davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I fee l like it's a case of double jeopardy because I disputed back on XXXX and it was removed from my credit reports. I feel that they have violated my privacy this time for as soon as I removed the freeze from my credit reports they were attacking them once again. I never sign a contract with XXXX XXXX or Portfolio recover for this debt. I diputed it with XXXX XXXX and they agreed to dispute it also before it was removed. Ifeel the tactics used by Portfolio Recovery are very unethical and unprofessional.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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 2024-01-22
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)

I am writing to formally dispute the unauthorized sharing of my personal information by EQUIFAX without my consent. I believe this action violates my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 
There is a public record on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have spoken with the United States XXXX XXXXXXXX XXXX XXXX XXXXXXXX, who cited, XXXX XXXX XXXXXXXX XXXX XXXX is not responsible for credit reports and does not provide information to credit reporting agencies and disputes should be taken to the credit reporting agency directly. 

I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to lock the identified transactions. The identified transactions are not information related to any transaction by me as the consumer-XXXX XXXX XXXX  date XX/XX/18. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 

How could your company verify the accuracy as previously stated if the company in question does not report to you or verify accuracy? Again, please delete within 4 days.
Consumer complaint received 2021-07-07
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. (LA)

On XX/XX/2021, I pulled my credit reports to check my scores. When I pulled my report I noticed fraudulent accounts and inquiries on my reports that I did NOT authorize or know anything about.
Consumer complaint received 2024-01-22
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. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank holds the first loan on my owner occupied home. Their loan payments are due on the XXXX of the month and late by the XXXX, if the payment is not received to their " special collection '' location in XXXX, Ohio. My loan payment can not be paid at any Chase Bank in California, in fact they have a branch less than XXXX mile from my home. 

My problem is that Chase, who knows well in advance, exactly what my next month 's payment should be, does not even produce the loan statement with the payment coupon enclosed, until the XXXX of the month. Chase then mails it in a bulk zip code format without a postmark & it does not usually arrive at my home until the XXXX-XXXX of the month. 

I am therefore required to send my monthly payment to XXXX, OH by USPS 2-day priority mail or by XXXX 2 day delivery at an additional cost of {$20.00}. 

I believe that Chase should send my monthly payment statement well before the XXXX of the month so I have 15 days to make my payment without the fear of a late charge and the negative effect it will have on my credit score. 

Question, Is there a code section that you can refer me to either Federal or CA that states how many days prior, to first day of each month, that I should receive my monthly payment statement with the coupon enclosed, so that I have at least 15 calendar days to make my mortgage payment? 

Thank you very much
Consumer complaint received 2022-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (OH)

I have a XXXX XXXX  with Sofi. I have been trying for over a week to initiate a withdraw from this account. The tell me the withdraw is broken. They pass me from support agent to support agent and tell me I need to wait for the tech dept. to fix it. I've also been told that until this link is fixed there is nothing that can be done. Then they told me I could get a check issued and then told me to initiate I need to use the withdraw function, which does not work. 

This happened in early XXXX as well but last time they resolved it more quickly and I thought it really was just a temporary issue. They initiated the withdraw on their side. Now 2 months later the same link is " broken '' and now it is not possible to access my money.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this letter finds you in good health. I am writing to express my dissatisfaction and concern regarding the persistent reporting of a late open account on my credit report, despite my numerous attempts to correct this error through your dispute resolution process. 

I have submitted multiple dispute requests, accompanied by supporting documentation and evidence, to rectify the reporting of the late open account on my credit report. Unfortunately, despite my best efforts, the correction has not been made, and this error continues to adversely impact my creditworthiness. 

I kindly request the following actions be taken promptly : Conduct an immediate and thorough investigation into the reporting of the late open account on my credit report. 
Provide a detailed explanation for the repeated failures to correct the reporting despite multiple dispute submissions. 
Expedite the necessary corrective measures to update my credit report accurately and remove the late open account. 
Furnish written confirmation of the resolution, including a clear timeline for completion. 
In consideration of the persistent challenges faced in resolving this matter, I expect a resolution withinthe exact timeframe from the date of this letter. The ongoing reporting of this late open account has caused undue stress and has negatively impacted my financial standing. 

Failure to address this complaint promptly may compel me to escalate the matter to regulatory authorities, and I may seek legal counsel to protect my rights as a consumer. 

I trust in your commitment to fair and accurate credit reporting and anticipate a swift and satisfactory resolution to this issue. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$11000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance : {$23000.00}.
Consumer complaint received 2024-01-07
Product: Credit reporting 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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-31
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. (AZ)

I am writing to formally request the removal of an inaccurate XXXX  XXXX bankruptcy record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/2022 This bankruptcy entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.
Consumer complaint received 2024-10-31
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. (OH)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-01-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/2022, I returned my XXXX XXXX equipment to the XXXX XXXX XXXX store to close my account. I notified the customer service agent that I would be moving and wanted to pay any remains balance that day. He gave me a receipt for my returned items and I left. I never received a balance or receipt of a balance. I also notified him of my new address, which is on my drivers license. After I closed my account, I spoke with a representative about the remaining balance that was required to pay. I was told that I would be able to pay the remaining balance on my XXXX  app. My XXXX account was soon locked and I was unable to access the application. I made repeated attempts to contact XXXX by phone, but I was never able to pay the remaining balance because I was told that the account was now closed. For several months, I would attempt to contact XXXX XXXX and was given an automated message for hours. When I was able to reach a customer service agent, they could not access my full XXXX account number and told be I would receive emails or letters to correspond with the remaking balance. I moved to a new address and did not receive any mail attesting to the remaining balance from XXXX. I finally received a phone in XX/XX/XXXX from TSI, a collections agency, and agreed to pay a reduced amount of {$110.00} to settle to the debt collection of {$130.00} and remove the delinquent payment from my credit score. I paid the balance of {$110.00} by phone. I received no receipt following our correspondence via email or by mail to my new address. The representative notified me that XXXX would be notified in two business days of the resolution. On XX/XX/XXXX and XXXX, I received calls from another collections agency with the phone number ( XXXX ) XXXX regarding a debt from XXXX. When I notified them of my recent payment, I was told by the customer service agent on XX/XX/XXXX that the matter had not been resolved and I needed to provide him with my routing and account number to pay the remainder balance. I was very anxious and scared by his comments and began to doubt the validity of the call. I have been a XXXX XXXX customer for 10 years and have never experienced an ordeal like this. I have never missed a payment and feel some of these actions have been predatory in nature. I didnt not receive the proper correspondence or notification of my debt for the opportunity to resolve it. Further, my credit score has been adversely impacted and I fear my personal banking information is now widely available to several entities.
Consumer complaint received 2020-11-17
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: WELLS FARGO & COMPANY (DE)

I reserved a hotel and when I arrived the room was dirty. I did not stay and my credit card was billed. I immediately disputed with my credit card XXXX  and recover credit from them XX/XX/XXXX. I never heard anything more. On XX/XX/XXXX the credit was reversed. I have not received any reason for the reversal it just showed up in my account. I contacted the bank and they said it was in prearbitration and visa sided with the merchant. I was not given a chance to respond the merchant. I never stayed at the hotel. I told the bank it was not authorized and they said their was nothing they can do about it. I would like to receive my credit back. It was just rebilled to my account and no I explanation just out of no where. The rebill put my account in the negative. They also rebilled my account more than 90 days after the investigation began.
Consumer complaint received 2024-01-20
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)

Hello, These Accounts are STOPING me from ability of getting a new house for my family. 


Account name : XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have to right for 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 ) Sections 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 crime 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 2024-01-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (VA)

My booking confirmation was canceled within 24 hours with this business that operates in the XXXX and directly with the airline company. I am also charged twice for the same transaction from XXXX XXXX ( {$1300.00} ) and Afterpay ( {$1400.00} ), which are both buy now pay later companies. However, they are stating I owe the full amount of the purchase, even though, the services were not rendered.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am a victim of multiple data breaches and would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

Also, I never lived at the address associated with this account.

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else.

As a Credit Reporting Agency, You should be well aware of the fact that information in those reports would definitely be wrong when Identity Theft has occurred. Clearly, my identity has been stolen all across the board. My information has been completely compromised therefore, Verification from PUBLIC & PRIVATE SOURCES including any information regarding me, is not credible and it definitely would not hold any credibility in LITIGATION.

I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place.

I have submitted fraud reports and disputes for this account. I am demanding this account to be removed in 4 days, disputed, and thoroughly investigated because I did not open these accounts. By law, this account must be removed especially because I am a Victim of A DATA BREACH! This account needs to be removed immediately, within 4 business days. We go by the law. I as a consumer have my legal rights.

If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. Please remove this illegal account, Thank you for your time and help in this matter
Consumer complaint received 2024-01-07
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. (NJ)

XXXX XXXX XXXX. has placed an account for collections on my credit reports. Not only do I have zero knowledge of this account, but I've had issues in the past where this company continues to attack my credit report without my knowledge or permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 I made a purchase to XXXX for {$39.00}. The item I received was not the item I ordered, more of a cheap knock-off. I contacted the merchant several times to return the item, they would never give me the information to return the item. I then disputed the charge with my Wells Fargo XXXX XXXX card. I sent several correspondences to Wells Fargo that I had with the merchant. Showing how they would not respond to my returning of the item. The credit card company incompetently handled this dispute. The merchant told them I could return it, but I was never given that information. They did not investigate this dispute thoroughly.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove a charge-off from my account with your company. I believe in fair and transparent financial practices, and I have been diligent in addressing this matter through various channels without resolution.

I have made multiple requests to your customer service department, both over the phone and in writing, seeking assistance in rectifying the charge-off on my account. Unfortunately, despite my efforts and numerous promises from your representatives, the charge-off remains on my account. 

This persistent issue has not only caused undue stress but has also negatively impacted my credit score and financial well-being. I have attached copies of previous correspondences, including reference numbers and dates, for your review and reference.

I understand that errors can occur in financial transactions, but the lack of resolution after repeated attempts is unacceptable. As a valued customer, I expect timely and efficient resolution to rectify this situation.

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the charge-off on my account.

Provide a detailed explanation for the failure to remove the charge-off despite previous assurances.

Take immediate steps to rectify the charge-off and update my credit report accordingly.

Provide confirmation of the resolution in writing, including the expected timeframe for completion.

I expect this matter to be resolved promptly, within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer.

I trust that your commitment to customer satisfaction and ethical business practices will prevail, and I look forward to a swift resolution to this matter. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Opened XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1500.00}.