davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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: DISCOVER BANK (OH)

on XX/XX/22 I booked adventure trip to XXXX with XXXX XXXX. They used a XXXX part XXXX XXXX XXXX, I paid via Discover Card XXXX and on XX/XX/22, 3 days prior to departure, XXXX XXXX told us XXXX XXXX didnt pay them, or the travel agents, hotel, food nothing so we could not go on the trip. I immediately filed dispute as did my XXXX traveling friends all XXXX of them won disputes with their credit cards, I am the only one that lost dispute. I submitted the same docs plus additional Discover never told me I lost dispute, I noticed the charge was put back on my card, so I called them, nothing was listed online, they never notified me. They said I lost because I didnt provide sufficient evidence. The merchant XXXX XXXX XXXX provided ZERO documents to Discover yet they won dispute. I asked what is needed for dispute, agent stated " proof refund is due '', I said that is impossible to get, XXXX  XXXX XXXX wont reply to emailed calls or snail mail. But I got a letter stating such from XXXX XXXX, still lost dispute stating insufficient evidence, I asked what is needed again, they would not reply and will not tell me only that dispute closed and I lost dispute. I am the only of XXXX that lost dispute everyone was refunded their travel money. It is like buying a shirt online and if you dont get the shirt, company doesnt exist, you get money back, why wont discover pay me I paid for a trip they didnt provide a trip. They knew they were going out of business at the time they accepted my money. I am exhausted and have been fighting every day for refund since XXXX. Discover is wrong here they are to protect me and my purchases from scammers. I dont file disputes unless I know I am right, I am extremely right here, even Discover agents on the phone tell me they can not believe this loss because XXXX XXXX XXXX did not provide any documentation that they provided any service they submitted XXXX documentation. Dispute Number XXXX. My Discover card has been compromised TWICE since this trip, so I provided the card number that was charged. It is all the same account, mine, just the card numbers have changed twice. Should not pose an issue but I included my dispute number too
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Once again Im having to dispute these crooks posting inaccurate data on my credit report!

The Delinquency date is wrong in one or the other!

They claim both bills were from one visit why would there be two different dates a month apart!

Delete these accounts from my credit file! These crooks used unlawful HIPPA violation document to unlawfully validate these accounts! 

Youre all gon na be sued!
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

The collection agency XXXX XXXX XXXX has a collections on my credit report. The collection was from XXXX XXXX which I have tried to explain that the charges on that card wasn't from me and that my account was hacked, then they sent it to collections after I refused to pay. 


The second one is XXXX XXXX XXXX and have no idea about the XXXX  thats on the collections report. 

The third one is Portfolio Recovery and they have a XXXX XXXX card that I have a card that I didn't pay off. This isn't true as I have a XXXX XXXX card that has a 100 % on time payment history and I only ever applied for one XXXX XXXX card not 2.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2022 I moved out of my apartment in XXXX and relocated to XXXX. I opened a new Chase bank checking account after I moved. My previous landlord provided me with a security deposit refund check for {$830.00}. I attempted to deposit this check on XX/XX/2022, however this checked bounced due to inadequate funds. I was contacted immediately by my landlord who informed me that his XXXX XXXX XXXX XXXX account had been hacked ( washed checks stolen from his mailbox he claimed ), he then sent me a replacement check on XX/XX/2022 for the same amount ( {$830.00} ) from his new XXXX XXXX  account. After I attempted to deposit the new check on XXXX XXXX Chase flagged this as potentially fraudulent due to it being from the same account holder and the same amount as the previous bad check. I was only notified of this after receiving a letter from Chase stating my account would be closed within 10 days if I did not respond, however I did not receive the letter until after the 10 days had passed, and upon further inspection of my account statements the check was deposited into my account on XX/XX/2022 and my account was closed on XX/XX/XXXX, XXXX only 8 days later. Chase refunded the rest of the money that was in my account ( {$120.00}, as I had not switched over my direct deposit with my work yet ), which I have not deposited yet as I do not want to risk them claiming that I accepted my account closure, and that check is now void as it over the time limit stated on the check. I have attempted to resolve this issue with Chase bank numerous times, however they claim they can not verify that the check is valid. I have asked them how they have attempted to verify the check and they reported there is not a phone number associated with account so they have not taken any steps to verify it and report they are not allowed to contact XXXX XXXX directly to attempt to resolve the issue. My landlord reports his phone number is associated with his business account and has not received any calls, he also confirmed that the money has been released from his XXXX XXXX and they will not allow him to cancel the check at this point. Chase bank as also confirmed that the money is out of my landlords account and is being held by Chase per their legal department, however they will not allow me to discuss this with their legal department. The only solution they have offered thus far is for my landlord to cancel the check ( his bank is unable to do that ), or for my landlord and myself to present in person to a Chase branch with government identifications and proof that he is the owner of the business that the account is connected to- this is not possible given we are in different parts of the country.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MN)

