davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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: AMERICAN EXPRESS COMPANY (SC)

American Express is reporting that I owe an alleged debt in reference to account # ending in ( XXXX ). I am requesting that American Express provide verification of this alleged debt proving that I owe the company. Let 's be clear American Express hasn't loaned me anything and neither have I borrowed anything from American Express. The Truth In Lending Act never defines the terms loan or borrower. So why is your company stating that you loaned me money, or I borrowed money. I conditionally accept American Express claim of this alleged debt under the following conditions. Please provide me with a certified accounting ledger notarized and sworn to under the penalty of perjury to attest to the fact that American Express loaned me money, or I borrowed money from the company. Need I remind American Express that federal law ( 15 U.S. Code 1602 - Definitions and rules of construction ) defines a credit card as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. American Express should also provide me with some sort of statutory authority.
Consumer complaint received 2022-07-12
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 (NY)

The name of my XXXX  is XXXX XXXX XXXX XXXX We are a XXXX  accepting credit cards as a form of payment for merchandise purchased from our store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX We are not the cardholder in this case, but the merchant that was paid by a Discover card holder for a XXXX watch that was purchased on XX/XX/2022. In XXXX 2022, we have received a debit from our checking account concerning a dispute raised on a Discover card transaction that was paid to our business. The amount of the debit was for {$3300.00}. The dispute was without merit as this was a card present transaction using the CHIP at our card terminal and the cardholder took possession of the XXXX at the point of sale. We provided all documentation to Discover, and while Discover closed one dispute in our favor, on the other, they credited the cardholder without merit. Sometime in late XXXX, I think it was on the XXXX, we met the cardholder in our store and actually contacted Discover by phone in front of us to confirm that he transaction was valid and that the dispute should be canceled. After the customer spoke to Discover, the customer handed over the phone to me and the Discover agent confirmed to me that Discover will submit the case for correction and that I should expect a credit to my checking account shortly thereafter. The Discover agent also provided me a case # XXXX. However, it has been over 2 months since that promise of credit and my account has still not been credited for this invalid debit. When I contacted the customer, the customer screams that he informed Discover to return the funds to me and that hes not going to pay twice after he already paid Discover. Please look in to this matter as it appears Discover is holding my money after failing to return my money to me. In any event, this dispute was without merit and Discover has debited our account and credited the cardholder without any valid legal basis.
Consumer complaint received 2022-08-05
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. (TX)

Equifax this was put on my credit report my question is why are you reporting to XXXX this this the third time you refuse to answer the question. three times I have asked three times you have dodged the question next I will file with the FTC validate this
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

I received 4 cashiers checks from XXXX XXXX XXXX XXXX XXXX which is affiliated with XXXXXXXX XXXX XXXX all 4 checks are dated XX/XX/XXXX 3 for the amount of {$10000.00} and one for the amount of {$1500.00}, I went to deposit the checks at Wells Fargo at the the teller window they said there will be a hold placed on my checks because the accounts can not be found, but there is a number on the check with an authorization number that my bank Wells Fargo has to call and verify the check for the check to to be released, I called the bank issuing the cashiers check XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and they told me the the checks cleared on XX/XX/XXXX, Wells Fargo will not call or take action to call the number on the check to verify the check to release the hold on my money, granted this is money I received is from the irs through XXXX XXXX, I need Wells Fargo to take action to call the number on the check to verify the checks to take the holds off my checks and they repeatedly keep telling me this is not how they verify checks but the bank issuing the cashiers check told me Wells Fargo HAS TO CALL THE NUMBER ON THE CHECK to verify the check and release the hold on my money, please I need help badly all Wells Fargo is telling me to do is wait until XX/XX/XXXX thats when the checks should be cleared but they are still stating that the account can not be found when all they have to do is call the number on the front of the check to verify and release my funds. The bank issuing the cashiers check told me my money is there on that account waiting for wells fargo to verify the check with them and my bank is not doing anything but telling me to wait until the XXXX and hopefully the funds will go through when all they have to do is verify the check by calling the number on the front of the check and give them them the authorization number that is printed on the check to have them verify that the funds so they can release them
Consumer complaint received 2022-08-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/XXXX XXXX
Consumer complaint received 2022-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have noticed unfair and inaccurate reporting on my consumer credit report, along with multiple inquiries that need to be removed as for I have never received any goods, products, services nor credit from any of those companies. This falls under violation of Federal Law and shall be removed immediately for my safety and as a federally protected consumer. And any address that is not my current mailing address, is consider non-mailable and needs to be remove. It is causing me injury and damage! 
XXXX XXXX Report dated XX/XX/year> states XXXX XXXX XXXX  as the account name which is inaccurate and incorrect as well as the account number listed. 
Equifax Consumer Report dated XX/XX/year> states : XXXX XXXX  XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
XXXX Consume Report dated XX/XX/year> states : XXXX XXXX XXXX as the account name which is inaccurate and incorrect as well as the account number listed.
Consumer complaint received 2022-08-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello, On XX/XX/2022 I visited a bar called XXXX in XXXX XXXX, New Jersey. I ended up losing my Bank of America credit card inside the bar. Someone ended up making {$160.00} purchases on the credit card. I noticed all those fraud charges on my card the next day. I ended up disputed every single XXXX of these fraudelent charges on my credit card. Initially, these charges fell off my card while Bank of America investigated this issue. However, today on XX/XX/2022 I saw that these charges were back on my card and Bank of America sent me a resolution letter. I want to say that these charges are completely false. I don't know what proof the merchant sent to validate these charges, but I know I did not make these charges. After every purchase in that bar, you have to sign a receipt. I'm 100 % willing to do a signature match on every single XXXX of these receipts. It won't match my signature. These charges should not be on my credit card and Bank of America needs to refund me the money.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have contacted XXXX credit reporting agency to dispute three inquires that are fraud because i never request them. Two of them thru XXXX XXXX were done on same day XX/XX/2022. The other from XXXX on XX/XX/2022 they were never requested by me Fraud. I also have Three accounts XXXX  XXXX XXXX, XXXX, XXXX part of Identity fraud report from FTC was submitted to credit reporting agencies and accounts havenot been deleted .I was told XXXX can not dispute and i must get in contact with does companies directly and get a removal code. But when i call the say they don't see any application under my name.
Consumer complaint received 2024-08-23
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. (TX)

