davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XX/XX/2024 Collection agency name : PORTFOLIO RECOVERY ASSOC Address : XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX XXXX Dear ( PORTFOLIO RECOVERY ASSOC ) I recently received a debt collection notice from your office for {$2900.00}. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists, creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX I made the request to have my funds that were deposited into my account withdrawn and yet I was denied at the teller. Prior to me proceeding to the bank I called the fraud department to make sure I was able to withdraw the funds and I was told I would be able to. Upon my arrival to the bank to my surprise I was told I am unable to withdraw the funds due to the claim I submitted for fraudulent activity. I had to submit an extension that will take up to XXXX business days. We are now on day XXXX and I am behind on my rent due to my funds being withheld and me not being able to withdraw. It is unacceptable that bank of america does not want to be liable for the funds that were fraudulent taken out of my account and that is fine. However my hard earned money being withheld is where I draw the line. I have spoken to over XXXX customer service reps and all have told me numerous different things. Some say my account is active and open and I can walk into a branch and withdraw my money. Others say I am unable to my account is closed. It has been a rollercoaster and all I want is to be able to withdraw my direct deposit of a small amount of {$630.00}. It is absolutely insane how the lack of empathy and sense of urgency the supervisors and managers I spoke with to resolve this. Nobody has attempted to try and find a solution. I am now on a risk with my rent due to the funds that are mine from working being withheld. Not to mention bank of america reached out to me because of my complaint with the cfpb and have not since returned my calls or answered any of my voicemails. It's very disappointing being a member since XXXX.
Consumer complaint received 2024-10-26
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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-02
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. (GA)

I did not authorize these inquires. 

XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (VA)

In reference to my credit report, which is maintained by your respective agency. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Upon reviewing my credit report, I have discovered various accounts that I did not grant any written permission for creditors to furnish information to your agency.

I understand that as per FCRA, you are obliged to investigate and verify the accuracy of the disputed accounts within 30 days of receiving this request. I written letter to XXXX, XXXX, and XXXX, in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I kindly requested that you provide me with copies of all documents, including but not limited to signed contracts or agreements, that demonstrate my written authorization for the aforementioned accounts to be included in my credit report. Please ensure that the provided documentation is clear and legible to facilitate my understanding.

Please be advised that the continued inclusion of unauthorized accounts on my credit report by your respective agency is a violation of FCRA.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

care credit through synchronicity was offered to me for XXXX XXXX XXXXXXXX in XXXX XXXX and offered a 12 month 0 interest option ... there needs to be regulation for heath care related loans where the interest rate doesn't balloon to 29 % if the balance isn't paid by the interest free period ... if they're going to get away with this perhaps a 4 % flat interest rate unless the balance divided by XXXX isn't satisfied each month? it seems extremely preditory and would take something like 4 years at their minimum payments to close out.
Consumer complaint received 2024-10-26
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)

After carefully reviewing my credit report I noticed an influx on inquires that werent authorized by myself in a result identify theft. Inquiries listed below XXXX XXXX, XXXX XXXXXXXX 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 2024-10-26
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)

After carefully reviewing my credit report I noticed an influx on inquires that werent authorized by myself in a result identify theft. Inquiries listed below XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2019-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BB&T CORPORATION (FL)

I visited a local lawn mower store by the name of XXXX XXXX. I received a quote for a lawn mower for {$10000.00}. As of today, XX/XX/2019, a loan was submitted on my behalf, without a binding contract.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (SC)

Yo Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through USPS XXXX or XXXX is just too much of a hassle Thanks for gettin me
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter
Consumer complaint received 2024-10-19
Product: Credit 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: OneMain Finance Corporation (FL)

I spent months trying the fix the issue with XXXX. They took forever, which now I believe they did it on purpose. Once I realized it seemed as if they were stalling I went to file a report with my credit card company. Now my credit card company doesn't want to go through with the dispute and not accurately doing anything. XXXX had my return rental sitting on the lot for a while before entering it in the system. They also supposedly had a repo on the card switch the car was returned by the renter of the vehicle. The credit card company is just as worse as the scammers XXXX XXXX XXXX.
Consumer complaint received 2024-10-29
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)

I was reviewing my credit profile and noticed some inquiries that do not belong to me. 

XXXXXXXX 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 XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

Our car was totaled out, and the insurance and gap insurance companies issued the checks to Hyundai Motor Finance company. Our balance due on our account was {$0.00}, and we confirm this multiple times on a daily basis. We contacted Hyundai Motor Finance multiple times because we knew there was still remaining balance, and we didn't want the account to go delinquent. They informed us that we would have a due date posted on our account when a payment was due, and that we had no late payments that would happen. In XXXX we were informed that we needed to set up the balance to get paid off, and when they called us and informed us of that we immediately set up the payments to finish off the balance. Again, we were informed that there were no late payments on our account because there were no payments due. In the month of XXXX, our payment portal didn't even show a balance on our account, so it was literally impossible for us to even post a payment. They intentionally gave us incorrect information when we could have posted payment when they were on the phone with us in XXXX. Or XXXX. Instead, every time they were on the phone with us they informed us that there was no balance due, just like their website was telling us.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (MS)

I opened a new credit card with Wells Fargo Bank XX/XX/year>. One of the main reasons is they advertise 0 % interest, 21 months, for any balances transferred within 120 days. This is clearly stated on the first page of the when you recive the credit card in the mail. What is not clearly state on the first page is a transfer fee of 5 %. That is found on page 5 near the bottom of the page. Once I made the transfer I received a charge for the fee of {$580.00} which really negates the 0 % interst offer. 

I called immediately and explained I was only closing the old Visa account but could have just left the balance their paid the balance. I paid the balance same day minus the fee and asked that they reverse the fee of {$580.00} which they have refused. Even if I closed the account they are saying I am liable for the fee. 

This should have been cleared advertised with the rest of the information and not buried with addition requirements on a sparate page.
Consumer complaint received 2024-10-26
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 am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-10-26
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. (NV)

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with the account opened on XX/XX/2017, for {$11000.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law.

Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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 accounts 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 accounts. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-11-15
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: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Subject : Statement of Inaccuracies on Credit Report I am writing to formally dispute inaccuracies on my credit report. My name is [ XXXX XXXX XXXX, and my Social Security number is [ XXXX ]. 

Upon reviewing my credit report, I found the following inaccuracies : 1. [ Account XXXX XXXX XXXX XXXX ] : This account shows [ describe the error, e.g., inaccuracies Are XXXX Account Type - SECURED LOAN Status - PAID, CLOSED Status Updated - XX/XX/XXXX Balance Update - Paid Off - Past due - EQUIFAX Account Type - INSTALLMENT Status - PAYS ACCOUNT AS AGREED Status Update - XX/XX/XXXX Balance Update - XXXX XXXX Paid off - 100 % Past Due - XXXX Account Type - INSTALLMENT ACCOUNT Status - PAID OR PAYING AS AGREED Balance Update - XX/XX/XXXX Past Due - {$0.00} Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]