davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-30
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. (NC)

On XX/XX/2023 I decided to view my Equifax credit file, and while viewing my file I noticed that Equifax had been reporting an account which I have no knowledge of : Name : XXXX XXXX Account XXXX  : XXXX After noticing this account I decided to mail out a certified letter to Equifax on XX/XX/2023 requesting that they look into this matter by investigating and verifying the accuracy of it. On XX/XX/2023 I received a letter from Equifax claiming that they verified the account and the information is accurate. Equifax also sent a paper that looks like a billing statement from XXXX XXXX. After giving Equifax 10 more days to provide me with some type of document linking this account to me, I decided to send another certified letter. On XX/XX/2023 I sent out a certified letter to Equifax to let them no that the reporting of this item on my credit file is extremely concerning, and I gave them another 15 days to provide me with there METHOD OF VERIFICATION. In this letter I also requested the name, address, and telephone number of each person contacted regarding this alleged account as well as a copy of any documents provided bearing my signed signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. On XX/XX/2023 I received a letter from Equifax claiming that they verified the account to be accurate. In this letter Equifax still failed to provide me with there method of verification, the name, address, and telephone number of each person contacted regarding this alleged account as well as a copy of any documents provided bearing my signed signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Instead, they sent me the same billing statement they sent to me back on XX/XX/2023. On XX/XX/2023 I sent out another certified letter letting Equifax know that they have failed to provide me with any of the documents that I requested. I still have not seen any document bearing my signed signature. I also let Equifax know that they have violated 15 US CODE 1681e ( b ) by not providing me with MAXIMUM ACCURACY and 15 US CODE 1681i ( 7 ) by not properly investigating within the 15-day timeframe. I also informed them that this account which they have failed to validate must be removed immediately. On XX/XX/2023 Equifax mailed me out the same billing statement for the 3rd time instead of removing the account which they can not validate.
Consumer complaint received 2023-06-30
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 sent a dispute by certfied mail to Experian, and XXXX XXXX. The dispute of illegal late payments reporting to Experian. The certified letter sent on XX/XX/2023 to Experian and XXXX XXXX. XXXX responded back with a credit report stating that it was the result of the investigation, report was dated XX/XX/2023. 

Experian received its letter of dispute on XX/XX/2023 which was five days after being sent by certified mail on XX/XX/2023. In my request for a re investigation of the late payments, also inaccurate information being reported. They sent a Experian report, advising that the results had been completed. 

Experian,. never did thier due diligence in ensurig that the investigation had been conducted. Therefore, XXXX XXXX had not even did a investigation into my complaint whjich is a violation of ny federal rights under the FCRA 15 USC 1681i. ( a ) ( 1 ). In accordance with federal law my rights has been violated under FCRA 15 USC 1681i ( a ) Reinvestigations of Disputed Information. 
( 1 ) Reinvestigation Required : ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumerand the consumer notifies notifies the agency directly. 

I never received any results from XXXX XXXX of my dispute. Also, I never received any results within the ( 30 ) days mandated by federal law. The dispute was sent on XX/XX/2023. XXXX XXXX stated that they had not got my dispute of XX/XX/2023. I then conducted research of tracking by XXXX. I found out that XXXX XXXX received my certified letter on XX/XX/XXXX, @ XXXX. 

As, of the date of receiving my letter of dispute. I have not received any response of the ( XXXX ) days mandate by federal law. Therefore, my rights again have beeen violated under FCRA 15USC1681n- Civil Liability for willful noncompliance : Any person who obtains a consumer report from aconsumer reporting agency undr false pretenses or knowingly without a permissible purpose shall shall be liabile to the consumer reporting agency for actual damages sustained by the consumer agency or {$1000.00} whichever is greater.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Acceptance Corp (OR)

My ex-husband XXXX opened an account with Merchant acceptance her and her boyfriend at the time worked for this company her father and I went through a nasty XXXX and was made to leave my premises and as a retaliation she went and opened an account and made me co-signer without my permission I file a police report in XXXX of XXXX Ive tried several attempts to make the merchant remove this account from my credit and all I get is disrespectful comments trying to force me to pay for an item I dont have or never signed up for every year I have tried to file a dispute and they always ignore it and keeps it open when it was opened and closed in XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2023-06-30
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: CITIBANK, N.A. (AZ)

Someone stole my credit card information and used it to make two large purchases out of state where I've never traveled to. I disputed the charges immediately and was assured that I would be credited and sent a new card. 

It's been two weeks and one of the charges remains on my account. I've been on hold today for a total of 2 hours, transferred 7 times and hung up on by three separate representatives. 

The call centers I am being transferred to have employees that talk over me and don't understand what I'm saying. The last person I was transferred to said that one of the charges I disputed was denied. 

No one will help me and I'm being charged for purchases I never made. It's extremely frustrating.
Consumer complaint received 2023-06-30
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. (MD)

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 XXXX Account number:XXXX Account name : XXXX/XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX/XXXX Account number:XXXX Account name : XXXX XXXX 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 2023-06-29
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I ask Portfolio Recovery Associates to validate a debt that I supposed to own. They never did. I mailed a letter out certified onXX/XX/2023. it is now XX/XX/2023 and I never received anything in the mail. They are still trying to collect on this debt, without providing any validation.
Consumer complaint received 2023-06-29
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 have tried to get the credit bureaus to remove The XXXX XXXX Bank. I have no clue who this belongs to. I have never received any mail or anything from them and the credit reporting agency protects them. They treat me like Im lying, because they always protect them to remain on my credit report. Ive tried time and time again to get it removed. There was never any purchase or anything so I dont understand why they are determined to keep fraud credit off peoples reports. But instead they only listen to the business not the consumer.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (FL)

I suffered a total loss on my primary residence due to XXXX XXXX. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car XXXX I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of XXXX and the lack of regulation by the government.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX, operated by synchrony bank, sends payment confirmations to their users, then their system rejects the attempted payment and they did not properly inform me that they attempted payment did not go through. Then when you call them about the issue, their agents lie to you about removing inaccurate charges on your account.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-06-29
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00} 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 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

I've tried multiple times since XX/XX/2019 to have my credit reports pulled by XXXX XXXX. They are attempting to do a 3-bureau pull, and resulting with no scores due to the fact that one of my reports is frozen. I believe my Experian report is frozen despite my repeated thaw requests. Both of the other credit bureaus report my status as not being frozen on their websites. The websites are well designed, user friendly, and informative, as I would expect from a company of this importance. Experian 's website does not offer the ability to query status of report availability, only the option to " freeze '' or " unfreeze ''. I have emails from Experian stating that my report has been requested to be unfrozen, but no real confirmation online. It's been five days. 

The complaint : The worst part of all this? There seems to be no possible way to talk with a human at Experian. All of their phone numbers are endless loops of automated prompts to information that can't help me. Every combination of answers leads to a dead end, with no ability to speak with a representative. Further, there seems to be no email address that I can find on the site for customer support. And there of course is no online chat capability. 

Am I missing something? This company has been entrusted with our most valuable personal information, and they are both unreachable and unaccountable. Can someone please help me simply contact a representative of this company?
Consumer complaint received 2019-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (OH)

To Whom It May Concern, I am writing to you for assistance. I am Chase Bank customer. In XX/XX/XXXX, I was charged a total of {$1500.00} in NSF/overdraft fees. In XX/XX/XXXX, I was charged {$1100.00} in NSF/overdraft fees. In XX/XX/XXXX, I was charged {$1900.00}. In NSF/overdraft fees. In XX/XX/XXXX, I was charged {$2600.00} in NSF/overdraft fees. It goes back further, but these are the numbers I have. The bank had reversed a few fees through out each year as a courtesy. I have been charged numerous {$34.00} fees for {$15.00} and under charges. I have reached out to Chase several times online and within local branches requesting help. I feel strongly there should be a cap on what can be charged in a year and if a purchase is {$15.00} and under, a fee should be waived. This has been a snowball effect on us. Once we are behind, we cant get caught up. We need help. We are beginning each pay check behind. I am looking for the total of {$200.00} fees charged this current month of XX/XX/XXXX reversed and not effect the courtesy waivers of 3 per year. Hopefully, if we start the year whole, we can avoid running into this ongoing problem in the future. This has to stop. We have paid Chase {$7400.00} within 4 years! Thats a ton of money that we dont have. I dont know what can be done in reversing more from past years, but Please help us!!! I greatly appreciate your time in this matter!
Consumer complaint received 2023-06-29
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-29
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX. Please repair and update ASAP.
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/19 requested that an executive member of management ( CEO, COO, CFO, Director, underwriting executive management, etc. ) calls me back directly. The message specifically stated not to have an analyst that handles escalations or a manger of an executive escalations analyst to call me. On XX/XX/19, an escalations analyst called me, in which I refused to continue the conversation. I have attempted numerous times to resolve this issue with an escalations analyst and management of escalations and as of XX/XX/19 still do not have any resolution to the issue. In addition to the horrible customer service experiences with Capital One, there seems to be a major training issue. While asking the same question to different Capital One reps, all have provided a different answer in regards to same question at hand.
Consumer complaint received 2023-06-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SoLo Funds Inc. (RI)

I took out a payday loan with Solo Funds in 2020 for {$120.00}. For some reason my repayment did not go through on the due date. Solo funds reached out to me via email and I responded advising the could repay my account using my debit card on file, and we agreed to a certain date. Maybe there was something lost in translation but the repayment either didnt go through or was never attempted. I randomly got a phone call from a XXXX XXXX XXXX stating that I owed Solofunds over {$1900.00} and that I needed to set up an arrangement to avoid being sued. I was confused as I knew my loan amount was for only {$120.00}. I set up an arrangement with them and reached out to Solofunds to clarify. When I spoke with Solofunds they stated that I could settle with them for {$140.00} and to disregard collection efforts. I paid this account a few days later and solofunds confirm that payment was received. I canceled my card with XXXXXXXX XXXX XXXX. Today I received a call from XXXX XXXXXXXX XXXX. The representative was very aggressive and told me I should not in any way have paid Solofunds because they now owned the debt. I asked for verification of the debt and they sent me a letter with no bill of sale or anything. I immediately said that I would be seeking legal counsel and she ended the phone call by saying I will send this over to the court. I think they are fraudulently collecting debts.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal has been unprofessional at best. I resolved my debt with them through a debt settlement company. Navy Federal then agreed to remove themselves from my credit report only for me to discover this was a lie. Anytime I dispute the matter they tank my credit score. Much like they did yet again this week for XXXX points