See attached, Identity theft report as well as police reports are attached Delete the following fraudulent accounts. I am requesting a 4 day block and delete due to identity theft XXXX XXXX XXXX  {$370.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} {$2300.00}
Consumer complaint received 2022-08-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This company uses harassing tactics to obtain payment. They call repeatedly during the day. They have called me in excess of 8 times on a sunday. They even harass on holidays. They agreed to change my due date for my repayment schedule and it was never adjusted. The company stated they only extended a courtesy for that time being. Which was completely false. An associate clearly asked me was there a better day throughout the month that would be easier for me to make my payment. I replied yes. We both agreed on the XXXX of the month. When I brought this up on one of their numerous harassing phone conversations they refused to pull this particular call and I was told that was only a one time courtesy, which was false. They called me 6 times on the XX/XX/22. I receive up to an excess of XXXX calls from them daily and these calls begin on the XXXX of the month before what would normally be considered close of business, XXXX pm and continue every single day until payment is made. They wont even give it XXXX hours after payment is due to begin to call. This is causing undue stress and Im in the process of obtaining legal representation to stop this harassment.
Consumer complaint received 2022-08-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I find that my consumer file is being irresponsibly tampered with. Over the past 7 months I have made several attempts to remind equifax of their duty pursuant 15 USC 1681. It appears Equifax is intentionally and willfully being neglectful in remedying my affairs.

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

I have been disputing these accounts with equifax and i have called them on numerous occasions. On every occasion the reps either didnt understand English and werent helpful and other times they were rude and hung up me. Including supervisors. Equifax failed to provide method of verification during their investigation as well as their reinvestigations. 

15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be removed. 

Equifax willful negligence in properly investigating my disputes have caused me a tremendous amount of stress due to the amount of time spent to remedy my affairs.
Consumer complaint received 2022-08-05
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. (IL)

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.
Consumer complaint received 2022-08-05
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. (FL)

on XX/XX/2022 Equifax investigated a collection and determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( B ). Which states ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

To this day I have not received anything in writing with a statement of the disputed information. 

Account Name XXXX XXXX XXXX or XXXX Account # XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AR)

I called on XX/XX/2022 the supervisor XXXX stated she could not remove any information from my consumer report without out permission of the lenders I stated that she was in violation of the Fcra 15 usc 1682 ( b ) EQUIFAX didnt not exercise their grave responsibilities with fairness impartiality, and respect for the consumers right to privacy. 
She is also in violation of FCRA, 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( A ). This prohibition is reinforced in subsection ( 1 ) by the prohibition against furnishing inaccurate information after notice of actual inaccuracy from the affected consumer. 
XXXX also stated she knows Im the original creditor but she proceeded to violate my rights this company never had permissible purpose and never was instructed to furnish or create a report I never gave consent for to the reckless and unfairness of my consumer report I am seeking litigation due to the incompetence of this company and withholding my information in which they are not supposed to have They have violated my rights and also my privacy due to the fact that the information is inaccurate pursuant to 15 usc 1681c ( a ) ( 5 ) only criminal convictions of crimes which antedates the report
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

our mortgage company has over the years been increasing our mortgage and we are on a fixed mortgage and they do give as an explanation an escrow analysis and it came down to according to the mortgage company an increase in property taxes our problems with this are many it is nearly impossible to keep up with fluctuating mortgage payments and creates a tremendous hardship to the family in which we did fall behind by two payments in reality we requested to be taken off escrow when not delinquent and we were turned down in addition we were not treated fairly by the mortgage company as the only option they gave us under loss mitigation was to increase our mortgage once again it was only after i complained to them that the company gave us a denial letter and falsely claimed that i did not submit all information which i did by fax and have the documentation to pove it.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have contacted XXXX regarding XXXX late payments theyre reporting on my credit. When the Pandemic first happened and I was financially impacted, I notified them and they told me my payments were suppose to be in forbearance. They assured me that they werent reporting late payments at all because of the Natural Disaster of C19. Upon me checking my credit report the ending of last year, I seen they have reported as late payments. I have been contacting them via Mail and also over the phone. This is hindering me tremendously! Those XXXX years was very tough for me. Not only did I loose more than 50 % of my income but I lost my mother at the same time. I had to pay for her funeral expenses. I also told XXXX the same. They assured me that I wasnt going to be affected. But I am. I have improved my payment history since the world opened back up.
Consumer complaint received 2022-08-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I'm a victim of Identity theft. It all started about two year ago, when a lawfirm from Virginia called me to verify an application to lease an apartment. I told them I never apply to lease an apartment. And at that moment they new someone was using my personal information to commit fraud. So I immediately contacted the law enforcement at that state to report it. I also contacted the diferent credit bureau to freeze my credit. After a while I started getting calls from debt collectors telling me that a owe $ XXXX to $ XXXX. I told them someone else is using my personal info to commit this frauds. They requested more paperwork from me and that's what I'm doing now to proof my self that I'm not the person causing these debts collections.