davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : {$140.00} XXXX. XXXX XXXX Account Number : XXXX XXXX : {$270.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX : - XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Bal : {$320.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$29.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Bal : {$2700.00} XXXX. XXXX Account Number : XXXX Bal : {$15000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (CA)

On XX/XX/XXXX I transferred {$70000.00} to XXXX XXXX XXXX, with an email that the money has been received. Throughout the past month I have been on the phone, communicating through email, through their secure web messaging and instant messaging tool attempting to access my money, which showed AND earned interest online, but which I was told I was unable to access. After several tries to also communicate the issue to XXXX XXXX, my personal bank, they filed a claim and I was emailed by XXXX  ( AXOS ) that they would send a check with my funds to XXXX with no mention of which branch they were sending the money. Following the tracking, I found that my check was received in a state across the country to an individual. I now am getting no response from XXXX at all! This is fraudulent activity, and looking online, I saw that similar situations through this bank have happened to multiple people.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

I have sent multiple letters to credit agencies as well as the debt collector detailing this is not my debt that is on my credit report with no replies or removal. 

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 2022-10-09
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. (TX)

On XX/XX/XXXX, there was written correspondence ( Commercial Affidavit ) mailed out to the Credit Reporting Agency Equifax, Incorporated. The notice was mailed overnight and got confirmation it was received. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Equifax , Inc decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Equifax , Inc being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CT)

Had hotels put hold on card for incidentals. Cash app told me holds are released within 7 days. The last time I had a hold it was released within 7 days. Now they are telling me 14 days. So they lied to me and are continually holding my money. Ive already contacted both hotels and funds have been released. Contacted their customer service and all they do is give me the run around and sometimes not even answer at all.
Consumer complaint received 2022-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2022 I was scammed out of {$210.00} for a social media repair. The person took the money and never performed said serves. They are refusing to refund my money and also are demanding more cash
Consumer complaint received 2023-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I've already sent a letter to the creditors to remove the late payments and they have not abided by what i requested and they also violated my consumer law because they never gave me the option to Opt out from reporting this information to a third party via 15 us code 6802. 

Captial One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (IL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

JPMCB CARD XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

We ( XXXX, XXXXXXXX XXXX XXXXXXXX ) were staying at XXXX XXXX  at XXXX XXXX. I have paid all my dues before my exit, which was on XX/XX/2022. 
I vacated the apartment on XX/XX/2022 and handed over the keys to the main office. 
I do not know why is rent recovery contacting me when I had settled all my dues. I contacted the off staff in XX/XX/2022, when I first hear of this outstanding amount and was informed that this is an error and has been taken care off. the ticket no for that resolution was # XXXX. 

I have again received a note about the outstanding amount to which I reached out again to the apartment management office. I received the ledger but it does not show that I owe any amount.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

XXXX is reporting a bankruptcy on my public record according to Equifax, on XX/XX/2022 as I disputed this bankruptcy with Equifax, Equifax claimed to have verified this bankruptcy through XXXX. XXXX need to seed me a letter so I can send it to Equifax to prove its no bankruptcy on my file as of XX/XX/2022 Equifax verified this bankruptcy with XXXX I need proof that Equifax investigated this bankruptcy with XXXX on or around XX/XX/2022 2022
Consumer complaint received 2023-03-23
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: Credit Control, LLC (NC)

XXXX XXXX, XXXX, I sent an email to Credit-Control requesting verification of an account with XXXX XXXX  XXXX Their reference number is XXXX. I requested proof/verification of the debt within 30 days per the Fair Credit Reporting Act. They never responded in any manner. 

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX cc : XXXX XXXX XXXX I am writing to inform you that this charge-off has not been proven. I have tried to resolve this with XXXX XXXX  to no avail. 
I am requesting proof for the charge-off : 1. Reason for charge-off ( which reason supports the decision ) 2. Date delinquency started 3. Dates of payments from that time until the charge-off was placed on the credit report 4. How many days from last payment to charge-off date 5. Full details and explanation that supports the charge-off 6. The accuracy of the amount owed Please provide copies of all documents to me supporting your findings.

According to the Federal Credit Reporting Act, you must prove the requested information. If proof of ALL of the above is not provided to me within 30 days ( by XX/XX/XXXX ), I am requesting that the account is not to be reported to the credit bureaus by you or any other collection agency ( meaning that you will not transfer or sell it to other agencies ) and no further collection attempts. 
Thank you, in advance, for your timely response.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (VA)

XXXX BANK HAS DECREASED MY CREDIT CARD LIMIT FROM XXXX TO XXXX STATING IT WAS FROM INFORMATION OBTAINED FROM MY EQUIFAX CREDIT REPORT. XXXXXXXX XXXX  CLAIMS THE DECREASE WAS DUE TO BALANCES INCREASING IN THE LAST 12 MONTHS ( ITS A CREDIT CARD THAT TENDS TO HAPPEN ) MISSED PAYMENTS ( NOT ACCURATE ) AND INQUIRIES ( NOT APPLICABLE AND HAS NOTHING TO DO WITH XXXXXXXX XXXX ) I HAVE SPOKE WITH EQUIFAX AND THEY HAVE INSURED ME NOTHING WAS WRONG WITH MY XXXX XXXX ACCOUNT AND ITS BEING PAID AS AGREED. ALSO MY CREDIT HAS DROPPED XXXX POINTS FROM WHATEVER INFORMATION XXXXXXXX XXXX OBTAINED FROM MY EQUIFAX REPORT THAT CLAIMS I HAVE MISSED PAYMENTS AND ALL OF THESE OTHER INACCURATE EXCUSES TO DECREASE MY CREDIT LIMIT THAT HAS NOTHING TO DO WITH XXXXXXXX XXXX. APPARENTLY XXXXXXXX XXXX CONDUCTED A SOFT PULL OF MY EQUIFAX REPORT AND IT DOES NOT SHOW UP ON MY INQUIRIES. IF XXXXXXXX XXXX  FEELS THIS STRONGLY ABOUT MY CREDIT AND THINGS THEY FOUND ON MY EQUIFAX REPORT WHY WAS I ISSUED THIS CARD IN 2021 AND AFTER 6 MONTHS OF ON TIME PAYMENTS WHY WAS I GRANTED A CREDIT LINE INCREASE AS WELL? I HAVE ALWAYS PAID XXXXXXXX XXXX ON TIME AND HAVE NO LATE PAYMENTS.
Consumer complaint received 2023-03-13
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. (NV)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX I paid off my statement balance completely. The company is currently charging interest on the balance that is charges in the current statement period. They said they are charging interest because I havent paid off my statement balance for 2 months in a row. Prior to recently I have always paid my balance in full each month, but because in XXXX I had a balance that didnt get paid in full even though I paid off the entire balance by the XXXX statement close date they are now charging interest on the purchases made after XX/XX/XXXX, computing charges based on an average amount of balance from the prior month. I called them to request that they waive the interest on this and told them that I was not aware of this policy and that I find it unacceptable to be charged interest for a balance that was already paid in full. This is crazy. Please take action to stop this abusive predatory behavior.
Consumer complaint received 2022-07-11
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 (IL)

My Venmo account was suspended on XX/XX/22 right after I was sent {$500.00}. The app informed me that I had violated PayPals Acceptable Use Policy although Ive done nothing now or throughout the past 6 years Ive been using their services to trigger a security concern. I emailed and called the Venmo support team and was told that another department would contact me within 6 to 7 business days. Today is day 7 and so far Ive received no email, no phone call, and no account restoration. I reached out again and was told that there is a delay in response and Id need to wait 10 to 15 business days. Im submitting my experience because Ive read about similar complaints where customers are asked to wait additional days for their accounts to be restored only for months and months to pass with no resolution and with no access to their funds. I've reached out via email and phone three times and have not been told why my account was suspended or had it restored.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After I made the payment of my capital one credit card the agent was telling me I do have another credit car and It must be Pay it in a full amount after I received a settlement for % 30 the person tread me like a was stolen her money, and i told her I have never say I was not paying the money I just need time to recover after the pandemic, she claim if I dont pay it by the end of the month the company will start and present charge to put me in XXXX
Consumer complaint received 2023-03-23
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. (IN)

I XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

XXXX XXXX XXXX XXXX XXXX US Dept. of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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. (SC)

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$120.00} Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct?
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

Someone was using my XXXXXXXX XXXX and card to purchase stuff on XXXX. It wasnt me who made those purchases, but they refused to give me my money back which is over XXXX dollars. Someone was making those purchases on XXXX on my account.
Consumer complaint received 2022-12-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (OH)

I requested a credit balance refund from synchrony after I mistakenly set my Synchrony/ XXXX XXXX XXXX XXXX line to autopay in full, resulting in a payment of {$610.00} on XX/XX/XXXX instead of a payment of {$29.00} and a balance of {$0.00}. I requested a refund for the over payment, and SynchronyXXXX XXXX XXXX agreed to mail me a check for that amount. My Synchrony/XXXX XXXXXXXX XXXX balance was updated to {$610.00}, to reflect the refund request. I was told I would receive the refund check in 7 to 15 business days. It has been 19 business days and I have not received my refund check as of XX/XX/XXXX, despite making several inquiries. I was not provided a tracking number and every time I called, I was told to just wait a few more days. On XX/XX/XXXX, I called again to ask about my refund check. The company said they would send another check. I was not given an option for XXXX or expedited check processing, nor did they offer any tracking or explanation on how this processing would be different.
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/XXXX, Rocket Mortgage approved me of home loan for $ XXXX and provided me a offer letter than will expire XX/XX/XXXX. 
On XX/XX/XXXX, I requested to update the offer letter with the new address of the home I wanted to purchase and rocket mortgage unethically denied my approval and told me they ran my credit yet again and my score was lower than 3 mths ago. My score has now been pulled twice in3 mths, affected my score. 3 mths ago it was XXXX. 
XXXX from rocket mortgage asked me for another XXXX down and said it would be at a higher rate or I wouldnt be approved until my score went up ( although my offer letter hasnt expired yet ). 
There has been no delinquency changes to my credit report in the past 3mths to cause a drop. 
I feel Ive been discriminated against due to being single and a woman. I have great income ( XXXXXXXX plus per yr ) and credit. I also have the 20 percent down payment. 
I have now missed the opportunity to purchase this home. I feel rocket mortgage tried to get more profit from me as a potential customer by approving me and then when time was sensitive they made up excuses to raise profit margin or threaten to deny my loan, even with a existing offer letter. I have documents with all the details.
Consumer complaint received 2021-11-22
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: Experian Information Solutions Inc. (NC)

The account mentioned in the attachments from XXXX XXXX financial services is listed as a Charge off when the account was actually paid in full by the consumer. The account numbers listed on the credit reports are inaccurate, and was called valid after investigation. The payment details are inaccurate and XXXX is the only credit reporting agency who has continued to re-age the account through its reporting since the account was paid and closed in XX/XX/2018.