davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

COMPANY INFORMATION : PORTFOLIO RECOVERY ASSOCIATES INC INVOLVEMENT : Debt Collector ACCOUNT NUMBER : XXXX COMPANY INFORMATION : XXXX XXXX XXXX XXXX : Original creditor ACCOUNT NUMBER : XXXX My latest credit report shows two companies on my credit report PORTFOLIO RECOVERY ASSOCIATES INC the debt collector and XXXX XXXX the original creditor. 

I ask that the follow debt reporting be removed immediately from my credit file for false statement/ representation ( trying to collect wrong amount, attempts to collect debt not owed ( debt was, discharged in bankruptcy ) on my XXXX XXXX credit report XXXX 

o Original creditor XXXX XXXX XXXX XXXX Balance : {$1100.00} Sold to creditor : PORTFOLIO RECOVERY Balance : {$1600.00}. 
Charged {$480.00} more than the previous balance from original creditor XXXX XXXX o Invalid date of delinquency statements sent by PORTFOLIO RECOVERY only shown late payments/interests accruing not first delinquency. 

o XXXX XXXX XXXX account sold to PORTFOLIO RECOVERY account opened XXXX XXXX XXXX XXXX XXXX XXXX. During the first quarter of XXXX, The XXXX announced it would be closing 42 stores in 14 states, in addition to five stores previously announced. [ 15 ] However, it was not enough to save the company from its large debt. [ XXXX ] On XXXX XXXX XXXX XXXX XXXX revealed it had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX 's downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. [ XXXX ] [ XXXX ] In XX/XX/XXXX, The XXXX XXXX XXXX XXXX for XXXX XXXXXXXX bankruptcy protection. The company had not made an annual profit since XXXX. [ XXXX ] On XX/XX/XXXX, it was announced that Washington XXXX XXXX and XXXX XXXX XXXX would bid to save XXXX from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. [ XXXX ] On XX/XX/XXXX, The XXXX announced it would liquidate all 267 stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX  XXXX bankruptcy to XXXX  XXXX. They acquired the inventory and other assets of the company and sold it all off. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. [ XXXX ] XXXX. I shouldn't owe a debt to a company that has closed all physical locations, filed bankruptcy, and liquidated all assets.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (SC)

My account was restricted on XX/XX/XXXX because I transferred funds from my XXXX account to my SoFi account, both of which are in my name. It took about XXXX days for these transactions to post. As a XXXX, I forgot about these charges to my XXXX account, and when the funds were deducted, I panicked and reported them as unauthorized. 

This led to my XXXX account being restricted, and they asked for verification. I completed the verification on XX/XX/XXXX, but the restriction was not lifted. I then contacted XXXX and told them to drop the claim, which they successfully did. I explained this to XXXX, and they requested another verification on XX/XX/XXXX, which I completed on XX/XX/XXXX. Despite completing all the requested verifications, the restriction on my account has not been lifted. I have been calling repeatedly, but they still have not lifted the restriction, and I need access to my account to pay my rent. 
I cant wait no longer I need access to my account and the money, its so bad I completed the verification they required all the verification.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXXXXXX XXXX XXXXXXXX account number XXXX Date opened XX/XX/year> I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-03-16
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: Bread Financial Holdings, Inc. (ME)

This is a follow up to complaint # XXXX. The original complaint was due Comenity Bank closing my credit card because " security concerns ''. I provided them with all requested documents showing my identity. They replied back, stating that after reviewing the information that they had " continued security concerns '' and was permanently closing my account. No explanation why they had " security concerns ''. I have now sent them a letter requesting an itemized list of their " security concerns ''. 
It seems odd that a month after I turned XXXX, that they close my account. Age discrimination??
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am exercising my right to have this issue investigated and disputed as these accounts are incorrectly reported on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report on my credit file. I am aware that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I recently reviewed my credit report and noticed the following companies. XXXX XXXX, and XXXX XXXX on my credit report along with multiple inquires which are included in my identity theft report. I have never established business with these companies, nor gave permission to these companies to run my credit report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-27
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I Have XXXX AMEX ( American Express ) prepaid gift cards I have attempted to use in multiple locations ( XXXX, XXXX, brick and mortar stores, XXXX wallet ). It shows an active balance on Amex 's website, Amex advertises these cards as " widely accepted '', and all are consistently rejected when I attempt to make any purchase in any location. This widely tracks with online experiences of many others who have run into the same problems with their AMEX gift cards becoming largely useless, and I sincerely hope that beyond addressing this specific issue the CFPB is considering a more systemic investigation into AMEX 's business practices regarding these cards. The card number is below : $ XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to formally express my concern regarding several disputed accounts on my credit report. I have previously raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX XXXX number is XXXX and claim number is XXXX I shouldn't have got billed from the {$2.00} by it self into two different billed charges and {$28.00} they have added the {$2.00} in the {$28.00} but they billed me for the {$2.00} again for no reason and I have contacted the customer agent by support on XXXX telling the issue but they couldn't refund me for both payments I want a refund for both payments etc. Update I only got temporary credit for {$2.00} and then a temporary credit for {$2.00} total I got was for {$5.00} and I never got the full credit for {$25.00} I am disputing that full amount too as wrong amount so that amount need to be credit in my account for {$25.00} because I told the agent who open both disputes I am dispute the whole amount for {$2.00} and {$25.00} I didn't get the {$25.00} credit please add it to my account My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking XXXX XXXX please dispute the whole amount for {$25.00} and give me a credit for that amount to {$25.00} and reference number is XXXX and reference number is XXXX etc.
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 THESE ITEM ON MY CREDIT REPORT NEED TO BE REMOVE DUE TO IDENTITY THEFT AND FRAUD
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX, XXXX, and Equifax credit report on XX/XX/year> and noticed some things are incomplete with adverse information and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible ACCURACY of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person KNOWS or has REASONABLE CAUSE to believe that the information is inaccurate.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC (PA)

I been dealing with this for yours the dealership stated I traded Im car which I didnt when I say the paper work Im not sure how they got that information. I traded my car with a different dealership as well they had a job listed as a car wash worker which Im not. I never had payments. Been fighting with this company I called to see if I can get it off my report they told me no. I traded my vehicle in XXXX and purchased a XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX, XXXX, and equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible ACCURACY of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ALSO - referencing the last activity dates vs closure dates vs the last updated dates vs amounts owed in same month says {$0.00} balance and {$13.00} balance I owe {$0.00} on this account. Also I did not request this account to be closed. The account closed because the company filed bankruptcy and had to close and sent an email which I will attach both my documents of proof to this complaint.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.
Consumer complaint received 2024-07-15
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. (FL)

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 XXXXccount Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.