davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (ID)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my credit report are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX  XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX Late payment Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I believe these accounts are inaccurate because [ provide a brief explanation of why you believe the account is inaccurate ]. I am requesting that these accounts be investigated and corrected or removed from my credit report. 

Under the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-03
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Well I looked at my credit last month and an charge was on it for an apartment I've never been to was on it XXXX XXXX is the name I called the credit company that has the account and told them the name is columbia debt recovery/genesis and I don't see how they didn't see its not me the name of the person 's are different from mine
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (NC)

Target failed to notify me when I missed my payment. I was unaware of a mess payment until it hit my credit report and they lowered my limit by {$2000.00} without notification. I have reached out to target several times and they refused to remove the negative remark on my credit for a 30 day late payment over XXXX dollars. They never made me aware that my account was delinquent and have refused to give me any assistance. I have also contacted them through the XXXX XXXX XXXX and was unable to resolve with them.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (FL)

My payment is due on the XXXX. We had 2 hurricanes XXXX and XXXX that affected our coast in XXXX XXXX which affected my income. I'm a hairstylist. Also, our internet and phones were not in working order so I could not connect with American Express until the XXXX of XXXX. I had XXXX  XXXX on XXXX XXXX and have not been able to work since then and for another XXXX weeks. I explained my hardship to a representative on XXXX XXXX and was told by her that my payments would be deferred in XXXX and XXXX. She could do nothing about the 29.99 % interest. She said to call back after the deferred 2 months. I looked on my app and I was charged {$29.00} late fee and my payment was not deferred. I called and spoke to another representative in XXXX XXXX and she said just give it some time. She told me there was nothing they could do for me. So I paid {$50.00} which is all I can afford. And now they have a higher payment due on XXXX XXXX. I have been with this company since XXXX  and have always made my payments. All my other credit cards have helped out with payment plans or have deferred my payments so I can get back on my feet. Any help is appreciated. Thank you
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (VA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

On Saturday XX/XX/year>, Portfolio Recovery Associates LLC called me from XXXX ( XXXX ) XXXX XXXX at XXXX. Because it was the weekend, I did not answer the call. They are not allowed to make contact on the weekend.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY On XX/XX/XXXX, I have submitted a claim to the XXXX  credit bureau, but did not comply with all the requests. XXXX   arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX  company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX  XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX  company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (NY)

I am writing to express my professional dissatisfaction with the manner in which my recent dispute was handled. On XX/XX/2023, I received confirmation that the account titled XXXX XXXXXXXX XXXX XXXX had been permanently deleted from my credit report, as it was identified as unauthorized and fraudulent, as clearly shown in report number XXXX. However, to my disappointment, on XX/XX/2023, the same account was once again added back to my report, causing me additional stress and anxiety. 

I promptly took action and sent the necessary proof of residency documentations, as well as a FTC Report to support my dispute. I had hoped that these measures would help to expedite the process and prevent any further inconvenience. Despite my efforts, Experian unprofessionally disregarded my dispute and re-added the fraudulent account to my report. 

To make matters worse, without my consent, Experian initiated a new dispute numbered as XXXX, which resulted in the XXXX XXXX XXXX XXXX  account being listed as updated. I immediately contacted Experian to request that this account be permanently deleted, as it is clearly fraudulent and unauthorized. A representative created a new dispute numbered as XXXX, which was intended to resolve the issue within XXXX hours. 

However, when I requested a confirmation email of this new dispute, I was transferred to six different representatives, each of whom claimed that they were unable to assist me. This experience has been incredibly frustrating, unprofessional, and has caused me a great deal of stress and anxiety. 

I demand that Experian permanently delete the XXXX XXXXXXXX XXXX XXXX account from my credit report, as it is fraudulent and unauthorized. I have provided ample documentation to support my claim and have followed all necessary procedures to resolve the issue. This experience has left me feeling violated of my rights under the Fair Credit Reporting Act ( FCRA ) and I expect this matter to be promptly resolved. 

I request that you take immediate action to permanently remove the XXXX XXXXXXXX XXXX XXXX  account from my credit report and ensure that it never reappears. I trust that you will take this matter seriously and address it with the utmost urgency. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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: ID Analytics, Inc. (GA)

Sent several supporting documents to XXXX for a proper investigation to remove fraudulent account and inquiries off my report. they still refuse to do and proper investigation after several disputes and supporting documents that support the removal. I'm demanding proof of their supporting documents of the investigation they processed if not I'm requesting immediate removal.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

PayPal and Venmo limited my account so I could not use it. They limited it without and warning or notice something was wrong with my account. I have been a faithful customer for years and used the services appropriately and within their user agreement. I have been trying to find any information that my account may have been compromised but after multiple emails, phone calls and support chats they have refused to give me any information on what actions in my account may have caused the limitations. All this to say it reflects poorly on me when I cant use these services and my friends cant send me any money for when we are out together and someone needs help paying or to split a check.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (NJ)

My credit report was pulled by xactus, XXXXXXXX XXXX without permission. Hard inquiry for mortgage on XX/XX/year>. I never applied for a mortgage with this company and never gave them consent to pull my personal credit. Their hard pull adversely affected my XXXX score. A brief review of the internet, revealed that this it is this companys modus operandi. They claim that my husband gave them consent to pull my credit. They should known, that a husband can not give consent to pull his wifes credit report. Under the Fair Credit Reporting Act ( FCRA ), accessing someones credit report requires a permissible purpose, and being married to someone does not qualify as such. Each individual must provide their own consent for their credit report to be accessed
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I applied for a credit card from XXXX XXXX  and was declined. I was sent a letter explaining why. It says my credit score is XXXX  That is incorrect. My credit score was XXXX now XXXX. It went down probably because of the three applications to credit cards that was declined. 
Can you please help.
Consumer complaint received 2024-10-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (CA)

Complaint : Unauthorized Account Opening by XXXX and Fortiva - Violation of Truth in Lending Act ( TILA ) I am filing a formal complaint regarding an unauthorized account opened in my name with Fortiva Financial, connected to XXXX. I did not apply for, authorize, or approve this account, and it constitutes a violation of the Truth in Lending Act ( TILA ). A {$4000.00} charge has been made against my name without my consent, and I am deeply concerned about the fraudulent activity. 

I have filed fraud claims with XXXX, XXXX, and TransUnion.I demand that the following actions be taken immediately : The unauthorized account must be closed, and confirmation of the closure provided in writing. 
All negative credit reporting related to this fraudulent account must be removed from all credit bureaus. 
Written confirmation that my personal information has been removed from your systems and will no longer be used for this or any other unauthorized purposes. 
A. full investigation into how this account was opened without my consent, with a report of the findings provided to me. 

I wrote the company about this and added-This matter must be resolved without delay, and I expect Fortiva to take action within 15 business days. They claim that I did open the account. Which this a lie. This is fraud.
Consumer complaint received 2024-10-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Round Up Ventures, L.P. (FL)

I took the loan out right as XXXX  was hitting and then lost my job. Wasnt able to pay the loan back so it defaulted. The collection showed on my credit as a delinquent mark about XXXX months ago. I wasnt aware that I could dispute nor validate the debt. I wasnt even sure what the debt was over until more recently like XXXX months ago. When I tried to dispute it on XXXX twice I was told XXXX unable to dispute this creditor because it was already disputed.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I have purchased and moved into a condominium. I still get credit card promotional letters for previous occupants of the condo, addressed to them. One persistent one is Citi Bank, advertising their credit cards. 

I have called Citi Bank and asked them to take my address off their mailing list for this previous occupant. However, once transferred to the calling center that would remove addresses off the mailing list, they told me that I needed an account to go further. I don't have a Citi Bank account or credit card. 

