davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (AR)

DEAR CONSUMER FINANCIAL PROTECTION BUREAU IM REACHING OUT TO THIS AGENCY ABOUT IM HAVING PROBLEM ISSUES WITH & BUSINESS FINANCIAL COMPANY GOES BY THE NAME OF INCOMM FINANCIAL SERVICES INC CONSUMER CUSTOMER PURCHASE XXXX XXXX DEBIT CARD AT XXXX  RETAIL STORE LOCATION CONSUMER CUSTOMER HAS PHOTO COPY OF ORGINIAL RECIEPT THAT HE PURCHASE FROM XXXX  RELOAD STORE LOCATION CONSUMER CUSTOMER LOAD XXXXXXXX XXXX ON XXXX XXXX XXXX XXXX XXXX & AFTER THE CONSUMER CUSTOMER PURCHASE THE XXXX XXXX XXXX XXXX HE BEEN HAVING DELAY PROBLEM ISSUES WITH USING HIS XXXX XXXX XXXX CARD WITH PAYING BILLS ONLINE SHOPPING THE CARD COMPANY HAS CLOSE MY XXXX XXXX XXXX XXXX WITHOUT MY CONSENT FOR NO REASON PREPAID DEBIT XXXX XXXX CUSTOMER NUMBER XXXX CONSUMER CUSTOMER NEED ACCESS TO HIS FUNDS INCOMM FINANCIAL HAS BLOCK ACCESS TO MY PREPAID DEBIT CARD ACCOUNT CONSUMER CUSTOMER HAVING HARDTIME WITH INCOMM FINANCIAL UNBLOCKING MY CARD ACCOUNT CONSUMER INCOMM FINANCIAL INC REFUSE TO SEND CONSUMER CUSTOMER REPLACEMENT PREPAID XXXX XXXX XXXX AS WELL TO HIS PHYSICAL MAILING ADDRESS CONSUMER CUSTOMER DID NOT ASK FOR REPLACEMENT CARD TO BE MAIL OUT TO HIM
Consumer complaint received 2023-07-20
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-07-15
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. (WA)

Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted XXXX XXXX ( Issuers of card ), they have no record of this account. Filed a dispute with XXXX it was denied because I filed an earlier dispute with XXXX XXXX that apparently did not resolve the issue. XXXX denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (OH)

I previously paid this years ago but never got reported as paid. So I paid it again to XXXX with CCS Collections {$110.00}. This was text to me by XXXX with CCS Collections on Monday, XX/XX/2023, at XXXX am. 
As requested, you can call CREDIT COLLECTION SERVICES ( a debt collector ) @ XXXX, XXXX XXXX XXXX or visit csa.ccspayment.com. We are collecting {$110.00} for XXXX XXXX XXXXXXXX XXXX, Reference File # XXXX. To opt out, reply STOP. Never reported as paid, still on report.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Re : Fraudulent Account To Whom It May Concern : I need you to correct the following inaccurate shown items in this letter which contains data taken directly from my credit report which you have provided. This account is fraudulent and should be removed immediately. 
- XXXX account number XXXX Opened XX/XX/XXXX Delete this unconfirmed account lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S code 15 U.S.C 1681 ET SEQ. Section 604 of fair credit reporting act. 

I have supplied FTC Report Number XXXX for reference. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (FL)

Previous Complaint XXXX Upgrade stated they closed my account. It shows that on the credit report but when looking at the account online on the upgrade site it shows that they have been billing me since XX/XX/2021. I have asked prior to having paper statements but nothing was sent to me. The account is showing online with a {$2000.00} credit line. The letter dated on the previous complaint shows that Upgrade stated in writing that the account was closed. Upgrade refuses and will not close the account. I have asked in writing and with CFPB and phone calls and emails. I need assistance in getting this closed. On loan XXXX I have been paying over the amount due. Now Upgrade is reporting missing payments. Upgrade after being notified several times that I want paper communication has sent me nothing. No warnings no bills no statements.
Consumer complaint received 2024-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OK)

