davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXI Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NC)

What happened? 
I believe that Wells Fargo ( Visa-Signature Card ) is a collaborator in allowing fraud to be perpetrated on client Credit Card Accounts. They ( Wells Fargo Bank ) continue to allow ongoing fraud it so that they can collect their fees on the transaction and allow fraud to continue, to the loss of their customers. On XX/XX/2023 my wife and I contacted " get a room - Booking.com '' to make a XXXX day reservation at hotel in XXXX, XXXX. The vender informed us that the room would be {$1000.00} and once booked the funds were not refundable. Being " non-refundable '' was not an issue for us as we were going to be there at the appointed time. We agreed to that price, provided the vender our credit card info, and the vender then confirmed the reservation had been made and my credit card was debited for {$1500.00}. What? They added on {$510.00} for " taxes and fees '' without breaking down what amount was taxes and what amount were fees in addition to my not agreeing to that price. The final debit amount was never disclosed in the conversation until she said it was too late to cancel. ( red flag-one ) I asked that she reverse the reservation as she did not have my permission to debit that amount. I did not authorize that amount. She said that she could not reverse the reservation once made. ( red flag-two ) I asked to speak with her supervisor. I was informed that there was no one to speak to. ( red flag-three ) She asked me several times if I wanted to cancel the reservation, by saying " XXXX or XXXX! '' I answered by saying " Yes I want to cancel the reservation that I did not authorize. '' I filed a complaint a couple of days later with Wells Fargo and this has been going back and forth for several months now. I recently received a communication from Wells Fargo Bank stating " After further review of your dispute claim for the XXXX charge on XX/XX/2023, from XXXX, we confirm that it was handled appropriately '' WHAT? This is clearly a " bait and switch '' tactic, unscrupulous, illegal and fraudulent in my opinion. I am disgusted by the actions taken by this institution!
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

My identification was stolen and someone used it without my permission. The bank sent the updated XXXX to an unfamiliar person with a different address and phone number. At first, I was unaware that my credit card had been stolen and only realized it when I noticed a drop in my credit score and called the bank. However, the bank 's phone line would disconnect automatically all the time, and everyone kept transferring me to different departments. I spent four hours being transferred from customer service to the security department to the fraud department and so on. Finally, the bank gave me an investigation number and said someone would call me back, but no one did. 
Months later, the bank 's collection department called me for payment. I explained the situation to them, but they referred me back to the customer service department, who said my account had been closed and they could not help me. A month later, the collection department called again, asking why I had not made a payment. I had to repeat what had happened, and they said they would send me a statement and asked me to highlight which transactions were not mine and mail it back to them. They said I would receive the statement in XXXX business days, but I waited for XXXX days and did not receive it. The following month, the bank called me again for payment, and I had to explain the situation again. 

Having my credit card stolen was already frustrating, and the fact that the bank was not helpful made it worse. I thought my account activities were recorded in their system, and the previous conversations with the bank were also recorded, but every time their phone line disconnected or they transferred me to different departments, it made me feel that they were not professional. 

Another couple months later, I received a letter from the investigation team regarding they have completed their investigation and have determined the activity is valid. But I received the phone call from collection agency regarding my balance, they said they received the letter from you guys on XX/XX/2023, and my balance is {$2000.00}, which means Barclays did not credit back my credit to my account. I called the bank, but investigation team has no record about this letter in their system, and it is so unprofessional. 

From XXXX to XXXX, I had already wasted so many months being investigated by this bank, and I got so many phone calls from the collection agency.
Consumer complaint received 2023-07-06
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (MO)

1st call made in XXXX XXXX XXXX and was unable to get a representative on the line. So I decided to call back in XX/XX/XXXX and was able to get a representative and decided to get on a payment plan for a settlement amount of {$2300.00} I made 1  payment on the plan and life hit me. I was unable to make the payments. XX/XX/XXXX I decided to pull a soft pull on my credit and seen Net Credit is still reporting XXXX late on my credit for the last 29 months. The account has not closed or went into charge off status it is still reporting open each month. I called and got this information. I got the loan in XX/XX/XXXX for {$2200.00} I made 16 successful payments in the amount of {$130.00} which is {$2100.00}. I currently owe {$5000.00} and they were really to settle for {$2000.00}. This is predatory lending because I owe {$58.00} from the amount paid and the amount borrowed. the rep said I had {$2400.00} in interest, {$2000.00} in fees, {$150.00} in late fees, and {$58.00} in return bank fees. I offered to settle the account for {$1500.00} and realized that was too much because I already paid off the loan besides {$58.00} and thats all i should be paying for the bank fees and late fees. which is {$260.00}. they will not accept my offer or stop reporting negatively on my credit report. i am trying to buy a house and refinance my car for a lower interest rate and this has been stopping me for the past 2 years. they will not do anything to remove, or stop this damage on my credit report and they are trying to take more money from me.
Consumer complaint received 2023-07-06
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Strategic Alliances, Inc. (OK)

-I paid this debt on XX/XX/2020 to XXXX XXXX XXXX XXXX . 
-I provided documentation to this debtor with copy of the transaction from my credit card. 
-They passed this debt continues to be passed on to different companies even though it was been paid out.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-07
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: JPMORGAN CHASE & CO. (IL)

Long time ago I would made a lot disputes with my credit card. Chase Bank employee who was female years ago made a verbal threat that my account would be closed because the amount disputes I made. 

Since then I had noticed chase bank has been aggressive with me when filling dispute in which they force you on not disputing by stating you have no " dispute rights. '' I had multiple times called and always obtained the same answer that wouldn't dispute against the merchant. 

Today I reached out chase to dispute about a chain that became discolored and food that wrong given to me. 

The first agent was attempting to proceed it but the system made her reach the dispute department for both. 

Again I knew they were going to say no so I was transferred to disputed department. At first the employee accepted to dispute the first item which was the gold chain which I didn't contact the customer who is in different country. Meanwhile for the food she wouldn't the dispute because " charge was valid. '' In other words I stated you can go to home Depot and buy a washer machine and it's broken and you can't get your money back. She didn't like my response. 

I confronted that the first colleague was going to dispute but your not doing so and she stated well I have training. I asked what training did you receive that she didn't? I asked what department is this and is like a high risk department? She didn't like the fact I was asking questions and made sarcastic remarks. 

I asked for documentation for the banks policy on regulation e for dispute and was told to XXXX it. 

At the end of the conversation she didn't dispute the gold chain while contradicting herself when she said yes at first. She then shuts the phone on my face which was not professional on behalf of chase bank.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a letter from XXXX XXXX informing me that I had a credit card. At the time I did not question the legal ramifications behind it. I later found out that I was not the person who applied for the credit card. After some investigating I discovered it was my niece who applied for the card. I tried to inform the company but they told me I was responsible for these charges. I have applied for credit cards in the past and have always been denied. The only reason that this application was approved is that my niece used her job as proof of income. I have never lived at the address the credit card was originally sent. Nor have I ever worked at Understanding XXXX XXXX or XXXX XXXX. Now Portfolio Recovery is trying to collect on this fraudulent debt.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-11-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Ocwen has increased my payment monthly and will not give me an answer why. I keep getting notices from them monthly that I am behind in my payments. I have all the bank statements that prove I was NEVER delinquent in ANY of my payments. I refinanced my home ( apparently through them ). I am not sure. I have NEVER had a problem with my mortgage ( paid on time ). I am on XXXX and collect only {$1200.00} per month. My mortgage payment went from {$760.00} to over ( what I believe to be XXXX almost {$900.00}. I keep getting letters from them every month in regards to possible foreclosure and when I call them, they tell me my equity is in arrears. I've had this mortgage for 11 years and it never increased. I can not afford to lose my house that my late husband bought for us. As I said, I am on XXXX and can NOT afford this increase. PLEASE let me know what I can do, I am scared. 

XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monarch Recovery Holdings, Inc. (OK)

Monarch Recover Management Inc. 

This company sold a debt I paid. I provided the proof that I paid this and they did not close it. Instead, they sold the debt to another company. I provided proof on XX/XX/2022 that I paid {$760.00} for account XXXX. 
I included copy of the transaction from my credit card and letter.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-06
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. (TX)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2023-07-06
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. (PA)

I, XXXX XXXX , am verifying that I XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (CO)

Hi, I see a XXXX XXXXXXXX account was opened in XXXX XXXX Texas under my name. It was sent to Credit Systems INTL collections for the amount of {$190.00}. 

I did not open that account. I live in XXXX
Consumer complaint received 2023-07-06
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)

Equifax portal to log into personal account to check status does not allow for login or creation of account for personal use, access to credit reports. I have requested this air in their system be corrected on multiple occasions over multiple months with no results always ending with the same closing of the complaint and requesting identification documents emailed. Documents were mailed mini months ago and confirmed by Equifax as being received and legible, no effect on updating my account problems. In the past I was able to log into my previously created account which they said they had to delete and start over again to fix the problem. They attempted to complete the registration process on their end for me and failed, escalating to the next investigation team. Currently if I try to login to my Equifax account, I get an error that I'm entering the wrong password. If I do a password help reset, the air says the account does not exist. If I try to open a new account it says the account already exists and I should login. This is an endless loop of nowhere and they've received all information required by me long ago. Then simply request it again and close my case. To square one with nothing functioning correctly for a year now.