They called me 6 times yesterday from a private number refusing to tell me where they are calling from. Every time I asked who was calling they would either hang up or keep asking me my name. Finally today they were able to tell me who they were. It is XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (LA)

XX/XX/2022 {$200.00} was scammed from me on XXXX through navy federal. I was selling a desk on XXXX  some one said they sent me {$150.00} and then a message said I didnt have a business account to be allowed to accept {$150.00} and said he sent {$200.00} more and I had to send it back to make a trust to have business account once I did that he took it and said he accidentally sent {$200.00} more on accident and I had to do it again and thats when I knew it was a scam, XXXX said its authorized payment and navy federal said the same thing so they cant dispute it. I have the messages and XXXX account too. Is this not fraud because he used someone elses name and account? Why cant it be reversed
Consumer complaint received 2024-10-27
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. (NC)

Subject : Request for Removal of Paid Charge-Off Accounts from Credit Report Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau XXXX CFPB ) assist me in ensuring that the following charge-off accounts, which have been settled and paid in full, are removed from my credit report, in accordance with applicable federal laws and guidelines : 1. XXXX, Account # XXXX ***** XXXX. XXXX, Account # XXXX ****** XXXX. XXXX XXXX XXXX, Account ***** These accounts, while previously charged off, have been fully resolved as they are marked paid and closed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, charge-offs that are fully paid and settled should no longer be reported in a manner that negatively impacts a consumer 's credit profile. Additionally, the Federal Trade Commission ( FTC ) and the CFPB have both issued guidance regarding the reporting of paid charge-offs, emphasizing the accuracy and completeness of credit reports. 

As these accounts are no longer in default status and have been settled, they should not continue to appear as negative items on my credit report. Continuing to report these charge-offs undermines the purpose of the FCRA, which aims to ensure that credit reports are fair, accurate, and complete. I respectfully request that these charge-offs be removed from my credit report entirely as they no longer reflect my current credit standing. 

I believe the continued reporting of these charge-offs may be in violation of the FCRA, which states that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported. Moreover, under Section 609 of the FCRA, I have the right to dispute any information on my credit report that I believe is incorrect or misleading. Since these charge-offs have been paid and closed, they no longer provide an accurate depiction of my creditworthiness. 

Furthermore, I kindly ask that the CFPB ensure that the credit reporting agencies update my credit file to reflect the accurate status of these accounts. This action is critical to ensure my credit report fully complies with all consumer protection regulations. 

Please confirm in writing that these charge-off accounts will be removed or updated to reflect their true status of " paid in full '' without any derogatory notations. If further documentation is needed to substantiate this request, I am more than happy to provide it upon request. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

My car that was financed through Ally Financial was totaled in XXXX, 2021. My insurance company XXXX XXXX XXXX paid off the balance on XXXX/XXXX/2021 ( XXXX ) After Ally was paid, as noted on the XXXX XXXX report, they reported to the credit reporting agencies that they had repossessed the car. My credit score dropped severly and I have been denied credit several times.
Consumer complaint received 2022-11-11
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. (LA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

The account information regarding my credit score from Equifax is inaccurate. I received a notification from XXXX XXXX that my credit score was reduced by XXXX points at Equifax. All my credit data is exactly the same as XXXX and in fact, my credit balances have reduced because I am making payments each month. The FCRA makes it clear that bureaus are supposed to report accurate balance and payment data and with that the score should increase over time. Equifax has deliberately sabotaged my credit score by lowering it XXXX points WITHOUT provocation. This bureau has waited several months from my last complaint I filed against them for reporting inaccurate details about my credit, and suddenly they have diminished my credit score to retaliate against me unlawfully! I will upload pics from both XXXX and Equifax to show the exact same credit data and the scores from both bureaus who use XXXX XXXX  instead of FICO. XXXX XXXX is their partner and displays information being reported by both XXXX and Equifax to the consumer via their APP. Equifax has reported that a significant vehicle loan had decrease by more that {$1100.00} and suddenly my credit score was decreased by XXXX points!
Consumer complaint received 2022-11-11
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. (MO)

This is my XXXX CFPB complaint informing the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These items are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an the identity theft.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2022-12-09
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (NY)

I have an airline loan because I already pay half oh XXXX with you and pay this amount. Do you wan na leave my car because you take it to the impound impound it does it have a L I already take you for that my vehicle where are you vehicle? I want to pick it up and pound it doesnt have it. It doesnt have any info customer service she tell me the impart airline is coming vehicle is already pick it up. You got ta call Ally company, OK? 
I have a police report. Also everything information I can give you can you help please take out the action because nobody help me.
Consumer complaint received 2022-12-09
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 XXXX  Account US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) # 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 an account without my written instructions
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX Whom This XXXX Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX reported on XX/XX/XXXX As you Know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity o the remark. 

I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from credit report. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom This May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX reported on XX/XX/XXXX As you Know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity o the remark. 

I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from credit report. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved