davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it againXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (VA)

On the XXXX XXXX account I have disputed this with the credit reporting agency many times and they refuse to acknowledge the payments and that the account was paid in full. I have contacted XXXX and they have stated they have not reported what Experian is reporting. This has caused me financial loss because I have had to get loans with higher interest rates. It has even caused me to not get help from the SBA due to a low credit score that would have been higher had to reported accurate information. There are several accounts in the report that have this problem and I dont know what to do. Its costing us thousands a of dollars and we can not afford to keep this up. Reporting agencies need to be held accountable
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery mailed a collection demand to the XXXX XXXX sheriffs department at XXXX XXXX XXXX XXXX wisconsin which divulged information regarding my debt to the sheriffs department. Portfolio Recovery also discussed my debt also with a third party agency without my authorization, all of this information is in their records.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

I had a previous account with American Express that was included in bankruptcy in 2014. I, unfortunately, had to file bankruptcy in 2014 because I was awarded 100 % XXXX with the XXXX XXXX. I served my country as a United States XXXX and suffer from XXXX. I have since then got my financial house in order and thought it was appropriate to repay my debt owed to American Express. I would ask that you remove any blocks from my account so that I can reply for another credit card. I applied today and was declined because of my previous account status but was hoping that since I paid my debt, that I would be reconsidered.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (ME)

On XX/XX/2022 -Wile at a self check out register at Bjs, my transaction was stopped and a clerk came over. She wanted me to open a credit card that the screen prompted me to do as well. I put my information in and was approved, wile reading the terms and conditions, I did not agree with the interest rate and was reaching to hit No when the BJs employee reached over and hit accept. It automatically opened and charged a new account I did not agree to open. They could not do anything about it to reverse it and said to call the bank, they admitted wrong doing but told me to bad so sad. I had no intention of ever agreeing to this card to be opened and did not accept the terms and conditions. I called the bank, comedity and they did an investigation and found no wrong doing but closed the account without my concent and then sent me a bill, they keep sending me a bill and it has now negatively affected my credit. I have also tried to dispute it with a credit bureau, who has been no help. My credit has now dropped XXXX points, and I have nowhere else to turn.
Consumer complaint received 2020-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Healthcare Collections-I, LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your  failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral  duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-07-17
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: SYNCHRONY FINANCIAL (NV)

Made a purchase on XX/XX/2020 in the amount of {$840.00} for goods. As of XX/XX/2020 these goods were never shipped to me and the merchant had not responded to a request for update. On XX/XX/2020 a complaint was made through the creditor. Upon receiving the inquiry from the creditor, the merchant, updated my order status as " Cancel '' ( previously showed " Processing '' ), issued a USPS tracking number as proof of delivery, stated to the creditor that my mailing address was associated with the USPS tracking number confirming delivery on XX/XX/2020. 

USPS tracking information does not reveal the recipient 's name, shipping address and will only provide the zip code and delivery progress by location. USPS tracking does show the package associated with that number was delivered. However it clearly shows the zip code differs from my address and the address the merchant says they mailed to. The creditor wants me to provide proof other than the information from the USPS that the package was not delivered to me. A trip to my local USPS did reveal the package associated with the tracking # provided was addressed to someone else and not my address. However, due to privacy policies, the USPS can not and will not provide any details about the addressee of a package or their address it was delivered to to anyone other than the addressee. 

The creditor 's policy along with the USPS policy creates a perfect hiding zone in plain sight for dishonest and deceptive merchants. The creditor will not enforce a Buyer Protect policy stating the merchant did provide proof of delivery. They will not accept the fact the the zip code being different ( which is information they can verify ) is sufficient evidence to show the package was delivered somewhere other than to me. The US Postal Service disagrees and even escalation to a manager,  they will not provide me the details the creditor is asking for. USPS feels the tracking information is sufficient to directly shows proof of my claim.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the XXXX, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the XXXX and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Consumer complaint received 2020-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (AK)

I recently received an automated and very scammy sounding voicemail claiming that I have an outstanding debt in collections with Direct Recovery Services, LLC., that voicemail directed me to their website to pay a balance of {$1600.00} A family member also received a semi-robotic voicemail with the same information, and notified me of it. 

I have requested that they provide me with verification of any debt which they claim to be owed by me, and likewise have notified them that I am filing a complaint with the consumer financial protection bureau. 

Further I insisted that they cease and desist from contacting any other parties and harassing my family about this alleged - and false - debt, lest I initiate legal action against them.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

1. XXXX # XXXX- the bureau has left this account on my credit past its 7 year expiration date of XX/XX/XXXX. They added dates under last active and last reported in an effort to illegally leave it on far past its 7 years in an effort to continue to keep my credit in a negative standing. This account is expired and needs to be removed now! 

2. XXXX # XXXX - this account hasn't had activity since long before XXXX given it was on forbearance due to a class action lawsuit filed against the XXXX of XXXX for allowing colleges to fraudulently use government financing for fraud. This account is now at its 10 year expiration date as of XX/XX/XXXX. It needs to be removed. The bureau put updated dates on it in an effort to keep it too on my credit when it will be past its time this month. I'm not going to sit still and allow it to happen. It needs to be removed now!
Consumer complaint received 2023-01-20
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2000.00}
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (WA)

I have disputed a collection account that was added to my credit report in XXXX. Both times they are stating they have verified as accurate. I have not received any verification or validation from the collection company Gc Services that I owe XXXX. There is no contact information for them on my credit report for me to contact them directly. I have requested proof of my signature that I have a contract with Gc Services and have not received that documentation from XXXX. XXXX  is not verifying properly. They are using a computerized system instead of contacting this collection agency by phone and getting the proper documentation that I owe them money. I am requesting this be removed from my credit report. This does not belong to me and they have to provide me with verification/validation with my signature that I have a contract with this company and owe them money. To date this has not happened.
Consumer complaint received 2020-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Individual : Bankruptcy XXXX XXXX, XXXX - {$0.00} Discharged CH-XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type Individual Responsibility Individual XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX + {$200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$160.00} XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$27.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$21.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$96.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$190.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$63.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$29.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$430.00} Needs Attention Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$39000.00} Needs Attention XX/XX/XXXX Creditor Name XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- accounts not mine or ftc violations
Consumer complaint received 2020-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TX)

I dont know exactly what yall need to know but Ill start from the beginning, Monday night XX/XX/20 I went to XXXX and transferred {$50.00} from my savings into my checkings and spent {$35.00}, I then went home and started cooking and remembered I was supposed to send money to my mom so when I tried to log into my account it wouldnt let me so something told me to check my email and thats when I seen that someone changed my email and I looked further in my emails and also seen that they transferred XXXX at first from my savings to my checkings then XXXX out of my savings to my checkings and I couldnt check my balance because Someone changed my log in information so I called to check my balance and it was {$0.00} so because chime was closed at the moment I ended up calling them early the next morning. I talked to a lady and she was able to help me change my email back and password then from there I got transferred to a supervisor he then said that his system wouldnt allow him to put in the dispute for me so they transferred me to another department to see if they will enable them to file the dispute they then told me to call back in 3 days to check for any updates, so Friday morning XX/XX/20 I called and they said the dispute was filed and the investigation has started and then told me I just had to fill out the dispute form they sent me already so I checked through my email for it but couldnt find it so she kept trying to resend it to me but I still never received it so she told me another department would be in contact with me within 24 to 48 hours sending me the dispute form but I still was having trouble receiving it so I searched it up and filled it out, now I was able to cancel the XXXX transactions and get that back but the XXXX is what I filed the dispute for, someone transferred that to a XXXX XXXX XXXX account without my consent. Ive been emailing chime non stop after that to get more updates thats when they finally emailed me back and said the dispute was declined bc I didnt give them enough information, Ive never had this happen to me before is dont know what else they need they have my transaction history so they see that, I also sent them screenshots of when they emailed me saying my email was changed and also when I ended up changing it back the next day which was XX/XX/20, they have all my phone calls recorded so they have it where the lady had to help me change it back. I've emailed over 9 times, called them probably more than that, its XX/XX/20 still no help from them and no money, now I can't let this go I've worked hard to save up and I have my brothers and sisters I help my mom take care of I dont know what else to do I need help.
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (MN)

XXXX  will you send me a copy of your Companies legal compliance procedures as to how you are suppose to legally note a credit report after conducting a proper investigation I know you failed to enter the remarks after reviewing the FTC website and The FDCPA youre marks should read consumer dispute meets FCRA requirements. 

If you look at XXXX report they entered the note correctly for their company policy and their company purpose only I open a dispute with them they noted the account consumer dispute reinvestigation in progress This does not apply to you I have to give XXXX credit for following the law and doing whats right! 
Experian XXXX DO NOT show that any investigation have every been conducted by your company remove this for fcra violation The law requires you to enter consumer dispute meets FCRA requirements with in 30 days of a complete investigation send me proof that you fail to follow FDCPA which automatically put you in violation delete today
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

on previous complaint with collection account XXXX XXXX XXXX XXXX, i submitted a document showing to Transunion credit reporting agency, the information is inaccurate, and requested to remove XXXX collection account from my credit report. They closed the collection account, don't removed and days later they reinstate again this collection. How much time we, the consumers have to wait for this credits agency to do their job following federal laws, they are breaking all the federal laws without any problem and the federal trade commission don't do anything. Also, I've been received from Transunion, a letter where they place a security alert without removes those inquiries and i never allow any written consent to them to place any alert, remove theses alerts and inquiries as well.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (NJ)

Can not contact XXXX company to dispute the fees being charged to my account, I have tried several times to contact over the phone and get no were, they keep going thru the menu and then hang up.They are taking between 8 to 10 % fees from my account that is linked to XXXX, the fees are supposed to be 2.9 % plus {$.00}. 
I been frustrated trying to contact with no avail, to have them correct this issue and charge the appropriate fee. 
I hope you can get this straightened out. 
Thank you