davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I have sent Portfolio Recovery Associates multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.
Consumer complaint received 2020-09-03
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. (WA)

I have sent XXXX XXXX XXXX multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

A credit card with COMENITY CAPITAL BANK/Forever 21 shows as an open account on my credit report but I did not open this account. I tried to call the bank to cancel and gave my social security number, address, telephone number and zip code and they did verify the account exists but said it is not in my name so they will not allow me to cancel it. I tried every variation of my name possible and they simply said that since it is not in my name, even though it was opened using all of my other personal information, they will not be able to access it without the correct name and I would have to try to cancel it through you. I don't know what to do to remove a fraudulent account using my information but someone else 's name. I tried the customer service and the fraud department with Comenity Bank and Forever 21 and they both declined helping me.
Consumer complaint received 2022-08-22
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. (FL)

I noticed hard inquiries on my credit report that weren't mine : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2021-11-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have sent XXXX XXXX XXXX multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX Account 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 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

For the last four ( 4 ) years, I have been charged late fees of {$40.00} each when I make my credit card payments to Chase Bank, even though I'm not late ; in fact I'm always early. 

This has been going on for at least 4 years, and I've brought it to the attention of Chase as late as last week, again. 

I pay all of my monthly bills through my online bill pay with XXXX XXXXXXXX XXXX  and the funds comes out of my checking out. 

To ensure that none of my bill payments are in fact late, I make all payments through the aforementioned account at the same time. 

My payment with Chase Bank is not due until the XXXX of each month, however, since I pay all of my bills at the same time at the first of each month, I do the same with this Chase payment so that I will not be late. 

Sometimes, the payment will go out at the end of the month for the following month to ensure that the payments are not received late. 

I'm never late, but early, and Chase Bank charges me a late fee each month in the amount of {$40.00}. 

Please advise.
Consumer complaint received 2020-09-20
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: EQUIFAX, INC. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$850.00} Closed XXXX   Reported : XXXX. XXXX, 2020 + {$0.00} Closed XXXXXXXX XXXX XXXX XXXX  Reported : XXXX XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/2020 AND INQUIRIES As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2020-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$850.00} Closed XXXX   Reported : XXXX. XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/, 2020 AND INQUIRIES As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2020-09-20
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. (NY)

THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE REMOVED IMMEDIATELY OFF MY REPORT.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (WA)

To whom it may concern, I called Aidvantage the last week of XXXX to request a portion of my student loan back due to the CARES act. I was told it would take 4-6 weeks. Then on XX/XX/XXXX, I called back to check on the status. It was then found out that the request was never processed. The person helping me Submitted a neo request of {$20000.00}. He said he would escalate the situation, and said that I will see the balance back on my Aidvantage account soon. I called back today XX/XX/XXXX to check on the status. I dont want them to drop the ball again. The person said that it will again take 4-8weeks. I am getting mixed information about timelines and expedited procedures that Aidvantage doesnt seem to be able to hold. I have contacted them via email to explain my situation. I am not happy with how they are handling this situation since the student loan refund Cares act is nothing new. Thank you for helping me.
Consumer complaint received 2020-09-03
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: AMERICAN EXPRESS COMPANY (RI)

I purchased flight ticket with American Express travel in XXXX. My flights were canceled in XXXX and I was entitled to full refund of {$3400.00}. However, after 5 months I have not been able to get a refund. 

Through out the process I called in XXXX, XXXX, XXXX, XXXX and I was told to wait for 30-45 days. However, on XX/XX/XXXX I was still not able to get a refund. The airline company confirmed refunds have been processed. However, American Express travel still told me they were waiting for airline company after five months. 

I was also told deceptive information throughout the process. In XXXX, I was first told I was entitled to full refund yet without any confirmation email. In XXXX, I was told some agent did something wrong and I was not entitled to refund. I asked to be escalated to a supervisor and they explained to me the previous agent was wrong and I was entitled to a refund with email confirmations. In XXXX and XXXX I called twice to confirm everything was going well and got email response. 

On XX/XX/XXXX, XX/XX/XXXX, I called again since XXXX announced they have given back all refund. I dealt with in total of 1 agent and 3 supervisors who told me completely different things. The first agent first told me someone had taken my refund out of queue ( even with my constant confirmation during the process ). Since it did not make sense, I asked to told to a supervisor. The supervisor on  XX/XX/XXXX told me I will be refunded in 5-7 days and an email will be sent. Yet I did not receive confirmation email. Thus, I decided to call on XX/XX/XXXX, the first supervisor send me an email saying it will be refunded in 30-45 days and up to the airline company, which is totally inconsistent with what the other supervisor has said. I called again and the third supervisor told me they are still waiting for airline which was contradicting to the other supervisors. 

The time frame they have promised have been long passed. I was also misled with inconsistent information.
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX  XXXX account # starting with XXXX XXXX  XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  XXXX account # starting with XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX XXXX XXXX account # starting with XXXX XXXX  XXXX Bankruptcy Ref # XXXX 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 2021-11-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

So prior to the Child Tax Credit Payment being issued by the IRS in XXXX XXXX, Chase because my account was overdraft by a small amount decides they want to issue a Overdraft Protection Credit to my account so that everyone gets full access to their Payment. Seems great doesn't it but their is a catch behind all of it. 

Is Chase never notified their customers that they where gon na do this and then Chase is gon na turn around and debit the amount back from my Checking Account. I'm sorry to say I did not request Chase to issue any courtesy credits. To me it does more harm then good. I'm told it's a Federal Law that they have to do it, but also seems sketchy that other banks did not issue such a credit to their customers, and it also seems sketchy the credit didn't apply back during stimulus checks.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AZ)

I became aware Sunday, XXXX XXXX, that I was being billed on my XXXX credit card monthly. I was never aware of any authorization on my part, hence I never even knew about such a membership through experian credit bureau. I scrolled through transactions from XXXXXXXX XXXX for {$1.00} then a monthly charge of {$21.00} per month from XXXX XXXX. Till it was cancelled. That is {$190.00} that I am in debt for. I am a senior and struggling with potential bankruptcy and surgeries etc. It is immoral for experian credit bureau to somehow manipulate that charge without my awareness. I expect a full reimbursement from them for i am struggling to pay down these cards. Experian told me to contact bank, bank told me to contact experian.
Consumer complaint received 2021-11-04
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. (NJ)

There are several fraudulent names and addresses on my credit report. I sent letters to XXXX, Equifax, and XXXX to remove the fraudulent information in order to prevent identity theft however they have not responded. 

My credit report should accurately reflect who I am and having multiple names and addresses on my credit report is a form of identity theft seeing as how I never gave written permission for any names or addresses that are not mine to be on my report I have attached a copy of my identification which contains my only name and address. I can not have more than one address or name as I am only one person.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Attempted to contact customer service after a wait of 37 minutes in the call queue on XX/XX/2020. My payment of {$130.00} scheduled for XX/XX/2020 was on time, however ; I was still assessed a {$27.00} late fee. According, to XXXX in customer service, the late fee should reverse itself. Why was I charged a late fee to begin with, if the payment was made on time?
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I can not use my card that they sent me TWICE!! When I got my bill it had chares that I could not and did not make, because I can NOT use their card for 3 MONTHS The ONLY charge I made was for {$42.00} on XX/XX/XXXX BUT my bill is for {$180.00} I called the bank, spoke to a rep. XXXX, who told me NOT to pay my XX/XX/XXXX bill, and pay next months bill! " NO INTREST AND NO LATE FEES ''!! I got this months bll WITH A {$25.00} LATE FEE, and {$11.00} INTREST They have charged me INTREST on ALL of my bills for the past year even if I pay on time. YOU have my permission to check!! I hope that you will CITI CARD IS RIPPING PEOPLE OFF!!! I hope thet you post this so other CITI card people will check their bills too!
Consumer complaint received 2020-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, My name is XXXX XXXX. I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XXXX XXXX, 2020 XXXX XXXX, 2020 XXXX XXXX, 2020 XXXX XXXX, 2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XX/XX/XXXXRECEIVED THE LETTER.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Alabama Housing Finance Authority (WA)

My initial complaint XXXX named XXXX XXXX XXXX and XXXX as subservicer ( account XXXX ) in this matter. It turns out that XXXX  ( account XXXX ) was responsible for the shady practice of reporting my payment late when it was, in fact, timely and discrepant. XXXX  sold my mortgage loan to XXXX immediately following this shady report. 

XXXX followed up only to implicate XXXX and told me they could not resolve the issue. 

All the detail I provided in the initial complaint then, would directly apply to XXXX  as the company at fault for incorrectly reporting. 

I am not sure it is true that XXXX can not correct this? 

If true that the complaint must be shifted to XXXX  in order to get it resolved, would you please be kind enough to re-process the complaint noting this update? 

Thank you! 
XXXX XXXX