davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I sent several letters out to XXXX, Equifax, and XXXX beginning XX/XX/2022. I have been working on my credit, and have not received any responses from any of these companies. 

I just found out that if the credit agencies do not respond in 30-40 days, it is unlawful. 

According to 15 Usc 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torriere Holdings INC (TX)

Ive received calls from a company called XXXX. I asked for the name of the company and was told that XXXX is the companies registered name. After calling he number back several times to acquire information about the company ( actual name, address and or website ) everyone denied giving me any information. I was finally told by a XXXX that the name of the company is Spire Recovery Services, but he would not give me the address or website of the company. I never gave this company consent to contact me, I have no contractual obligation to this company. This company has no permissible purpose to contact me through any means. If any information from this company is published on my consumer report I will seek damages for defamation and identity theft. This company is willingly and knowingly participating in fraud and violating my rights. They stated that they sent me emails and letters in XXXX, but I have not received anything from this company except for harassment. The would not verify who they were, but wanted me to give them my personal information. I think the company if it is really are participating in scamming consumers.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ERC (MD)

I'm working on clearing up my credit report so I can qualify for a home loan. I contacted the company, Enhanced Recovery Co., and paid off the dept. I need to have them delete this item from my credit record but they will not remove it. As long as it there, even showing a XXXX XXXX  it will still work against my credit. It will not increase my score at all. So, I need help getting it removed. 

XXXX XXXX
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MD)

XXXX XXXX, XXXX {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-08
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. (MN)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnisher on XXXX It's been well over 60 days and I still haven't gotten a response. I'm very frustrated that fraudulent accounts that are not mine haven't been removed off my credit yet. I am demanding that these unauthorized accounts be removed off my credit or I will be taking legal action!
Consumer complaint received 2024-10-08
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. (CA)

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

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

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 XXXX : XXXXXXXX XXXX  Account XXXX : XXXX
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (NJ)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Goldman Sachs XXXX XXXX, XXXX XXXX XXXX XXXX, Pa XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/2022, and I extended your organization the credit for the Apple Card with this email address. 



Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. 



According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. 



Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ).

Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 



From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 



I hereby request you to these things below mentioned 1. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it.

If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. 



Thank you for your time and attention for this matter. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (VA)

Sunlight financial was provided as a lending intuition for XXXX XXXX project. XXXX XXXX XXXX XXXX XXXX provided sunlight for loan. Sunlight participated in predatory lending practices backing Adjustable rates based on Fed tax incentives in amounts that were not achievable. Additionally the system itself didnt work and does not work as advertised and should fall under the HOLDER rule. The cost of the System with out interests is {$65000.00} While I have been making my payments its becoming hard with a system not working and having double the utility bills.
Consumer complaint received 2022-10-03
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. (NV)

An unknown person is attempting to open accounts in my deceased husband 's name, XXXX XXXX XXXX. He passed away XX/XX/2022. They were successful in opening an account at XXXX XXXX XXXX XXXX XXXX and have charged the maximum amount, {$9900.00}, on or about XX/XX/2022. This occurred even though I placed a fraud alert with the three credit reporting agencies. In addition, I received an alert from XXXX XXXX today, XXXX XXXX XXXX that someone was trying to use my husband 's information to charge {$960.00} at XXXX # XXXX in XXXX XXXX, NV on debit XXXX. I also had 5 hard inquiries into my credit report according to XXXX XXXX.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (HI)

I lost my home and no longer have a phone number. Chase bank says they can only help me if I call in, which i have no options to do so. I am filing for bankruptcy and have made several requests to them for a copy of my credit card application and they refuse to send it to me. I need this information to proceed and they are holding it up by withholding this information.
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

My account was hacked into, this the 3rd time in 3 months this has happened. Someone hacked into my account XXXX and transferred {$1200.00} to themselves. I have never transferred any money to any member and did not give permission. I am XXXX XXXX XXXX  and need my money. This is federal money from social security that gets deposited into my account and chime has allowed my account to be hacked into 3 times already. Ive changed my password and ask for legal department so that I can file a lawsuit they refuse to give me legal department info. I want my account refunded for {$1200.00}
Consumer complaint received 2022-10-03
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: GOLDMAN SACHS BANK USA (WI)

I have been back and forth with APPLE GOLDMAN SACHS for over 1 year now. I submitted my disputes 3 different times. XX/XX/2021 I sent out letters to APPLE GOLDMAN SACHS in regards to items being charged to my account that are not my doing. They refunded me for some items and charged me for other items. MIND YOU THESE ARE ALL THE SAME TRANSACTIONS. I'm familiar with deceptive practices but this is too much! I am a single father and I work 12-13 hour days. HOW CAN THEY REFUND ME FOR THE SAME EXACT ITEM AND CHARGE ME FOR THE NEXT EXACT ITEM??? 
They even closed my account and now are making me pay {$42000.00} worth of charges I DID NOT CONSENT TO NOR HAVE KNOWLEDGE OF! Its clear as day this is a deceptive practice. How can you refund some and charge the rest when its all the same transactions! 
Please help!
Consumer complaint received 2024-09-04
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. (MD)

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.

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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2018-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

Hello, I received my credit report from all 3 credit bureaus after being denied for credit. To my dismay I was quite frankly shocked to see that Care credit with XXXX XXXX had an account on there with my name. I sent them a debt validation letter asking for the signed contract or my signature. What they sent to me was a letter simply stating they verified the debt as accurate and that it's mine. I have no knowledge of this debt at all. They are reporting wrong information on my credit reports. This is not my debt and they have not validated it as mine with any sort of proof or documentation proving it is mine.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Unlicensed Debt Collection in Georgia Dear CFPB, I am writing to formally dispute the debt associated with my name, which is being pursued by XXXX XXXX and Portfolio Recovery Associates XXXX I am a resident and citizen of Georgia, and under the Georgia Industrial Loan Act, all debt collectors or debt buyers must be licensed by the Georgia XXXX XXXX XXXX XXXX XXXXXXXX to legally engage in debt collection activities within the state. 

It has come to my attention that XXXX XXXX and Portfolio Recovery Associates are not licensed to operate in Georgia, which I believe constitutes a violation of state law. I request that you investigate this matter and ensure compliance with the relevant regulations. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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. (CA)

This is my six attempt to notify you 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 an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are 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 account 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 or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Checking and Savings account was closed XX/XX/XXXX. Chase bank reassured me that the remaining funds would be received via check in 10-15 days. XX/XX/XXXX I speak with a representative who says the checks were mailed on XX/XX/XXXX and are on their way. XX/XX/XXXX I speak with another representative to ask about the checks because it has been much longer than they had previously mentioned and still no checks. She says no such checks have been mailed because they need to verify the funds and the process could take several weeks. No other information could be provided. It seems that each time I call I get misinformation regarding my funds.