davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NC)

YOUR COMPLAINT I am filing a complaint against XXXX, XXXX, and XXXX Credit Reporting Company. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. Please let me know if you have any questions. Navy federal XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these things off my credit report they do not belong to me. Highest Regards, XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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: Westlake Services, LLC (MD)

I XXXX XXXX am writing to dispute the charge off account XXXX that appears on my credit report. I recently became aware of this account and have concerns regarding its accuracy and the impact it has on my credit history. I request that you thoroughly investigate this matter and provide me with a detailed explanation of the account in question. 

First and foremost, I would like to address the nature of a charge off and its implications. A charge off is typically an accounting procedure where a creditor considers a debt to be uncollectible and writes it off as a loss. It is important to note that a charge off does not absolve me of the responsibility to repay the debt. However, it is no longer considered a collectible asset by the creditor and is instead classified as a liability on their books. While I understand the financial implications of a charge off, I believe there may be grounds to challenge the accuracy of this account.

I am requesting that you provide me with the following information regarding the charge off account : Detailed account history : Please provide a comprehensive breakdown of the charges, payments, and any other relevant transactions associated with this account. It is crucial for me to understand the origin and validity of the debt.

Verification of debt : I request that you provide evidence to substantiate that the debt is valid and that I am indeed the responsible party. This includes providing copies of the original signed agreement and any subsequent documentation that proves my obligation to repay the debt.

Compliance with the Fair Credit Reporting Act ( FCRA ) : I kindly ask that you ensure the accuracy and completeness of the information you report to credit bureaus in accordance with the FCRA. Please investigate whether the proper procedures were followed in reporting this account, including any required notifications and validation of the debt.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

15 USC 1666b ( a ) a creditor can not report late to a consumer report for any purpose to why are you furnishing this false and deceptive information.

5 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance )
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/, two accounts were fraudulently accessed via a TD Bank ATM at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. Withdrawals of {$300.00} and {$400.00} were conducted on my Savings and Checking account, respectively. These transactions were not authorized by me. My card had always been in my possession and further to that, I have never shared my PIN with anyone. I contacted the Fraud Dept at TD Bank and filed a dispute on XX/XX/, and was assigned Claim Number XXXX. Upon their alleged review of my dispute, TD Bank determined an error did not occur, even in light of the transactions occurring in New Jersey, when I reside and work in XXXX and ATM transactions are absolutely out of the ordinary for my account. TD Bank has not credited my account with the missing funds. In my frustration, I reached out to the Headquarters in XXXX, who directed me the XXXX XXXX XXXX. They instructed me to press charges. I then contacted the XXXX at the XXXX XXXX and was instructed to file this report. 
This horrifying experience has caused great distress as I now imagine my identity is exposed and my financial information has been compromised. I hope this can be reviewed diligently and I am fully vindicated.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NJ)

Our PNC Core Visa was set for auto-pay every month. There was an error when setting up auto pay and rather than having it set for the XXXX of every month ( card 's due date ), it was set to the XXXX of every month. Due to online statements, and the fact that the card was not being reported as late, we did not notice that we were being charged late fees since XX/XX/2023. When I called PNC and spoke to both a customer service representative AND a supervisor, I was told that they would only refund one month 's late fee. The unfairness here is that PNC was BOTH collecting their minimum payment due on the account AND a late fee for payment that was received within 48 hours of the due date. PNC has reaped {$100.00} in late fees from us, even though they've been receiving their regular payment monthly.
Consumer complaint received 2023-07-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 21ST MORTGAGE CORP. (NC)

This credit was paid in full at XXXX XXXX was sold/securitized and is actively traded for profit/gain by this fraudulent company. The finance charge is the sum of all charges and still this company has forced insurance that I must pay monthly and that has paid them in full for this credit repeatedly. This pretend lending company will not send me a full accounting of the money they have made off my promissory note/loan of which I am a investor. Nor have I received any money off this mortgage backed security. I have requested a full accounting from this so called corporation of on and off ledger/accounting in writing. I have also asked for proof of actual funding of loan/cash receipts. I was denied.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (MI)

Experian recently double reported a chargeoff. XXXX XXXX XXXX had a {$160.00} chargeoff and it was reported XXXX  months ago and I just got an alert that thet REreported it despite it already having been paid and reported.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (DC)

I had a derogatory remark appear on my XXXX and XXXX reports for a debt of {$120.00} from CONTRACT CALLERS INC opened on XXXX that I was never contacted about. It says the original creditor is XXXX XXXX XXXX XXXX. I last used XXXX in XXXX of XXXX, when I moved from my apartment in XXXX. I closed my account. I have tried contacting ComED to see if there is an open balance I was unaware of an they have nothing on their record. The Contract callers have never contacted me about this so called debt but they keep filing derogarotry remarks on my XXXX and XXXX reports.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

I have a credit card with c i t i Bank back in XXXX they extracted {$800.00} for my account without my permission and they refunded it. I was under the impression that they were not going to use that bank account for any more extractions. But they took {$1000.00} from me in XXXX and will not refund it they were told not to do that that account ever again and still they're not helping me after I have called three times
Consumer complaint received 2023-07-06
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Furthermore, I would like to mention the following important points : XXXX. XXXX closed the account without justification or notification : - Consumer Protection Law ( LPC ) : Article 12. Financial service providers must inform consumers in writing about any changes to the terms and conditions of the services.

- Electronic Transactions Regulations ( RTE ) : Article 22. Electronic service providers must inform consumers about any suspension or closure of an account.

2. All payments were made on time : - Consumer Protection Law ( LPC ) : Article 13. Consumers have the right to receive clear and transparent information about financial products and services.

- Commercial Code : Article 516. Payments made in a timely and proper manner release the debtor from their obligation.

3. The account was opened when I was living in XXXXXXXX XXXX XXXX XXXX XXXX - Consumer Protection Law ( LPC ) : Article 15. Financial service providers must ensure that consumers understand the terms and conditions of the services.

- Tourism Law : Article 22. Tourists have the right to receive clear and transparent information about tourist services.

4. The account was closed in XXXX during the pandemic : - Consumer Protection Law ( LPC ) : Article 16. Financial service providers must act in good faith and with loyalty towards consumers. 
- Economic Emergency Decree : Article 10. Measures are established to protect consumers during the economic emergency.

5. When I finally traveled in 2021 and requested information, it was not provided : - Consumer Protection Law ( LPC ) : Article 14. Consumers have the right to access information about financial products and services.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (FL)

I Have intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

XX/XX/XXXX we purchased a {$50.00} Amex prepaid gift card. It states it can be used at any merchant online and in person, who accepts American express. Except we can't use the card online anywhere. Its declined every place we try to use it. So far I have tried XXXX website, adding it to my XXXX account, and XXXX, and it is declined each time. However each merchant takes a 10 cent transaction fee off the card when I try to use it. 

I have spoken to customer service at Amex both yesterday on the XXXX and today on the XXXX. The first rep said he was emailing XXXX to assure them the card was valid. XXXX laughed about that and said that is absurd and would not ever be something they accept. 

Today, I called back and a rep named XXXX told me that I actually am NOT able to use the card online because of security protection that Amex uses to make sure my money is safe. It's so safe that no merchants won't take the money on websites. We can only use it in person. 

This obviously doesn't make sense so we asked for a supervisor and she said that we can not use the card at ALL at any of the merchants I have tried, even in person. She says the same thing about the card protection being so good for our safety that we just can not use it online because all the online merchants aren't able to bypass these incredible safety measures. And that even in person we can't use the card at these merchants now so we must go in person and find a different company and we can use the card there! 

This is not a solution, we purchased this card specifically with the intent to purchase cat food on XXXX website. We can't get a refund at the store we bought the card from, it's been XXXX hours since our cats ate, we can't order XXXX, we can't add the card as a payment method to XXXX or XXXX or any other financial institutions to bypass this " amazing security '' and none of the merchants we can't get to sell cat food or we would have just gone in person and paid cash in the first place! We wouldn't have wasted {$5.00} to buy a prepaid card if we could just go to a store by us and get cat food! We're XXXX, and XXXX XXXX XXXX and the closest store is over 3 miles away if we tried to walk and it's almost 100 degrees outside. 

I am highly upset, this is absolutely ridiculous and I will make sure to never use Amex again. I have NEVER had a problem like this with a prepaid XXXX or XXXX, and I would have just bought one of those but they didn't have any {$50.00} ones when I went to the store yesterday! This is ridiculous!
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (TX)

Company has no consent to share credit information. Notice of privacy act violations. Company has misused line of credit, line of credit has been compromised and stolen update accounting and balance amount to certificate of deposit amount.
Consumer complaint received 2023-07-06
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. (VA)

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 items 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 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
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: Experian Information Solutions Inc. (NY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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 2023-07-06
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/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
Consumer complaint received 2023-07-06
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. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. 
Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-06
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. (CT)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-06
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. (NY)

I called your department after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX