davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

Name of Creditor : XXXX, XXXX. 
Date of Inquiry : XX/XX/year> I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-16
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. (CA)

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.

The letters are stated with items and issues.

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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The FCRA prohibits inaccuracies on consumer report. The account balance on account # XXXX IS INACCURATE. The balance of the loan is XXXX on my consumer report its XXXX as shown in my documents. This should be removed for in accurate information on my consumer report as a consumer I have rights by law by the FCRA.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank is clearly a predatory lender and needs to put on notice. I opened a visa charge card account at the XXXX XXXX retail chain which is handled by Comenity Bank. I used the credit card to purchase an item at one of the store locations. 
I promptly paid off the account however, the bank statements were confusing and misleading. There were two different balances on the statement. I payed the amount that was indicating what seemed to be the total balance owed in an attempt to bring the balance to XXXX. On XX/XX/2023, I payed {$290.00} to bring this balance to XXXX. On XX/XX/2023, I receive a statement showing a balance of {$5.00} with an additional late fee of {$32.00}. I immediately contacted Commenity to dispute this reported balance and now trumped up late fee. I indicated that I paid the balance on the statement and that the balance should be XXXX. I explained to them why would I intentionally leave a {$5.00} amount due??? The banks statements are purposely misleading, confusing and unclear so that they can then churn customers with ambiguous and deceitful late fees etc. They would not remove the late fee and insisted that in order to close the account, I must pay the {$32.00} late fee and {$5.00} balance which I did over the phone. I wish to receive from Comenity Bank a refund for the {$32.00} late fee, I then continue to get statements from this bank indicating I have a {$.00} ( XXXX XXXX  ) credit on my account. I have made numerous calls to this bank indicating to close the account, wipe away the XXXX XXXX  credit and send me a letter indicating that this account have been completely closed with XXXX balance. I am continuing to receive statements indicating that this account is still active.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

So on or around about XX/XX/year> somebody applied for new credit under my name and Ive been trying to dispute this inquiry with the credit bureau equifax and theyre not being transperant or practicing under the fair credit reporting act I am a victim of identity theft and I keep stating to this creditors immediately so they can rectify the situation
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received an email stating that an XXXX XXXX was on its way in the mail. I did not apply for this credit card. I called XXXX right away and had this card shut down. The fraud department at XXXX has been alerted and they filed a report. Then I looked at the rest of my credit report on XXXX XXXX and noticed 2 hard inquiries that were not made by me that also brought my score down by at least 50 points. The first inquiry took place on XX/XX/XXXX and the second one ( for a capital one card for which I did not apply ) happened on XX/XX/XXXX. I have also been notified by my XXXX XXXX and XXXX XXXX cards that someone in California tried to use my information to purchase product at The XXXX XXXX and online at XXXX, purchases I did not authorize. Those purchases were fortunately caught and blocked by the credit card companies but I had to close my XXXX XXXX account and freeze my XXXX card.
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc (TX)

Dear Sir or Madam : I am a victim of identity theft. I learned my personal information was used to open an account at your company in XX/XX/2021. I have on numerous time disputed this infornation with the credit bureaus and time and time again you verify that this account is mine. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that POSSIBLE FINANCIAL INC absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and you are showing on my credit report this fraudulent item related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Thank you for your cooperation. Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

XX/XX/2023 Funds in my persnal account XXXX Chime bank put a hold on my funds no return or explanations they asking for an W9 for I don't have any business I'm looking for housing I am homeless so I'm saving for and apartment and the holding my funds
Consumer complaint received 2023-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

XXXX XXXX I received a phone call from a Kentucky phone number and turns out it was XXXX Collections. They informed me they were trying to collect a debt that was made XX/XX/XXXX in XXXX Tn made by a XXXX XXXX with birthdate of XX/XX/XXXX. They also tell me the name of the ambulance service ( XXXX XXXX XXXX and the hospital XXXX XXXX XXXX which this person was taken. I told them they had the wrong XXXX XXXX and I had never been in XXXX Tn and had no idea where it was. They then asked if my name was XXXX XXXX and if my birthdate was XX/XX/XXXX and I said yes. They then, very rudely, tell me they have the right person and I have to pay this debt. They would not listen to anything I had to say so I hang up. 

I go online looking for a phone number for the ambulance service but had no luck, so I look up a number for the hospital. Talked to a very nice lady, XXXX  XXXX. I explained the situation and she looks up if they had a patient on that date. They did have a patient brought in to ER with the name XXXX XXXX XXXX, birthdate XX/XX/XXXX, last XXXX of XXXX XXXX and her address was XXXX XXXX XXXX XXXX, XXXX Tn. XXXX XXXX called the ambulance service ( XXXX XXXX XXXX and then called me back. She told me she informed XXXX the collection agency they turned debt over to was trying to collect from the wrong XXXX XXXX. I didn't get if they had typed in the wrong middle initial or left it out completely. XXXX XXXX gives me the phone number for XXXX XXXX so I can call. I call XXXX XXXX and speak to some named XXXX and explain everything again. All they tell me is a report will be filed so it can be investigated. 

Somewhere along the way XXXX XXXX bought XXXX and then XXXX XXXX sold all debts to XXXX XXXX in XXXX and XXXX XXXX turned this debt over to Phoenix Collections. I have spoken to people from all these groups/agencies and no one will take responsibility for this error so I am forced to filing reports for Identify theft and Fraud.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

XXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPB, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. XXXX as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OK)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-05-17
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. (NY)

I never gave permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to run my credit. These inquiries are all fraudulent. I sent out letters to Equifax and XXXX multiple times. This is fraudulent. I am sick of this.
Consumer complaint received 2023-05-17
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)

In previous months, I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2016-03-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weber & Olcese, PLC (MI)

I had received a collection letter from Weber & Olcese P.L.C. i did inform them that it was filed this on bankruptcy, but they '' re disputing it because it was on my son bankruptcy discharge, and not mines even thought he was a authorized user as well. so they have been constantly harassing me, to the point that they have filed a law suit against me, stating they they are employee of XXXX XXXX and they have access to all relevant system and document of XXXX XXXX to validate any information that they are authorized by them, and they have personal knowledge of the matter, that stated in the law suit that there was a attached contract, which it was not, they submitted a billing summary and invoices, and invoice is not a bill of sale, nor is it evidence of a sale, it is a mere detail statement of quantity and cost of things invoiced, i told them i was not the responsible party and they continued to harass me about a debt that been clear in bankruptcy ... and even the amount that they are suing for is more then the bill that they attached to the law suit, the bill is for {$1700.00} they are suing for a total of {$1800.00} other charges that was added since the charge off, i would like to knows who trying sue me is it the credit card company, or is it and third party debt collection company, because capital stated that the debt was charge off given to attorney net work, what ever that is, but they are coming after me saying they are the actual company that suing me, and on the law suite it state they they are a debt collection company, please help they are twisting things to there advantage in court, i have submitted all papers to them but they continued to come after me, i have previously filed a complaint but left off some things
Consumer complaint received 2023-05-17
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my credit card information was stolen and used to purchase a {$3200.00} airline ticket from XXXX to XXXX. The credit card company resolved the issue and refunded the money, however, I did want to report this individual as I have his full name, flight, itinerary, and additional PII. He also stole my other identifiers, including home address, phone, email, etc.
Consumer complaint received 2023-05-17
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY (PA)

American Express, listing itself with XXXX different addresses, has repeatedly run my credit report illegally. These inquiries are 'soft ' inquiries, however, it is illegal! I have not been a cardholder or done business with American Express in over 12 years. I also have a LIFETIME ban with all credit reporting agencies for promotional inquiries. I do not know why this company feels that they need my credit report but they will be sued if they run my credit report again. They have done this several times a years for the last several years. American Express is to not contact me or run my credit again for any reason.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Payoff process — 
Company: Paypal Holdings, Inc (NC)

I took out a low interest loan to pay off my credit cards including my pay pal credit account. At the time the paperwork was processed for the loan, I had a balance of {$5200.00}. A check was mailed out on XXXX XXXX pay pal credit for XXXX and posted to my account on XXXX XXXX stating it was received on XXXX XXXX. I was not aware that this balance did n't reflect a credit for return that I did in early XXXX or a payment that I made in early XXXX. Now, I have closed my account and there is a credit balance on my account. I called and emailed Pay Pal credit on XXXX XXXX and requested my refund be mailed. I was told it would take XXXX10 business days. I received an email in response yesterday stating that the refund would not be processed until XXXX/XXXX/16 and from there it would take an additional XXXX10 business days to process. I was not told this on the phone. When I called pay pal credit on XXXX XXXX, I was told that they have to hold my refund in the amount of XXXX until XXXX/XXXX/2016 due to money laundering laws. It is my understanding that these laws apply only to transactions over {$10000.00}. If the laws do not apply to my credit, I request that the refund be processed immediately and received within the XXXX10 business days as originally promised to me. In addition, pay pal credit will not close my account because of the credit balance. Thank you for your time and consideration.