davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (VA)

There is inaccurate information reporting on my XXXX credit report. I have submitted several disputes online and by mail in regards to this inaccuracy, but XXXX has refused to completely correct the problem, and it seems the company is playing with or " trolling '' my credit score, changing it every couple of weeks by almost 100 points. A company called Affirm Inc. is continuing to report late payments and affects my credit score as if it is an open account. The account is not my responsibility the account was open at a time when I was in college, living with multiple people who may have had access to my information. I have contacted Affirm Inc. to obtain the documentation that would allow me to figure out who may have opened this account, but Affirm refused to provide me with any documents that show I did legitimate business with them, and refused to stop reporting this false information. The account is so old its status should be a closed account in collections. 

On my XXXX credit report it says : Account status : Closed Date opened : XXXX XXXX, XXXX Account type : Unsecured Loan Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date : XXXX XXXX Past due amount : {$390.00} Original loan amount : $ XXXX  Monthly payment : - Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calendar chart on my credit report has marked C for collection since XX/XX/XXXX. Although details of the account clearly show it should be categorized as a Collections account, Affirm has continually sent new late payment notifications, despite my numerous attempts to contact them. XXXX still treats the account as open, even though the contract has clearly closed and is supposed to be in collections. I have disputed this issue with XXXX and Affirm numerous times, to no avail. Just in the past 2 months, XXXX has used this account to drastically change my credit score multiple times. Most recently, on XX/XX/XXXX, XXXX raised my credit score to a XXXX and completely took the account off of my credit summary. However, when I viewed my entire report, the account still inaccurately appeared. On XX/XX/XXXX I contacted XXXX by phone to begin a new dispute, but rather than properly erase the information, XXXX deducted XXXX points, notified me I had a " new late payment '' and my " payment history rating dropped '' the very same day. I have dealt with the same issue several times since XX/XX/XXXX.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Subject : Credit Reporting Error Dispute Account Discharged in Bankruptcy To Whom It May Concern, I am writing to formally dispute the reporting of account number XXXX which is currently being inaccurately reported in my credit profile. 

According to my records and the final ruling of the U.S. Bankruptcy Court, this account was included in a XXXX  XXXX bankruptcy discharge that was finalized on [ Date of Discharge ]. This account should be reported with a status of " Discharged in Bankruptcy '' and a balance of {$0.00}, as per the discharge documentation. 

However, the current credit report shows : Reported Information : No Data Correct Status Required : Discharged in Bankruptcy I respectfully request that Discover Bank investigate this matter and correct the reporting of this account to reflect its true legal status as discharged in bankruptcy. I have attached copies of my bankruptcy discharge documentation, including the relevant schedule of debts and the discharge decree from the court, for your reference and verification. 

Please update the account status in your records and ensure that this correction is also communicated to all credit reporting agencies to which you report. 

I appreciate your prompt attention to this matter and request a written confirmation of the receipt of this letter, as well as an update following your investigation. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CT)

am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. 

Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (DE)

In XX/XX/XXXX, I filed a complaint with XXXX XXXX XXXX and as a results the company agreed to delete their credit reporting. I recently realized their reporting was not deleted from the XXXX credit bureau. On XX/XX/XXXX, I submitted a credit dispute and XXXX days later, CKS Prime has responded that their reporting is accurate when it is not. I am attaching the confirmation that the reporting would be deleted.
Consumer complaint received 2024-09-13
Product: Credit 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: JPMORGAN CHASE & CO. (FL)

Transaction post date : XX/XX/year> Date disputed : XX/XX/year> Date the dispute closed : XX/XX/year> Amount : {$450.00} I filled a dispute for an auto Mechanic fraudulent charge. The mechanic arrived hours late, never provided the service he was hired for, instead he was trying to scam me into paying thousands of dollars to replace a part that was perfectly operable. I refused and he just charged my card without my knowledge. 
In response to my dispute, the merchant provided a document of which he signed it himself, he also edited the document with completely fabricated information. Chase XXXX credit card accepted the merchants fabricated document and closed the dispute in his favor. 
I contacted chase united many times. Every call, I received a different and misleading information on how to reopen this dispute. I sent them documents, uploaded documents on their website, and I even went to one of their branches, the branch uploaded and faxed the documents to the dispute department. 
Calling them to confirm they received the paperwork, the answers are - the documents are not showing on your account, it takes time, we dont know if the fax was received, we cant see what you uploaded, theres no one that can confirm receipt of your documents, BUT they keep informing me that I only have one day left to submit those documents! The last call I made, a representative named XXXX actually told me that there is no option to dispute this charge, and told me next time dont order a service over the phone! 
For my request to speak to a supervisor, I received a reply that a supervisor will call me back in 2-4 business days. Of course after the time limit they stated I have left to reopen this dispute.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Spoken to representative on XX/XX/year>. I notified agent that their reporting of my account is wrong on all XXXX credit bureaus. It states my account is closed which is incorrect. States wrong last payment. Account status states repossession which is the wrong account status. I still have the vehicle in my front yard due to I paid the reinstatement fees and the account was brought to current and have also made a regular payment on the account .so the reported balance is wrong. This has substantially lowered my credit profile more than it should be the company 's false reporting.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