US Bank credit card offered a Interest free balance transfer offer of 0 % for 13 billing cycles. I took advantage of the offer and the next billing cycle US Bank closed my account and raised the rate APR to 25 % with no reason why they closed my account.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, Upon reviewing my credit report, I identified multiple billing errors that violate 15 U.S. Code 1666 ( b ). According to this statute, a creditor can not classify a payment on a credit card account under an open-end consumer credit plan as late unless they have adhered to specific requirements. These include ensuring that each periodic statement, containing the information required by section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. Additionally, the statute prohibits errors such as failure to properly reflect payments or credits, and computation errors on statements. The creditor did not provide me with a statement 21 days before the payment due date, meaning no late payments should have been recorded. I request concrete proof from the creditors bank account showing that I failed to make the payment and that it was erroneously marked late. This is a billing error. The following items should be corrected to reflect " paid as agreed '' on my credit report : XXXX XXXX XXXXXXXX - XXXX - This is also completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Under the Fair Credit Reporting Act ( FCRA ), these accounts must be updated or removed immediately. Should this not be resolved promptly, I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 U.S.C. 1681n. Additionally, I have already forwarded this issue to the Consumer Financial Protection Bureau, the State Attorney Generals Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. Please note that you have 30 days from the receipt of this letter to complete your investigation, as stipulated by FCRA Section 611 ( a ) ( 1 ) ( A ). I also request a description of the procedures used to determine the accuracy and completeness of the information, to be provided within 5 days of the completion of your re-investigation. I am maintaining a detailed record of your actions, including your method of verification, and I do not consent to e-Oscar or any automated verification methods.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted XXXX XXXX ( Issuers of card ), they have no record of this account. Filed a dispute with Experian- it was denied because I filed an earlier dispute with XXXX XXXX that  apparently did not resolve the issue. Experian denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


XXXX
Consumer complaint received 2022-12-16
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. (GA)

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. 

Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (NV)

XXXX reported a 30day late payment on my credit report for XX/XX/XXXX. I called them immediately upon seeing this, I was told by the customer service representative XXXX, that my payments were never 30 days late and that I need to submit this in writing and fax it to them. I did exactly what was asked of me. It was confirmed on my credit report. I called them back and spoke to customer service supervisor, who reviewed my account and verified that info not have any 30 day late payments and indicated I need to fax ( again ) a letter indicating this information. I made a payment XX/XX/XXXX which was late however not 30 days late. I again submitted a payment on XX/XX/XXXX and paid the account off on XX/XX/XXXX never submitting a payment over 30days.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (CA)

Dear Credit Bureaus, I am writing this letter to formally lodge a complaint against XXXX, Experian and XXXX for their refusal to provide me with validation of a debt. Despite several attempts to seek validation of this debt, XXXX XXXX  has consistently claimed that they do not have any obligation to provide me with such validation. 

It has been over 30 days since XXXXXXXX XXXX confirmed receiving my correspondence, and yet they have failed to provide me with any validation of their debt collection. I would like to bring to your attention that this is a clear violation of consumer laws that require creditors to provide validation of a debt upon request. 

According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request validation of a debt from creditors. This includes information on the original creditor, the amount owed, and any other relevant information. Failure to provide this information within 30 days of receiving the request is a violation of the FDCPA. 

In my case, XXXXXXXX XXXX has failed to provide me with any validation of their debt collection despite my repeated requests. Instead, they have sent me transaction records, which do not qualify as validation of a debt under the law. 

I would like to inform you that I will file a small claim requesting {$1000.00} for defamation and willful injury if this debt is not removed from my reports immediately. I hope that you will take appropriate action against XXXX XXXX and ensure that they comply with the consumer laws. 