I literally said " So I need to be a customer in order to ask you to remove my address from your mailing list for promotional letters? '' and they literally said " Yes ''. To me, this is ridiculous. 

I understand that I can follow the instructions here XXXX XXXX XXXX XXXXXXXX And call the OPT-OUT number and the XXXX. However, that will remove my name. How can I remove previous occupants from the mailing list for my current address? Shouldn't the company be able to do this for me even if I am not a customer?
Consumer complaint received 2023-03-05
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. (UT)

XXXX was fined and sued by the Consumer Finance Protection Bureau for deceptive practices in XXXX XXXX. They ceased doing business in this manner as a lender in XXXX XXXX due to the lawsuit and fines. They now perpetrate doing business as something else. I complained about the things they were doing that I felt were illegal to the State of CA XXXX XXXX that over saw them. They failed to do anything and told me that they didn't deal with consumers, but would look into it. Well apparently they never did do anything. The Consumer Finance Protection Bureau had to do it! No one listened when I tried to bring the problems with this company up. Now I find out that the CFPB went after them for the same things I complained about, but was never notified by anyone that this took place. Where is the justice for consumers????? When I threatened to sue them, they told me they would turn my accounts over to an attorney and sue me! This company was a very corrupt, foul company and I'm glad they're no longer in business. I'm sure the credit bureaus knew about this but said nothing to debtors yet left the accounts present on our credit reports!
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

XX/XX/year> My employer direct deposited my paycheck in the amount of {$190.00} and Chime says they cant release it ; although they acknowledged having it and proof of paystub provided. The reason provided was due to a typographical error blaming the employer. I questioned because the banking provided for direct deposit came from a downloadable prefilled Chime Direct Deposit statement. The employer was notified and has stated they have to go by whats on official documentation or a live and voided check. 
The amount may seem minor, and the complaint may even seem petty ; but, recovering from two major hurricanes, lets just say, every cent matters! Especially, when its hard earned. This has cause much stress on top of disaster. Terrible!
Consumer complaint received 2023-03-05
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. (NY)

The Credit bureaus stated Account Name XXXX XXXX XXXX  & Account # XXXX properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights und

er 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these agencies written permission to furnish these accounts on my credit report as well
Consumer complaint received 2023-03-02
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. After reviewing my credit report, I have found several errors that need to be addressed. 

Firstly, the charge off accounts from XXXX XXXX and XXXX are not accurate. I have never had any accounts with these institutions, and therefore, the charges are not valid. Similarly, the charge off account from XXXX is not valid, as I have never taken out a loan with them. 

Secondly, the inquiries from XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX were not authorized by me. I did not apply for credit with any of these institutions, nor did I give them permission to inquire about my credit. 

These errors on my credit report have caused me a great deal of emotional distress, as they are affecting my ability to obtain credit and make important financial decisions. I demand that these inaccuracies be corrected immediately and that my credit report be updated accordingly. 

If these inaccuracies are not corrected, I may be forced to take legal action under the FCRA to protect my rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

There was fraudulent activity in my PayPal Credit account and I was charged {$630.00} on XX/XX/XXXX at XXXX XXXX  as well as on XX/XX/XXXX at XXXX XXXX {$10.00}. I tried to make a claim with PayPal Credit as it was an unauthorized charge and was right away denied a refund. Then I called when customer care was open in the morning and I was told that the account number changed which it thankfully actually did and that the unauthorized charge will be reviewed and a new claim will open. It never opened and it's still closed. I've been having a really difficult time getting the amount back that I never sent. It was sent to someone named XXXX XXXX.
Consumer complaint received 2024-10-22
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: NCB Management Services Inc. (NJ)

I submitted a previous complaint against a NCB Management for attempting to collect an alleged debt assigned by XXXX. NCB did not send all requested documents. Since NCB is alleging they hae a legal right to collect this alleged debt they are also bound to terms and conditions of the agreement entered into with XXXX. This is their notice that arbitration has been filed.