According to 15 USC 1681 I have the right to privacy. My privacy rights were violated due to the XXXX XXXX XXXX. My personal information has been compromised. FTC Report Number XXXX
Consumer complaint received 2022-12-03
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: Credence Resource Management, LLC (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Notice of Intent to Sue for Unauthorized Sharing of Nonpublic Information Dear, Destiny Card I am writing to formally notify you of my intention to pursue legal action against you for the unauthorized sharing of nonpublic information that belongs to me. It has come to my attention that you have disclosed sensitive information without my consent, which is a violation of our agreement and could have significant repercussions. 

The specific information in question includes [ describe the nonpublic information ], which was shared with MIDLAND CREDIT MANAGEMENT XXXX. This disclosure has not only breached our trust but has also caused potential harm to my personal and professional interests. 

I request that you cease any further dissemination of my nonpublic information immediately and provide a written/email acknowledgment of this request Failure to comply may compel me to take further legal action to protect my rights and seek damages for any harm caused. 

Please consider this letter as a serious matter. I hope we can resolve this issue amicably. However, I am prepared to take all necessary legal steps to protect my interests. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank wire transfer and XXXX products : Description of what happened : On XX/XX/XXXX, I was a victim of a phone scam where I called what turned out to be a fake customer service number for XXXX that came up via a XXXX search. It turned out to be a set up to lure people into being scammed by saying they needed to access financial accounts to verify their identity and provide help. The imposter coached me into providing access to my account through XXXX on my phone and XXXX on my laptop. I was instructed to initiate XXXX XXXX transfers and a wire transfer totaling {$16000.00} to test my identity, assuring me that no money would be transferred from my account. When I realized it was a scam, I immediately hung up and called Chase to report the fraud. A full breakdown of my communication, including message documentation and a detailed timeline, as well as FBI, XXXX Police, and FTC reports, were provided to Chase. 
All of this can be found in the following XXXX attachments. 
Although they dismissed me at the time, I have learned that XXXX is addressing this issue via legislation, noting that Chase 's denial of these claims betrayed its most loyal and vulnerable customers, who are highly suspectable to this type of fraud. 
Further, I reached out to Chase in XXXX of XXXX to ask for records of their attempts to resolve my claim and got the brush off again when after a week of " research '' they could not produce any record of their actions to help me. 
Thank you for your advocacy!!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> AMERICAN CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX Subject : Dispute of Inaccurate Reporting Under FCRA Dear American Credit Acceptance, I am writing to formally dispute the reporting of my account with your company, as it pertains to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). This section clearly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I would like to bring to your attention American Credit Acceptance, which I understand is associated with this account, can not collect on a discharged debt. This debt is now considered a certificate of indebtedness per the IRS, and it is my understanding that income associated with this charge-off can not be reported as it is defined as gross or ordinary income by the IRS. 

As such, the reporting of this account on my consumer report is inaccurate and misleading. According to IRS guidelines, income derived from a charge-off should not appear on a consumer report, and therefore, I am requesting that you review this situation and correct the information you have provided to the consumer reporting agencies. 

I kindly ask that you take immediate action to ensure that my credit report is accurate and free from misinformation. I would appreciate email confirmation of your findings and any actions taken in response to this dispute. 

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

Sincerely,
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery is trying to collect {$470.00} with me. 
They reported on my XXXX credit report that I owe their {$470.00}. 
I never open account with them, and I don't have any debts. 
XXXX They refused to listen and want collect money from me. 
I am working hard to get my money and I can't spend it for scammers.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (CT)

PHH mortgage will not send me my promissary note, and will not comply with the terms of my loan modification, i was to receive a forgiveness for a portion of the loan, they refuse to do so. Charged me fees that was their error, they misused funds send to them.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MO)

Stole a $ XXXX security credit application from a consumer XXXX XXXX that was submitted for a consumer credit transaction by XXXX XXXX to purchase an automobile and was then denied transfer of funds to purchase automobile. New York XXXX is the indentured trustee to XXXX XXXX and is in breach of fiduciary duty by denying the credit sale and keeping the security from the application. Violating equal credit opportunity act, federal reserve act section 16 part 1 and 2, and committing securities fraud by keeping the security without the transfer of the funds in which the application was submitted for. Application number XXXX
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ENTERPRISE FINANCIAL SERVICES CORP (CA)

I have opened a business and personal checking account with Enterprise Bank and Trust in XXXX XXXX XXXX, California. Per rep no minimum balance si required and I can even keep it open with XXXX balance after 1 year I just noticed bank closed my both accounts without any communications in any shape or form such as letter, text and phone call. They don't provide proper information how and why by who it happened.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TN)

XXXX XXXX shutdown XXXX XXXX XXXX refuse to work with me. Capital XXXX bank sent my account to LVNV funding LLC. 

My credit limit was {$400.00} max. Somehow the bill owe is {$870.00}. The paper work they sent me never showed how a {$400.00} max limit got to owe {$870.00}. My job because Of XXXX prevent me for paying {$400.00} owe how in the world Im pay {$870.00}? I dont Owe nothing over {$400.00}. I see a {$200.00} interest charge in XXXX  and other interest charge of XXXX. Just fake prices trying get {$870.00}. {$700.00} in interest.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (AZ)

I started receiving emails saying Lendumo has attempted to collect payment but it was return from your bank unpaid. This is probably because I never took a loan out with them!!! They say I owe over {$4300.00} in a {$800.00} loan that was taken out on XX/XX/year>. I went onto their website and put in the email address they sent the email demand too and pressed forgot password. It pulled up a loan document with an IP address under the online signature which is located in XXXX, Arizona. Ive never been to XXXX. I responded to their email with a Cease and Desist indicating this was fraud. The only response Ive received from them is another email stating they couldnt process the payment. I have proof ( via bank statement ) that I never received a {$800.00} loan through them on XX/XX/year> or any date even close to that. I filed a complaint with the Wisconsin XXXX XXXX XXXX  and also stated I would be filing this complaint.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MI)

I am filing a complaint against Early Warning Services ( EWS ) for the unauthorized and fraudulent use of my personal information. I have never contacted this company, nor have I authorized them to access, report, or share any of my personal data. Despite this, EWS has included information in their records associated with my identity, which I did not approve or verify.

At no point did EWS reach out to me to confirm any of the information they are reporting. This lack of verification and unauthorized use of my personal data is not only inaccurate but constitutes identity theft and fraudulent activity. Specifically, there are inquiries and accounts reported by EWS that are not associated with my correct address or personal details. Any account or record that does not list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as the address is false and should be removed immediately. 

This unauthorized reporting is causing significant distress and could potentially harm my financial standing. The fact that EWS is reporting information without my consent or verification is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires a permissible purpose and consumer authorization before accessing or reporting personal information.
Consumer complaint received 2024-09-16
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: WELLS FARGO & COMPANY (WY)

On XX/XX/ at XXXX mountain standard time, I received an email from XXXX XXXX XXXX that a lender recently checked my credit report. When I reviewed the alert on my XXXX  app, I did see and inquiry from WF CRD SVC. It was a XXXX, so I called Wells Fargo on XXXX  morning. In addition, on XXXX, XX/XX/ at XXXX XXXX  mountain standard time, I received an email from IDProtect - Alerts stating a change had occurred in my credit file. When I checked the alert online, I again saw the Wells Fargo credit inquiry. I called Wells Fargo XXXX  morning at approximately XXXX XXXX  and spoke with a lady who found that someone applied for a credit card using my previous last name. She took my current information and sent it over to the Wells Fargo Fraud department. I then went online to XXXXXXXX and placed a fraud alert on my account. I also called XXXX to report the false inquiry to them. I was advised to file a police report. XXXX  afternoon at about XXXX, I went to the police department to file a police report and they denied my request and instead gave me a printed copy of a document called Taking Charge, What to do if your identity is stolen from the Federal Trade Commission XXXX I then went home and started this report.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.