In conclusion, I urge you to take this matter seriously and ensure that credit bureaus stand up for the rights of consumers. It is important that creditors are held accountable for their actions and that consumers are protected from unfair and illegal debt collection practices. 

I have attached all correspondence as well as screenshots of the laws pertaining to Validation, They have also admitted that they sent my debt to a debt collection agency Violating my rights AGAIN by sharing my no public information without my CONSENT, or providing me any proof of signed disclosures saying I authorize these actions Violating the Gramm Leach Bliley Act! 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX, XXXX, XXXX, Equifax have violated my consumer rights under the FCRA because they are reporting inaccurate data about me even after I disputed the inaccuracy. XXXX XXXX, XXXX, XXXX, Equifax are reporting a closed account since XX/XX/XXXX as an open account in XXXX. XXXX XXXX, XXXX, XXXX, Equifax are also reporting an inaccurate balance of {$2600.00}, intentionally increasing score damage and hurting my debt income ratio. Attached is a copy of my most recent credit report for your viewing. Please see the " balance '', " date last active '', and " date of last payment '', " comment '' section.
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates _ XXXX and charge for {$290.00} I recently discovered two charges on my credit report, published by XXXX XXXX, totaling approximately {$200.00} and {$1500.00} respectively. These charges are fraudulent and were disputed via XXXX XXXX in an attempt to have them removed. However, disputing them reset the timer on their reporting, resulting in them being published as new on my report for an extended period. This however, should not have occurred since the processing went through XXXX. 

In an effort to resolve this issue, I reached out to Portfolio Recovery through certified mail on XX/XX/2022, requesting information regarding the issuing party and proof of my ownership of the disputed charges. Unfortunately, I have not received a response from them. I have also sent two emails in XXXX, but they remain unanswered. 

It seems that Portfolio Recovery is aware that the charges are fraudulent but has failed to respond to my attempts to clear my name. As these charges are affecting my credit score, I am requesting that they be dropped from my report immediately. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

Hello, I had previously filed a complaint with number XXXX, which is now closed. However, the issue is far from resolved unfortunately. I have done my part over the last 5 months waiting patiently every time they ask me to wait .... 

First off, Chase 's reponse contained false information. They claimed that the wire process was made to the account provided, which is false, they made the deposit from the wire transfer to the wrong account, which was also confirmed by a Chase employee. You can check the wire confirmation and it is clear as daylight that it was my account, but never received the funds. The sender has always sent it to that account and has also sent funds to that accounts since then. 

Secondly, Chase bank asked for a Hold Harmless Letter ( HHL ) from XXXXXXXX XXXX  in XXXX. With this letter, Chase would be able to return funds to XXXX, then to the sender and ultimately I would be able to receive these funds that have been missing since XX/XX/2023. 
XXXX quickly sent an HHL letter to Chase on XX/XX/2023. 
I have contacted Chase bank every single week since then to find out if they have received the letter, only to be told that they can't confirm if they have received it. 
Then I get a call last week if I have an idea when the sending bank sent the HHL as they receive soo many of them and it would help narrow down the search. 
Still no response... 

I am beyond frustrated and this has caused an enormous and unecessary amount of stress on me and my family on an error caused by Chase bank, with no admission of fault or realistic and time sensitive actions to resolve this issue. 
Everytime I call the officer responsible for my case, including the supervisor, they keep telling me that we are waiting " on our partners to confirm if the letter has been received ''. 

Absolute nightmare. Please help!
Consumer complaint received 2023-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KY)

I sent an IDR application for re-calculation over a week ago. My two other loan servicer 's have already approved my application for re-calculation. I will be paying {$23.00} a month to XXXX. AES is trying to make me pay {$130.00} a month. AES is telling me that after re-calculation, it will take 1-2 billing cycles for my new payment to go into effect. I emailed AES and told them that I can not afford to pay {$130.00} a month. I think they are trying to cause my loan to go into default.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX CARD # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.