip tickets to XXXX, XXXX from XXXX, WA. I made the purchase using my Chase credit card. The flight was on XXXX XXXX. The intended departure/return dates were XX/XX/XXXX - XX/XX/XXXX. Due to the XXXX pandemic, the Spanish government restricted all non-essential travel from US citizens in the XXXX. I called Chase customer service, and they ensured me that I could safely cancel our flight in exchange for a future flight credit. Our flight was cancelled on XX/XX/XXXX and Chase promptly sent an email confirmation stating that I had been issued an airline credit. Chase issued us a flight credit for a total of {$1700.00} USD for future use ( two {$880.00} tickets ) as long as the credit was used by XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to use the credit to purchase new tickets to XXXX. I called Chase for assistance in applying the funds to my new trip, and several agents told me that my flight credit had gone missing, without explanation. I was previously able to periodically check in and verify the existence and validity of the flight credit through my Chase web account ( " My Trips '' ) and checked most recently in XXXX, XXXX. I logged in on XX/XX/XXXX and the flight credit has inexplicably disappeared from my account. The Chase travel agents have insisted the voucher " doesn't exist '' despite Chase email evidence to the contrary ( attached ). 

Chase travel agents asked me to call XXXX XXXX and XXXX ( a travel partner ) to attempt to retrieve the voucher through them. After several hours on the phone with both organizations, both XXXX XXXX and XXXX have strongly insisted that Chase is responsible for the flight credit since the funds were held in my credit card account. Chase has failed to acknowledge the existence of the flight credit and have failed to offer adequate resolution to this issue. 

I have attached several emails including : - The original flight confirmation, itinerary, and flight numbers- The original cancellation email - The original emails from Chase and XXXX XXXX notifying me of my travel credit to the amount of {$1700.00} USD and verification of the XX/XX/XXXX expiration date I am seeking a full refund for my cancelled tickets to the amount of {$1700.00} and an explanation from Chase as to how my flight credit was mismanaged and " lost. '' I have also attached a copy of the compliant I have filed through Chase 's third-party claims service eClaimsline.com, as well as a complaint I have filed with the XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (FL)

I am receiving statements from BMO Harris bank. 

The account is under my business name XXXX XXXX XXXX and is being delivered to my home address. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl. XXXX I have called to request they cancel this. 

I have never authorized this account.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, Experian has violated my rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy, Experian is reporting incorrect addresses, as well as old addresses that I no longer have access to the mailbox. These actions are potentially putting me at risk of being a victim of identity fraud.
Consumer complaint received 2022-06-17
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. (NJ)

I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my XXXX and Transunion, XXXX credit reporting agency, this account of XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXXXXXX BANKInquired XXXX, XXXX Inquired XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES
Consumer complaint received 2022-06-17
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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NC 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 2022-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

I recently noticed a balance of {$1700.00} add to my collections around 2021. After finally receiving a statement and a proper number to call I called to talk about financial hardship to hopefully get this charge taken care of. After getting the runaround I heard nothing back and after a couple of months have received a phone call and a second charge added to my collections for the same charge through the debt collector. I am unable to pay this I have talked to numerous people in regards to getting this taken care of nobody has helped me I have no idea what else to do and I need help trying to figure this out.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (GA)

Creditor Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/18 XXXX XXXX Code XXXX - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such statement. 

( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 

( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 

( XXXX ) Any other error described in regulations of the XXXX.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

they updated a old account. last payment was XX/XX/XXXX account was past due since XX/XX/XXXX not XX/XX/XXXX. they updated account to new status to affect my credit. that new status should be remove from my credit file.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (NC)

Received a NetSpend ACE FlareAccount debit card that I did not request and do not want. Called customer service and was advised that Netspend opened the account as a promotion without my permission.
Consumer complaint received 2020-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I received court forms in regards to a credit card debt from XXXX. The court forms were signed off by the XXXX XXXX Sheriff 's Office, Sheriff 's Civil Bureau. My social security number was hand written in on the forms next to the wrong address. I first spoke with a representative from Midland Funding LLC regarding this whole matter that I was unaware of and also the fact that my social security number was written in on the forms and by law they should not have written any of my personal information on anything in any form. The representative stated they could do that in a court form. I responded by stating they could not do such and it is not normal practice to write a social security number on any form especially court forms. I indicated that I am out of work due to the virus and that the forms I received state a payment plan could be worked out even though this is a 12 year old debt and past the seven year rule. The representative then stated that the sheriff 's department was the one that wrote my social security number on the forms. She also stated they could take all of the amount ( XXXX ) and that no plan would be worked out. There are so many issues with the handling of this 12 year old matter. We are in a crisis as a nation and a company such as Midland is able to do whatever they want and also be irresponsible and give out my social security number just because they don't care other than receiving money that they shouldn't even receive. They found my correct employer yet they couldn't find my correct address. My address is linked to my employer. These companies seem to get away with what they want and no one puts a stop to them. The judgment was entered in the court on XX/XX/XXXX. I was unaware of anything pertaining to this matter especially since they were not mailing any information to my correct address.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX 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 2022-06-17
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. (AZ)

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 instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XX/XX/XXXX I made no written agreements to add this to my credit reports. 

XX/XX/XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XX/XX/XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (NY)

The following accounts were reported as late ; XXXX  XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX According to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive this aforesaid letter and as a direct result i would like the late payment to be updated on my credit file.
Consumer complaint received 2022-06-17
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, in XXXX Maryland, 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 2022-06-17
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. (NC)

ATLDISCORP - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX FINANCIAL Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Auto XXXX, New XX/XX/2022 Experian CAPITAL XXXX AUTO FIN Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX FIELDSASHL - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX OF XXXX Auto XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX Auto XXXX XX/XX/2022 XXXX XXXX FINANCIAL Auto Financing XX/XX/2022 XXXX GLOBAL LENDING SERVICE Auto Financing XX/XX/2022 XXXX XXXX OF XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Finance XX/XX/2022 XXXX XXXX XXXX Auto XXXX XXXX XXXX XX/XX/2022 Experian CAPITAL XXXX AUTO XXXX Auto Financing XX/XX/2022 XXXX XXXX XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX FIELDS XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX OF XXXX Miscellaneous Automotive XX/XX/2022 XXXX XXXX OF XXXX Auto Dealers XXXX New XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX CRE Auto Financing XX/XX/2022 XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX
Consumer complaint received 2022-06-17
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. (IL)

I recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXX XXXX XXXX XXXX XXXX I also noticed multiple inquiries reporting : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX