davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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: Paypal Holdings, Inc (AL)

I received a XXXX dated XXXX Invoice Number : XXXX stating Dear Sir/Ma'am, Your annual plan of PAYPAL has been renewed for the upcoming year. It has charged {$390.00} against my registered account. They said this transaction has been don successfully and soon it will be reflected in your banking statement. As per signed document this plan will be auto renewed and the following charge will be auto deducted from your a/c. Description : BTC ORDER Quantity : XXXX XXXX XXXX : - {$390.00} Total : - {$390.00}. If you didn't authorize this charge, You have 24hrs.to Cancel & get an Instant Refund Of Your Annual Subscription, Please contact Our Customer Care : XXXX XXXX. Thanks & Regards XXXX XXXX security services, XXXX. The XXXX had the PAYPal logo at the top and bottom of this text. I contacted XXXX XXXX XXXX  XXXX XXXX and asked them if this phone number was valid for their security services, and they told me to delete this gmail and report this to FTC.gov or Ic3.gov to report it as scam. I was referred to you. I can't remember the last time I used PAYPAL. We have been hacked before on our computers, by people claiming to be XXXX XXXX technicians. I believe this is another attempt. Thank you.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Despite numerous attempts, I have been unsuccessful in resolving the presence of fraudulent inquiries on my consumer report. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their inclusion has inflicted considerable mental and financial strain. As a victim of identity theft, I am left with no choice but to contemplate legal recourse if this matter remains unresolved. These erroneous and deceptive entries on my consumer report have impeded my aspirations to purchase my ideal home and provide for my family 's needs, significantly impacting my financial stability. For your reference, I have enclosed a copy of the letter previously dispatched to the Federal Trade Commission ( FTC ), delineating this issue and seeking its resolution.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint personally to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters concerning this matter over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter promptly and efficiently.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, 2022, I was having dinner with my wife and attempted to pay with my Chase credit card. Mind you this was in a rather crowded restaurant. The waiter returns saying that my credit card was declined. I paid with another card. Upon contacting Chase Credit Card services and inquiring about the decline ( considering that my account is in excellent status and have never had a problem with it ). The representative advised me that there was nothing the matter with my account and that the decline was ordered due to Chase requiring positive identification that I was the one making the purchase. This was infuriating to me, as I had mentioned, because I have never had a problem with any of my credit cards. I asked to be transfered to a supervisor and I made it perfectly clear to him that I had used this same card on a couple of other occassions on this same date and that I wanted a valid explanation as to why this transaction was declined. He said that it was because Chase was requiring positive identification. And that Chase was trying to " protect my account '' from fraud. In a polite manner, I told this man that he was lying. Chase ( or any other credit card company ), does not " protect '' their cardmembers. They are protecting themselves. As cardmembers in Texas are not liable for credit card fraud with the exception of {$50.00} I made it clear to this person that the matter was extremely upsetting and quite embarassing to me due to the location where I was at when this card was declined. My complaint to your office will consist of the following. If this was indeed a fraud decline, I am requesting from Chase Credit Cards services, a detailed number of other declines that were processed on this same date for this same reason. As I am accusing Chase of singling my account out specifically. If they are not able to present proof that other cardholders experienced this same process, then I request that the CFPB invesitgate the process by which Chase Credit Card services is abusing my rights as a cardholder by declining charges that I am able to make based on my excellent credit history with their company and with sufficient credit limit to make this charge. Again, I believe I was singled out unjustly in this matter.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to highlight the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) regarding an issue with my account. I believe this account has been reported incorrectly and should be investigated and removed. This misinformation is adversely affecting my credit score. The details of my complaint are as follows : XXXXXXXX XXXX XXXX Balance Owed : {$XXXX}
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

As I'm paying off my auto loan, I noticed many late payments that are reporting. I do not believe all of these late payments are accurate. It is very important for me to have a correct and accurate report, as it is also the law. My XXXX XXXX account is inaccurately showing late payments. Please investigate and provide proof with statements showing late payments. If these late payments can not be verified, please remove and update to positive status.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have been unable to access my XXXX  account for nearly a year since XX/XX/XXXX of XXXX i have been requesting access to my myEquifax account and being given no help apart from case numbers for an escalation to their " TECHNICAL SUPPORT TEAM '' they said there would be a XXXX turnaround of XXXX business days til i would be given access this began in XXXX of XXXX where I have been calling and begging someone to help me. My most recent case number made today in an effort to give them one last chance is XXXX, once again the agent could give me no help in actually accessing and using my account and assured me it would be handled in XXXX business days.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
( List all accounts : ) ''
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXXXXXX XXXX XXXX My correct date of birth : XXXX  My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXX , XXXX, FL XXXX My employer is : XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Recently I applied for a new loan and found that XXXXXXXX XXXX had reported two late payments over past 24 months. One during transfer from XXXXXXXX XXXX to XXXX XXXX. The second after requesting a modification to ease financial issues due to long covid. The second was made to defer two payments across the 12 months after the two month deferment. However after twXXXX months of forms back and forth XXXX XXXX sent a loan modification increasing my rate from 2 3/4 % to 7 % with an additional XXXX balloon payment. I rejected and restarted payments and was making up payments during thier data breach. Though I try to keep XXXX XXXX upto date so how they reported late payment for XXXXXXXX XXXX. Also should be noted for no reason the increased my payment after deferment request by over {$400.00} per month. After discovering late payment on credit report due to new loan application I requested XXXX XXXX take action to correct, as of today after more than 30 days XXXX XXXX still has it in research while my new loan is holding for an answer.
Consumer complaint received 2023-03-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clarkson Law Firm, LLC (SC)

Judgement that I was unaware of was placed in the State of XXXX for a car repossessed in XXXX. I bought a home in XXXX of XXXX with a credit check done. Nothing was said about this judgement. XX/XX/XXXX I was served paperwork that I was being sued by a collection agency here in XXXX  XXXX  for that old debt. 
They have filed a affidavit with the county of XXXX XXXX  that I must pay the amount of {$4200.00}. I do not believe this debt office owns this debt and have improperly represented themselves has owning this debt. 
I also have had extensive XXXX XXXX  and and XXXX XXXX  with XXXX XXXX for my job and this judgement was never brought to my attention.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc. (UT)

I hired XXXX XXXX XXXX to track my ex-husband for XXXX weeks in XXXX of 2019. I was charged for services well beyond the agreed time frame. I was even charged for GPS tracking after the device was said to have been removed. The fees and charges applied to me are inflated and/or ficticious. The invoice statements reflect 'double dipping ' - charging me twice for the same services, charging me for mistakes on their end, charging me for services before the agreed time of service, and charging me for services that could not have occurred after the GPS device was said to have been removed. 

Please carefully review the invoices included below.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KCB Credit LLC (FL)

I am a victim of identity theft and the unauthorized inquiries reporting continue to damage my credit reputation and I am refiling this complaint to KCB CREDIT LLC. I am writing to appeal that you block the non authorized information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiry. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I just looked at my credit report, which made me quite depressed since I discovered items that your agency didn't double check to make sure were accurate, erroneous, and dubious. 

Everything on my credit report needs to be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely accurate. Copies of all the letters are attached below.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is not my account this is not on my other consumer reports and this should be removed from my consumer report Im not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX ; they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 ),
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit had called in past, were told I owed them nothing and had no debt. And they didnt have the correct pho e number. It continued for a while then stopped. They have since began to call once again.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.