davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am filing this complaint to ensure that the credit bureaus conduct a thorough investigation and promptly remove fraudulent accounts that were opened in my name without my consent. These accounts, confirmed as fraudulent under FTC Report XXXX XXXX, continue to be inaccurately reported on my credit file, despite my repeated requests for their deletion. 

I have formally notified the credit bureaus ( Equifax, XXXX, and XXXX ) and provided the necessary documentation, but they have not fulfilled their obligation to remove these accounts as required by the Fair Credit Reporting Act ( FCRA ). Given the known issues with credit bureaus often disregarding disputes unless sent via certified mail, I am filing this CFPB complaint to ensure a fair and lawful resolution. 

Fraudulent Accounts : XXXX XXXX XXXX, Account Number : XXXX, Balance Owed : {$290.00} XXXX Consumer, Account Number : XXXX, Balance Owed : {$23000.00} XXXX XXXX XXXX, Account Number : XXXX, Balance Owed : {$6400.00} XXXX  XXXX XXXX, Account Number : XXXX, Balance Owed : {$2900.00} I am requesting CFPBs intervention to ensure that the credit bureaus comply with FCRA guidelines and remove these fraudulent accounts from my credit report, safeguarding my creditworthiness and financial integrity.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to formally challenge the validity of an account reported by XXXX, which I have never entered into a contractual agreement to pay. I have not agreed to any terms or obligations associated with this alleged debt. It appears that XXXX may have purchased this debt from a creditor, and I am requesting proof that they have the legal right to collect on it. Specifically, I ask for : Documentation showing that I am legally bound to this debt, including a contract with the original creditor bearing my signature. 
A chain of custody, sales agreement, and any witness statements demonstrating the proper transfer of this debt from the original creditor to XXXX for {$890.00}. 
Without this documentation, the account lacks legal validity and should not be considered collectible. I also request that all collection activities cease immediately and that the account be removed from my credit reports pending this review. Reporting this account without proper legal validation is unlawful. 

Please note that I will not accept mere transaction records as sufficient evidence of an agreement. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I was shocked to see inaccurate accounts pop up on my credit report this morning, and I have no idea how they got there. I check my report regularly, and everything has been fine until today when these unexpected discrepancies appeared. I even refreshed my browser hoping it was just a glitch, but it wasnt. The incorrect accounts stayed. Now, Im asking that the documents Ive provided be reviewed carefully so I can finally stop worrying about this.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Ive Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. I was told that a letter of deletion would be sent to this company and be resolved immediately 60 days but its still showing on my credit profile. For accounts Company Name : PORTFOLIO RECOV ASSOC Account number : XXXX has 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
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX XXXX Amount : {$25000.00} Account number : XXXX Date opened : XX/XX/year> b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was completely shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I routinely check my credit report, and everything was fine before, but suddenly, these discrepancies just appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors stayed. Im asking for a thorough review of the documents I sent so that I never have to worry about this happening again.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provid
e me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (IL)

I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. If you don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609. I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. I am excerising my right and choose to opt-out. I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DC)

Chase is not honoring an advertised promotional rate for its pay-over-time credit card feature, My Chase Plan. 

I have a Chase credit card. On XX/XX/2024, I saw an advertisement on chase.com for Chase cardholders. The advertisement offered " {$0.00} plan fees when you set up your first My Chase Plan by XX/XX/2024. '' ( I have not previously had a My Chase Plan. ) The advertisement does not mention any other conditions of eligibility for this promotion. See attached screenshots of the advertisement. 

On XX/XX/2024, I logged into my chase.com account and attempted to set up a My Chase Plan for a particular transaction. While the website showed that the transaction was eligible for a My Chase Plan, it showed a {$32.00} monthly fee for a 6-month plan -- not the {$0.00} fee that was advertised. I called Chase customer service and asked them to apply the promotion over the phone ; however, the agent advised that they could not create a My Chase Plan by phone, it could only be done on the website. 

Consequently, I sent a secure message on my chase.com account asking them to create a My Chase Plan for the transaction that applied the {$0.00} promotional rate. I attached screenshots of the advertisement to my message. On XX/XX/2024, I received a secure message response, directing me to my chase.com account to create the My Chase Plan. The response did not address my request for the {$0.00} promotional rate. I checked in my chase.com account and saw that the promotional rate still was not being offered when I attempted to create a My Chase Plan. I responded to the secure message with that information and again asked Chase to honor the advertised rate. 

On XX/XX/2024, I received a secure message in response stating, " Many of our promotional offers are only available for a limited time and is ( sic ) a targeted offer. If you are unable to view XXXX XXXX  monthly fee, the offer is no longer available. '' Note that the advertisement on chase.com did not state that the promotional rate was a targeted offer or that there are any conditions of eligibility ( other than that it must be your first My Chase Plan -- which it is -- and that only certain transactions are eligible for a My Chase Plan -- which this transaction is ). Subsequently, I created a My Chase Plan in my account, with a {$32.00} monthly fee for 6 months, or {$190.00} total fee for the plan.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section XXXX, the Bureau XXXX required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA XXXX Section XXXX is effective 30 days after the XXXX issues its final implementing regulations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX XXXX Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2024-02-09
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roosen, Varchetti & Olivier, PLLC (GA)

I received marketing mail from local attorneys that I needed to contact them because I had a garnishment. 

I read the submitted documents snd it stated on XX/XX/XXXX that I was notified of the garnishment judgment. I was not XXXX XXXX XXXX XXXX Case RVO Law XXXX representing The XXXX XXXX XXXX. 

also this debt is time barred it is not even listed on my credit report as a debt owed.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I called Citi Bank Card Customer Service to report a change of address. Their representative, XXXX, wanted to speak with the primary card holder, but that person is deceased, so XXXX immediately transferred my call to the Estate Department. XXXX, at this department, immediately canceled the card and said that I could apply for a card in my name. She transferred me to another person who took the information for another card. I was subsequently denied a new card in my name for no apparent reason. 

On XX/XX/XXXX I called Citi 's Customer Service to verify what was needed to redeem the points accrued on the closed credit card. XXXX, in the Probate Department, advised that I had year to redeem the points. On the same day I wrote to Citi 's Thank You Service Center, providing a Death Certificate and mailed the letter on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from Citibank, NA Customer Service stating that they, " are unable to approve this request because we did not receive the necessary information within one year of the cardmember 's passing ''. 

The points accrued on the account total {$380.00}. I have been an authorized user of this card since XXXX. My name is on the card. And, I earned the accrued points.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Friday, XX/XX/XXXX around XXXX  ( EST ) I received 3 missed calls from what my cell phone said was XXXX XXXX XXXXXXXX ( XXXX ) and I picked up one of the calls at XXXX. I do not unfortunately remember the gentlemans name but he formally said he was calling from XXXX XXXX XXXXXXXX and gave an ID number and said that someone had tried to open a bank account using my information, and it was flagged as suspicious because when they used my cell phone number to link a XXXX account, it saw I was already registered with XXXX through Huntington. He said I had to speak to their XXXX fraud department to get my account unlinked and decline the fraudulent charges they were trying to make. He gave me a case number before transferring me ( XXXX ). He then transferred me to a different gentleman and again, gave me some ID badge number and explained the situation again. He said I needed to go to my XXXX account and follow these steps in order for them ( XXXX ) to cancel these fraudulent pending charges. He walked me through steps of adding a recipient contact in my XXXX ( phone number XXXX ) and it came up with a name of XXXX XXXX. He told me that is their head of department who has to approve the void holds. He then had me write specific notes in the memo section stating : VOID {$990.00} XXXX XXXX. Now clearly looking back, I see the case number and phone number match but in the moment I did not notice that. He then said when it popped up with the amount of money to enter XXXX well when I did that, it kept giving me an error saying increments had to be at least {$1.00}. So then he said okay well lets try this code number of XXXX, which entered as {$440.00} and I asked multiple times if this was going to take money from my account and he said no, it would result as void charge. Which clearly it did not. He then tried to get me to do it 2 more times, but I then caught on that something didnt feel right so I hung up. While I was on the phone the whole time I even XXXX searched the XXXX XXXX XXXXXXXX phone number and it matched the same number on my phone that I had received and took, so I assumed it was real. After I hung up, I did receive multiple calls from a different number ( XXXX ( XXXX ) XXXX ) but I never answered any. I quickly called Huntington Bank ( number on the back of my debit card ) to file a fraudulent charge of the {$440.00} that was taken. And they filed a complaint and gave me a case number.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Filed Disputes : XXXX, XXXX, XXXX - Telephonic Disputes, Written Disputes - Electronic Disputes Inaccurate Balance / Inaccurate Late Payments Credit Acceptance not given authority to submit any personal information regarding any history without my consent. 

15 USC 6802
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OR)

I have already contacted Nelnet. They say that in XX/XX/2023, the government put in " suppression '' so they can not update credit reports at all. My transfer of the entire balance to XXXX took place in XX/XX/2023. Nelnet says to file a complaint with StudentAid.gov. I did that today also. Nelnet says it is impossible for them to update the 3 credit reporting agencies that my balance is XXXX. XXXX Nelnet shows a balance of XXXX. It is affecting my credit rating. My credit reports all show that I owe Nelnet this amount of money, when in fact I do not. I have worked in public service for 10 years and much of my student loans held by XXXX has been forgiven. I only owe XXXX XXXX. I owe Nelnet XXXX.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MO)

Between XXXX XXXX I had a purchaser send {$500.00} through PayPal for a purchase. Once she did that PayPal said I didn't have a business account so she would have to send an addtional {$400.00} and then it would be refunded to her when the transaction was completed. She did that. I then got an email to go into my account and set up the {$400.00} refund. I tried for over one and a half hours and it would never go through. So they then told me I would have to get an XXXXXXXX XXXX  card for {$400.00} and send them the info on it then the funds would be released to both of us. My original {$500.00} and her overpayment of {$400.00}. So I made a special trip into town ( we live in the country ) and purchased the gift card and sent the requested info. Then they emailed me and said I needed to purchase an additional gift card for {$300.00} for Certification Fees. So I made another special trip into town for another gift card. Sent them the info on it. Then I get an email that : " We have gotten the certificate fee of {$300.00} you sent via XXXX XXXX  card but we are unable to separate the payments as they have been added to our database and all the funds are pending now and to be credited to your PayPal account, we can't proceed to release the funds with your initial pending payment of {$1600.00} USD. Once you make the payment of {$400.00} USD for VAT Charges by purchasing an XXXXXXXX XXXX  card worth {$400.00} your account will be credited. '' I returned an email requesting a refund to both the customer and myself as I did not have access to another {$400.00}. They refuse to refund and just keep telling me to purchase another {$400.00} XXXXXXXX XXXX  card and funds will be released. At this point it is now XXXX XXXX. 
All I want is my {$700.00} back that was paid in good faith and the customer to be refunded the {$900.00} she has paid. At his point PayPal as received {$1600.00} for a transaction that started out as {$500.00}. And will not refund any funds.