davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
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. (TX)

all ftc violations listed : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 77 Months Monthly Payment {$850.00} Responsibility Joint Account Balance {$39000.00} Highest Balance {$37000.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late XXXX Remarks Affected by natural disaster Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$360.00} Highest Balance {$360.00} Payment Status Collection/Charge-Off Worst Payment Status - XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$130.00} High Balance {$130.00} Remarks Medical XXXX XXXX {$330.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$330.00} High Balance {$330.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$200.00} High Balance {$200.00} Remarks Medical XXXX XXXX XXXX  {$830.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$830.00} High Balance {$830.00} Remarks Consumer disputes this account information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX + {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$150.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$830.00} Original creditor : XXXX XXXX XXXX
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I called XXXX  multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to XXXX  with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from XXXX  that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( JP Morgan ) so that they change the SSN to the correct one. The next day, I contact JP Morgan and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that XXXX  is still reporting the wrong one. On XX/XX/XXXX, I call XXXX  again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from XXXX  saying that they went in and fixed my social security number, but my creditors ( JP Morgan and Goldman Sachs ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with JP Morgan on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Leap Credit, LLC (SC)

Due to extenuating circumstance in my immediate family, I took out a payday high interest loan with Leap Credit {$1000.00}. I now realize these loans are of no benefit to working families. My father was hospitalized from XX/XX/2019 through the end of XX/XX/2019. This loan was taken out to provide needed resources to my mother with massive medical financial constraints of my father 's care. I took out what I thought to be a short term loan with hopes of an early payoff. After a few large direct debits from my bank account I examined my balance and was looking for an early payoff. Thank goodness I reviewed the balance of my account in the online portal. They are fraudently attempting collection against my bank account and refusing to negotiate a payoff. I called Leap Credit on several occasions to request for them to update my loan terms and balance and they refused. Due to the nature of the inaccurate information and Leap Credit 's denial of blanket checks against my bank account ( they do not list their name on the debits ), I requested for my Bank XXXX XXXX to investigate and place a stop payment from this company. See a copy of the ghost bank drafts.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

Called Chase Auto on XXXX XX/XX/2022 in regards to them reporting a late payment on my credit report when in fact all of my payments have been on time. Customer service rep stated that there were two payments entered for XXXX, via 2 money orders and I was 36 days late on my XXXX payment. Customer service rep also stated that my XXXX payment was reversed. That is not true I have attached my XXXX  account information to show payment was sent on XX/XX/XXXX to Chase auto. And received. I also have added my statements to show there wasn't a reverse payment or money credited back to my account as there is never a reason why this would be happening. I have screenshotted all the evidence and payments. 

My credit has taken a hit due to this malfunction on chases side and it has affected my payment history. dropping my credit XXXX points on XXXX so far. 

I have recorded calls with customer service for todays call as well as last months call. I let them know that I was recording the call myself and will provide the evidence as needed
Consumer complaint received 2018-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2018 I called Transunion and faxed the requested identity theft reports from the Federal Trade Commission and was told that the items would be disputed. I informed the representative that I was not trying to file a dispute, that the listed items were fraudulent accounts that resulted from identity theft. I spoke with a representative today and was told the FTC reports " did not meet their procedures for blocking accounts. '' I asked the rep to send validating documents that were used to verify the accounts, which I was informed they couldn't send. I'm just frustrated not only was the US supervisor ( rep ) speaking in a very rude manner, but I just don't feel it is fair for these accounts to still be reported when they do not belong to me. I couldn't even get the addresses linked to these accounts. I've previously tried contacting the creditors directly to no avail. They sent bills, no contracts with signatures or anything so I'm thinking the accounts were possibly opened electronically.
Consumer complaint received 2020-07-18
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX BANK ACCT : XXXX XXXX : {$760.00} XXXX XXXX XXXX  ACCT : XXXX XXXX : {$1600.00} XXXXXXXX XXXX XXXXXXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXXXXXX XXXX ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX  via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SC)

This is a follow up to complaint # XXXX. 

In XX/XX/XXXX, I took out an installment loan with Big Picture Loans for {$1500.00}. The advertised interest rate was 57.35 % which in and of itself is outrageous. 57.35 % of {$1500.00} would be {$860.00}. The cost of the loan would then be {$2300.00} To date, I have made 12 payments for {$290.00} each totaling {$3500.00}, more than double the amount of the loan and {$1100.00} more than the cost of the loan with 57.35 % interest. 

BPL has me making 14 more payments for a total of an additional {$4000.00} making my amount paid in full {$7600.00}. This is 5 times the amount of the initial loan. This actually equates to 407 % interest. 

This is predatory and creating a financial hardship. Due to this exorbitant interest rate, I would like assistance in settling this loan for the amount paid to date ( {$3500.00} ). BPL will have profited nearly 2.5 times the amount of the initial loan and has recouped more than the advertised 57.35 % in interest. 

I have researched this company on the CFPB website and see this is a recurring complaint and the end result is BPL closing the loan as paid with the amount paid to date. This is the resolution I am seeking before my next due date on XX/XX/XXXX.
Consumer complaint received 2019-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 two payments were sent to XXXX from my account in the amount of {$160.00} & {$490.00} who I believe was scamming online! I told chase about it n they said I authorized the transaction. I called them to tell them I was recently released from jail I had just canceled two cards literally that morning due to fraudulent charges while incarcerated. The rep said this phone call is recorded I told her I know n asked to speak to a supervisor because either she misheard me or I misspoke she agreed then hung up. I was telling her I called earlier to cancel cards  and all the other transactions on XXXX were mine EXCEPT the last two transactions on XXXX. I was literally explaining others situations I was reading from my email from the other victims XXXX I guess she thought I was talking about myself Im not sure. This was the 2nd fraud on my account in 24 hours which is why I was calling in to begin with. I let her know that I was in contact with others who were scammed the same way and I had information for them if needed and she didnt care n said I  authorized all transactions. Im highly disappointed in chase for this Im trying to get back on my feet and this is how they treat a victim of fraudulent transactions its ludicrous to say the least.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NV)

Citicards Cbna Reported XX/XX/2010 0 % Balance : {$0.00} / {$5400.00} Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$5400.00} Minimum monthly payment {$0.00}
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX XXXX and they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2024-11-08
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2019-09-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

After 30 days of initial dispute of the disputed XXXX XXXX account # XXXX, asking to validate account, equifax failed to do so and deleted the account, I learned today they reinsterted the account without notifying me, according to FCRA previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement was not practiced. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 
Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ) only in cases where the deletion occurred as a result of the finding in a dispute.
Consumer complaint received 2019-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/2019, I spoke with a lady whose name was XXXX XXXX on XXXX/XXXX   regarding 2 tickets for a concert. She told me she would sell me these tickets for {$40.00} each. She requested me to send the payment via PayPal Friends and Family so I would be responsible for the fees. I requested all her information to submit the payment. She sent me an email for the payment ( XXXX ). 
She also sent me the ticket information, which was section 1, row K. 
I sent her a payment of {$86.00} including fees and I also included in the comment section of the payment all the information for the concert I was purchasing the tickets for. The concert tickets were for XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX, NC on XX/XX/2019. 
I sent her a copy of the transaction showing the payment had been sent. She messaged me back and said she was waiting on her husband to come home and check his PayPal account to make sure the payment was received before sending me the tickets. I told her that was fine and to let me know when she sent the tickets. 
I sent her a message hours later for the tickets and told her if I didnt receive the tickets, I was cancelling the payment. I logged into PayPal at that point and it didnt give me the option to cancel the payment at that point. She messaged me back saying she would send them in just a few minutes, and I waited. I again messaged her and ask for the tickets and she then blocked me. 
The following day, XX/XX/2019, I called and spoke with PayPal regarding the fraud of this lady. PayPal then told me to contact my bank. I contacted my bank, XXXX XXXX, and filed a claim with them. XXXX XXXX said they would be contacting PayPal as part of their investigation. 
I later received a letter from XXXX XXXX that the claim had been denied because PayPal stated the transaction was successful. I called XXXX XXXX again and they said it was up to PayPal with any issues regarding this payment.
Consumer complaint received 2021-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Ive tried to contact the three credit bureaus about a few late payments that were reporting in error. I have not heard back from them since XXXX. These late payments and unauthorized credit inquiries are included and Are highlighted. I used my most recent credit report. The credit bureaus violated my FCRA rights of section 611 ( a ) for failure to investigate within 30 days. It states that the information should be removed immediately if cant be verified within 30 days. 
I demand that the accounts highlighted in the proof submitted be updated with no late payments and the unauthorized inquiries be removed immediately or I would seek litigation to take care of this issue. Im also a victim of Equifax Data breach which my information was used to make all of the inquiries that are on my consumer report.
Consumer complaint received 2019-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

On XXXX XX/XX/XXXX I received alerts that this collections company " Capio Partners LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, tel XXXX '' placed an entry on my XXXX and XXXX credit report for the amount of {$91.00}. Because I did not recall receiving a letter or any type of communication from the company regarding the matter I contacted them and spoke with a representative regarding the debt. She advised it was the remaining unpaid balance of a hospital bill. She read the address to me and it was not the correct address, so I provided her with my correct address. I told her that what her company has done was illegal as it violates FDCPA law ( specifically section 809 ) because I was never given an opportunity to even review their claim of the debt owed, to research it on my own, or even dispute the amount because again, they sent the bill to the wrong address. So the representative asked me to hold and she comes back and says that her supervisor agreed to delete the entry from my credit report if I paid the debt since they acknowledged that they did in fact send the bill to the wrong address. I said that was not acceptable because it is still in violation of FDCPA law, I said no you must first remove the entry on my credit reports, send me an official bill/statement to my correct address, then allow me to exercise my rights as a consumer or pay the debt if it is in fact owed. She again said that I was incorrect, that they would only delete the entries if I paid the debt. I told her that she was wrong once again, I asked her to send me a copy of the bill, and then I advised her that I would be filing complaints with the XXXX and the CFPB because what theyve done is illegal. Then today when researching their company to file this complaint, I noticed in my personal email that I had communications with their company back in XX/XX/XXXX where I had them update my address and to send any further collections notices to my proper address. A lady by the name of XXXX XXXX acknowledged that I was correct and sent deletion notices to the credit bureaus and send me a letter indicating that she had in fact requested the deletions. They were deleted within a week I believe. I Feel that this company has a bad habit of placing entries on consumers credit reports with no regard for FDCPA laws. Additionally, by the representatives response of theyll delete it if I pay it was more of a bribe attempt in my view. Instead of her acknowledging that they did not follow the law with my particular debt they claim I owe, they wanted to extort monies from me first before I even had a chance to research to see if the debt was even owed. This is incredibly inappropriate for any company to do to a consumer in my view.
Consumer complaint received 2019-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (IL)

I had a loan with this company in XXXX and it went to collections and it is now on my credit report. I have emailed this company in the past and have sent letters about paying the debt and having it removed from my credit reports. I emailed them again on XX/XX/XXXX 2 different times and the last rep stated to me i was being helped with someone from another department and that i would get a response back. i havent heard anything at all and i want this removed off my report. I stated i would pay what i had remaning but i wanted it to be removed and no one has gotten back to me at all. I have been waiting.I have not gotten any correspondence via email or mail or phone.