davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (FL)

I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (ND)

I submitted multiple dispute letters to Equifax but I got no results. Last XX/XX/2022 they sent me a letter asking to provide my full SSN, I have provided the last 4 digit of it but they are now asking for a copy of my Social Security Card. They are not taking action with regards to my dispute letters instead they are delaying the process and does not do anything. I am attaching my Proof of Address here because they are asking for it but I wont provide my full SSN because they already have my ID and all of the information they need to verify that it is me.
Consumer complaint received 2022-07-13
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: DISCOVER BANK (MO)

I noticed that Discover was listed on my credit report but I did not authorize them to pull my credit that I recall. So, in XX/XX/2022, I requested the application to be sent to me. 

On XX/XX/2022, Discover responded by saying that the inquiry was the result of a fraudulent application and that it would be removed at once. 

Under the ECOA 12 CFR 1002.12 ( b ), records must be maintained for at least 25 months from the date of inquiry and Discover either removed this record, or destroyed the application. 

I was denied the opportunity to take this matter beyond a simple request because I have no idea what this means. So I followed up with the CEO on XX/XX/2022 seeking relief and I have not received any response.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (GA)

On XX/XX/2022, I was logged out of my device 's " Current '' app. I tried logging back in using the phone number and received a code instantly after entering my phone number. However, the app refused to identify the code. It kept yielding an error " The verification code looks wrong. Try again. '' I hit " Resend '' for another verification code and receive a new one, but the app still refuses to identify the codes.

I file a complaint hoping for a response within 24hours ( as mentioned on your website ) but didn't receive a response at all until XXXX XX/XX/2022. At this point, I uninstall the app and reinstall it on my phone but kept receiving the same error. I even tried logging in from another device but that also didn't work. The only update I received on XXXX was that the issue will be raised to the technical team for review. 

As of XXXX XX/XX/2022, the one representative that reached out mentioned that I should try logging in with another device. I have heard back a total of 3 times from the " Current '' support team within 7 days. I asked them to provide me a phone number so that I can talk to a representative but they still haven't got back. Since I can not access my account I can not access funds amounting to XXXX $ that I urgently need. Neither am I able to use my own funds nor am I able to get in touch with someone who can actually help me solve this issue. I dont even have a way to make sure all my funds are intact and there havent been any fraud transactions on the account. I havent done any transactions myself so Im hoping all my my funds are still in place.
Consumer complaint received 2022-11-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-22
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: ENOVA INTERNATIONAL, INC. (TN)

NC Financial/Net Credit placed an inquiry on my XXXX credit report on XX/XX/2022 that I did not authorize. On XX/XX/2022 this company placed a new account on my credit for {$10000.00} that I did not authorize or initiate. I have not received any correspondence in the mail, a payment or by email from this company. I have made several attempts to call this company but can not get through to a representative. The company has called me several times to collect the debt and after I explain the loan does not belong to me, the call hangs up. I have filed a report through my police department. A dispute has been filed through XXXX, but they closed the account and said the debt remains. Again, I did not authorize this loan and never received any form of payment from this company. This company is fraudulent and my identity has been compromised. The companys mailing address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Contact ph XXXX
Consumer complaint received 2022-07-13
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00} EQUIFAX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CO)

I signed up with XXXX  to help my business get referrals from clients. They also provided me a merchant services processing company : XXXX aka XXXX  aka XXXX. 

After a year, at the end of my contract, I asked to cancel my account which I did in XX/XX/XXXX. 

I sent the credit card processing machine back to XXXX. / XXXX. I never used the credit card processing machine. 

XXXX continued to charge me for credit card processing for two years after I cancelled my account with them. 

They billed me XXXX from XX/XX/XXXX through XXXX, XXXX. Then they raised the debit to XXXX on XX/XX/XXXX and again debited my account in XXXX in the amount of {$220.00}. At this point I went to work trying to discover who it was that was charging my account without any phone number or business name on these charges. 

My bank couldn't even see who it was. 

I had to get my bank manager to call XXXX XXXX and it was then we discovered who it was XXXX  aka XXXX  XXXX aka XXXX. 

I called several people including managers at XXXX. They did refund {$230.00} but refused to refund anything further. These people were rude, talked over me and refused to refund the entire amount. 

I did call them in XXXX to notify them I was closing the account. They however refused to close it. Continuing to charge me until XXXX when I put a stop payment on my bank account. 

I have had to close this account, so they will need to refund via bank check not a debit. I am sure you understand why. 

I am a life coach. I run a very small business. {$1400.00} is a lot of money to me. Big corporations should not be allowed to run ruckshod over small companies.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

Your letter is well-articulated and highlights your concerns clearly. However, to ensure a more professional tone, I would suggest a few revisions : -- - **Subject : Urgent Request to Address Credit Score Discrepancy** To Whom It May Concern, I am writing to bring to your immediate attention a concerning discrepancy in my credit score as reported by Experian. Despite identical information being provided to all major credit reporting agencies, my Experian score is significantly lower than those reported by other bureaus. This discrepancy is troubling and raises concerns regarding the accuracy and fairness of the scoring process. 

Attached, you will find documentation of my credit scores for your review. The consistency in my credit information across all bureaus makes it evident that the lower score from Experian is not justified. I am particularly concerned that this discrepancy may be influenced by factors such as my race and gender, which, if true, would be a serious violation of my rights as a consumer.

I kindly request that you immediately address this issue by thoroughly investigating and correcting my credit score. It is essential that Experian applies my complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) accurately and upholds its responsibility to provide fair and accurate credit assessments. 

I expect a prompt resolution to this matter and anticipate that my credit score will be adjusted accordingly. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (ND)

Upgrade, Inc states they report to all three major credit bureaus on the last day of the month. I made a large principal payment to a loan on XX/XX/XXXX. XXXX states my balance was last reported on XX/XX/XXXX, but it does not reflect that payment. XXXX states they have not reported since XX/XX/XXXX. There is no consistency to this reporting and a month later I am still waiting for them to report the accurate balance. They state this was reported on XX/XX/XXXX, but they also state they are unable to provide written confirmation to me showing that.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Experian : Opened an Experian online account about a month ago to manage a security freeze I placed on my credit account in XXXX. 
When I attempted to thaw the freeze online, I was asked by Experian to submit the request via ground mail using a paper form along with identity-related documents. The requested form and proof of identity documents were delivered to Experian on XX/XX/XXXX, as confirmed by USPS tracking system. 
Since Experian did not notify me via e-mail on the status of the temporary freeze removal request, I decided to login to my account to look for information online. As several attempts to login failed, I asked the site to e-mail my username, and provided my SS number along with my email address when prompted. The reply e-mail I received from Experian was very surprising. It stated that my username was forwarded to a XXXX email account, but I never had a XXXX email account! 
If my SS number is associated with an email address that I am totally unaware of, it is apparent that my identity has been compromised. What steps can I take now to resolve the issue since I can not reach Experian by phone or through their portal? 

XXXX : Opened an XXXX online account about a month ago to manage a security freeze I placed on my credit account in XXXX. 
When I attempted to thaw the freeze online, I was asked by XXXX to submit the request via ground mail using a paper form along with identity-related documents ( similar to what Experian did ). The requested form and proof of identity documents were delivered to Experian on XX/XX/XXXX, as confirmed by USPS tracking system. 
When I attempt to login to my account or try to call XXXX to inquire about my request to thaw the freeze, I get the message that my request can not be processed at the moment, with no further explanation. Several attempts per day to contact XXXX online and by phone have been made since XX/XX/XXXX to no avail. The company has effectively locked me out of my account! I am not sure how and where to go to reestablish my identity and credit account.
Consumer complaint received 2022-12-16
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. (AZ)

NOTICE AND DEMAND this account is a XXXX XXXX account I am the member agent for signing this information is been reported erroneously and needs to be deleted this may cause a repairable damage and needs to be deleted before were on the 30th day upon investigation
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (AR)

On or about XX/XX/2022 Regions Bank allowed scammers to make 3 withdrawals from our business account totaling {$120000.00}. Before the withdrawals were completed Regions Bank called me on the phone to alert me that some fraudulent activity was in progress. I immediately let Regions know that I was not in the process of doing any withdrawals at that time. I went to the local bank within 10 minutes. However, Regions allowed the funds to leave my account. It's been about a month and Regions has not returned the money. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have bounced checks and are in need of the funds to meet payroll.
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: EQUIFAX, INC. (GA)

Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Re : letter to remove inaccurate credit information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : 1. the last reported date of XXXX is incorrect and does not meet FCRA . Please immediately delete credit collection services 2. the last reported date of XX/XX/2023 is incorrect and does not meet FCRA . Please immediately credit collection services original creditor XXXX XXXX 
3. The last active date is incorrect and does not meet FCC RA. Please immediately delete account number XXXX XXXX credit collection services original creditor XXXX XXXX 4. the balance reporting {$34000.00} is incorrect and does not meet FCRA . Please immediately delete account number XXXX XXXX XXXX XXXX XXXX 
5. High credit amount {$89000.00} is incorrect and does not meet FCRA. Please immediately delete account number XXXX XXXX XXXX XXXX XXXX 
6. Number of months or terms is incorrect and does not meet FCR A period please delete account number XXXX XXXX XXXX last reported date is incorrect and does not meet FCR A period please immediately delete XXXX  account number XXXX You have 30 days from the date you receive this letter to provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report and update accounts to the positive. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2022-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (VA)

XX/XX/XXXX met with XXXX XXXX XXXX Rep XXXX XXXX to wrap up my contract on solar panels. When the contract was signed I was told that the loan from what is now Goodleap would not start until the project was complete. In XXXX of XXXX I received a call from XXXX XXXX XXXX Customer Service wanting to do a final walk through so they could get paid, I told them at that time the project wasn't complete and never agreed it was. Although I told them the project wasn't complete my payments began, I was told by XXXX XXXX XXXX that they would cover my payments until the project was complete, as of today the project is still not complete and XXXX XXXX XXXX has never paid a XXXX. I told the Goodleap representative on numerous occasions that the project was not compete and that I should not be making payment according to my contract, she told me that wasn't their fault. {$91000.00} was them amount of the loan for a product that still doesn't perform as we were told it would by XXXX XXXX XXXX XXXX Representative XXXX XXXX. I have hundreds of emails, text and documentation to back up all the issues we've had. Part of the contract was that a bulk payment of over {$20000.00} would be paid by a federal government refund for getting the solar panels according to XXXX, I told him over and over again we had not tax liability and that we would not receive this but he insisted that we would. This month XX/XX/XXXX my payment will got from {$320.00} to {$440.00} and I still have an electric bill to pay. These panels were suppose to XXXX out my electric bill according to XXXX XXXX but hasn't even come close. After the payments started could no longer get in touch with XXXX XXXX quit answering my calls and text. Filed with XXXX and XXXX XXXX from XXXX XXXX XXXX was assigned to my case. My last contact with her in XX/XX/XXXX was that the company was going to reimburse me for all damages to my home, all payments that had been made on the loan and add more panels to correct the problem. Now the are out of business so I have a product that doesn't perform as we were promised it would and they also replaced my roof and this week I discovered a leak which I will now have to deal with, suppose to be under warranty with them?
Consumer complaint received 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (MI)

I applied for a loan through Chase bank and I was denied an extension of my own credit they failed to uphold a fiduciary obligation.As well as the car dealership. They violated 15 USC 1605 truth in lending at determination of finance charge. As well as 15 US C 1611 criminal liability for willfully and knowingly giving me false information. Why because its public information and if its public information that means they should know it and theres no excuse to break that law I plan to speak with them this morning to resolve this issue.As the trustee hopefully they do right by me the beneficiary.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

At the end of XXXX I was made aware of some inaccurate information on my credit report due to Identity Theft. I filed a FTC Complaint and Police Report around XX/XX/XXXX. I sent these to the Credit Bureaus to remove the related information. After multiple phone conversation and filing of complaints the Bureaus removed multiple incorrect addresses, names, and inquiries from my report. Include in the FTC Complaint was a Collections for XXXX ( XXXX XXXX XXXX  ), they company stated the information was accurate and did not remove it. I have followed up with multiple letters and calls asking them to provide me with information that was used to verify the account. They are refusing to provide me with that information. I've attached a copy of the letter I sent them on XX/XX/XXXX, I have certified tracking showing they received it XX/XX/XXXX. Before filing this complaint I talk with a supervisor in their Fraud Department and he refused to furnish any other details.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named LexisNexis. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (KS)

Navy Federal Credit Union has removed and blocked my access to the closed credit card in my name. They have blocked/removed my access to see statements and transactions, regardless of the balance due, and refuse to provide access to statements in order to use them as proof of unauthorized activity or to dispute charges. All statements prior to XX/XX/2021 are deleted.