davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello and good day, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (MN)

Hello- I keep getting calls on my landline phone which is  XXXX . They ask for a  XXXX   XXXX  or something. Our last name is  XXXX , the only reason I thought the caller might want us is because there was a "  XXXX  '' in the last name they were trying to reach. I asked who they were. They said it was a private matter and could only talk to him. I told them I had power of attorney and they could talk to me and asked them to identify themselves several times. She would would not, but she sounded legit ( not a weird accent nor any threats or poor  XXXX  ). Then the caller said she could tell me what the call was about if I told her my husband 's birth date. I told her I would not provide personal info over the phone. I kept asking the caller to identify themselves and she refused by saying it was a private matter. The call came from  XXXX , When I tried to block the call ( using  XXXX  ) I received a message that, that phone number was invalid. I called the number  XXXX  and the message "  Credit Corp Solutions ''. I called again and some one named "  XXXX  '' answered. We pay our bills on time and have good credit scores, perhaps there is a bill we missed however we have never received anything in the mail and the caller had our last name so wrong, almost unrecognizable. Honestly, there was no way I was going to give out my husbands birth date to someone who was not identifying themselves ( actually even then I would not give out that info over the phone to someone I do not know ). My husband is in  XXXX   (   XXXX    XXXX   w/ over 20 years  )  until  XXXX  That is why I have power of attorney. In the mean time, I have contacted him about this matter. What I want to know is, what is the deal with  " Credit Corp Solutions '' ( if it  is them ) how come they ask for private, sensitive info over the phone, why wo n't they tell me who they are when calling MY phone number, and why do they use a number I can not block?
Consumer complaint received 2017-05-15
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: Senex Services Corp. (MI)

XXXX  collections on my report are wrong and should never have been put on in the first place!  1 ) Sent Senex  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  Senex refuses to verify this info with   XXXX   XXXX   XXXX   ( I  do n't know about  XXXX  ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was stunned this morning to find inaccurate accounts appearing on my credit report. I have no clue why this happened. I checked my report as usual, but this time, unexpected discrepancies showed up. I even tried refreshing my browser to see if it was a glitch, but the inaccuracies remained. I need those documents I've sent to be carefully reviewed so I dont have to worry about this again.
Consumer complaint received 2024-08-27
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. (GA)

I was absolutely shocked this morning when I saw inaccurate accounts on my credit report, and I have no idea why this is happening. I check my report regularly, but this time, I was alarmed to find discrepancies that came out of nowhere. I even tried refreshing my browser, thinking it might be an error, but the incorrect accounts didnt disappear. Because of this, Im urgently requesting that the documents Ive sent be carefully reviewed so that I dont have to worry about this again.
Consumer complaint received 2024-08-22
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. (GA)

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any account listed on an id theft report. Please find the required documents to assist in the removal of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$52.00}
Consumer complaint received 2024-09-29
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (IN)

XXXX XXXX is negatively reporting a vehicle loan on all three of my credit profiles. I have never had a loan with their company nor held a vehicle loan before. I am wanting this removed immediately so that I might be able to stop being denied for currently needed credit.
Consumer complaint received 2017-05-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

On Saturday morning around   XXXX   XXXX  , I went to the Chase Bank #  XXXX  on  XXXX   XXXX   XXXX   XXXX  in  XXXX , Texas to try to open an savings account. I was received by the Teller I asked her nicely that I wanted to open an savings account and she kindly said I needed two forms of identification, which I had at the moment my current Texas  Driver License  and Social Security card. She never mentioned that I needed other forms of identification. Few minutes later, the  manager, he could do for me : I explained I needed to open an savings account for the amount of {$820.00}, without him asking me I set both identification cards on his desk. Then he asked me for my legal status if I was citizen or a resident. I told him that no one disclosed that I would need my legal status in order to open an account and that at other institutions I was only asked to give my  two forms of identification that I mentioned earlier. I feel that is a racial issue and stigma towards me. I told him that " I felt discriminated '', and he rudely told me " no one has ever said anything like that ''. Regardless of the banks policies, I felt that two  forms of ID were enough for me to open an account with them. I feel that my civil rights were violated by this man. I strongly do not feel he should be in charge to represent as  the manager of this   outstanding bank or any bank institution. The teller never told me I needed my citizenship or resident alien card. I do n't feel that my legal status define me as a person with a lot of money or no money at all for him to treat me this way. I would want people to know so that it wo n't happen to them. Th e manager in   the Saturday morning shift. He rejected me with all possible intention. I spoke   XXXX   to him in all conversation because I felt comfortable speaking in our native language and that is how I initially asked, he never thought that I spoke   XXXX   to begin with. How was he able to define my legal status? By my appearance? I am very disappointed. Am I to bring my citizenship card to open my account? Saturday morning  X/XX/2017
Consumer complaint received 2024-08-22
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 2024-11-01
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. (UT)

XX/XX/scrub>XXXX  Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting.

To Whom It May Concern : I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly.

Payment History and Errors Experian similarly maintains the incorrect late payment entry for XXXX, despite my past disputes. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Experian. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. ()

Subject : Urgent : Resolution Needed for Credit Report Mismatch Dear CFPB services I hope this message finds you well. My name is XXXX XXXX, and I am a new student in XXXX, having arrived in XX/XX/year>. I applied for a credit card with XXXX shortly after my arrival, but I was informed that my application could not be processed due to an issue with my credit report. Specifically, my credit report appears to be mixed with that of another individual. 

I immediately contacted XXXX upon discovering this issue. However, despite numerous follow-ups over the past nine months, the situation remains unresolved, and I have received varying responses from your team. 

As a new resident in XXXX, establishing credit is crucial for my financial stability and integration into the country. The delay in resolving this matter has significantly impacted my ability to do so. 

I kindly request that this matter be escalated to the appropriate department and resolved as a priority. I would appreciate regular updates on the progress and a clear timeline for when I can expect the issue to be fully resolved. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in correcting my credit report. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: VW Credit, Inc (SC)

My XXXX VW XXXX is at the dealership for about a month due to a XXXX XXXX XXXX ( XXXX XXXX XXXX ). It still under factory warranty and I'm still paying for lease till end of XX/XX/XXXX. Since I can't use the vehicle which I'm renting ( leasing ), it's only fair not to pay for the same period car still at the dealership for repairs which is about a month. 

Car VIN # : XXXX. 

The VW dealership repair order number is XXXX ( XXXX XXXX )
Consumer complaint received 2024-09-11
Product: Credit 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: Sezzle Inc. (IN)

Sezzle is a buy now pay later company. I was required to pay for a down payment for my purchase. On XX/XX/XXXX I attempted to purchase something through XXXX via Sezzle. I was told that my card would not get charged for a down payment until the order goes through. The order was not successful however my card was charged by Sezzle anyway. I completed a alternative purchase from XXXX through Sezzle and my card was charged for that down payment. I contacted Sezzle on XX/XX/XXXX regarding my card getting charged for a down payment for a purchase that was never completed. I contacted Sezzle via their " 24/7 '' live chat. I did not receive a response until XX/XX/XXXX. They did not address my card being charged for a non existent purchase. On XX/XX/XXXX I was told I would be refunded in 7/10 business days. However I never received my refund. The issue is I should of never been charged in the first place. They claimed I got charged for a cancelled purchase, but the purchase was never cancelled, it declined. The purchase never went through so therefore they were never suppose to charge my card.
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (PA)

I recently checked my  XXXX  Credit Report  &  found a collection account owned by  Berks Credit &  Collections. It is a medical debt in the amount of {$130.00} that was placed for collection on  XXXX   XXXX . The original Creditor on the account is  XXXX   XXXX   XXXX   XXXX . I disputed the collection account through  XXXX  in  XXXX    XXXX  . The reason for the dispute was because I do not have a contract wit h Berks Credit & Collections, wri tten verbal or otherwise & had no knowledge of the account. Within a week of me initiating the disput e, Berks Credit & Collections may  have Duplicated the same account & added it to my  XXXX  Credit Report as a new account which dropped m y credit score  by  XXXX  points.  I Believe that Berks Credit & Collection  assigned the " new account '' a different account number. The original Creditor on both accounts is  XXXX   XXXX   XXXX   XXXX . Both Accounts show the exact same open date  XXXX   XXXX  & the exact same balance of {$130.00} yet each account has a different account number. I believe that duplicating an account & adding it to my Credit Report as a new collection after 4 years & 8 months violates FDCPA. Furthermore, under new law consumers are required to have  a 180 w aiting period before having medical debt placed on their credit report. The new account which I believe is a duplicate was placed on my credit report in  XXXX    XXXX  . Even though the account is 4 years & 8 months old & I was never notified about the alleged debt before it was recently added as a " new  Collection. '' I & Berks Credi  t &  Collections both reside in the State of Pennsylvania. According t o 42 PA. CS. 5525 ( A ) The Statue  of limitations on written contracts, oral contracts promissory notes and open end accounts including medical debt is 4 yea rs. Berks Credit & Collections  did not pursue any legal action regarding the alleged debt within the 4 year time frame which now makes the alleged debt legally unenforceable ( Especially since I never had any form of contract with them to begin with )
Consumer complaint received 2024-09-10
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. (FL)

I am writing to formally dispute the accuracy of the information reported on my credit report regarding the account listed below, which I believe is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : Charge-Off According to the FCRA, you are required to ensure the accuracy and completeness of the information provided on credit reports. Specifically, Section 611 ( a ) ( 1 ) of the FCRA mandates that when a consumer disputes information on their credit report, the credit reporting agency must investigate the disputed information.

I am requesting that you conduct a thorough investigation of this charge-off account to verify its accuracy. I believe that the information reported may be incorrect due to fraud and this account is not mine and need to be removed from my credit report In accordance with Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you : Investigate the disputed charge-off account with XXXX XXXX XXXX XXXX XXXX 
Verify the accuracy of the reported information. 
Correct or remove any inaccuracies found during your investigation. 
Provide me with written confirmation of the results of your investigation. 
Please complete this investigation within the 30-day period stipulated by the FCRA. If you determine that the information is inaccurate, I request that you promptly update my credit report to reflect the accurate information and send me a revised copy of my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2017-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XX/XX/XXXX  I c alled to place an order with   XXXX   clothing catalog. The sales rep kept insisting on signing me up for a credit card even though I told her no several times. I finally gave in and she charged the first order to the card. After I got the merchandise, I waited for the statement but never receive d one so I s  ent the {$25.00} payment. I placed several more orders via mail and paid with a check. From  XX/XX/XXXX  t  o  XX/XX/XXXX  I ne ver received any type of statement from  XXXX  about my credit account. I received a statement i n  XX/XX/XXXX  showi ng I owed {$180.00}. It was a past due statement and no information was on statement showing what was charged. I called  XXXX  and was told they would look into it. I did not hear from them and then I got a letter from  Portfolio Assoc. Portfolio is  a collection agency and I explained to them that I did not owe the money and explained to them that  XXXX  was taking care of the issue. I called  XXXX  again and the customer rep did not know anything about the account and showed I owed the money. I called my daughter,  XXXX   XXXX , to help me and she called the corporate office for  XXXX  and explained the situation. They looked into the account and told her that I was being charged for a {$14.00}   "     VIP '' service w ith the credit card. I never authorized the   VIP service.   XXXX  researched the phone call and called my daughter back and told her they would credit all the charges since they were not authorized and they would contact  XXXX   XXXX    XXXX   on my behalf to get the account cleared. My daughter contacted the bank and everything was cleared on their end and my account showed a  XXXX  balance. I kept getting letters and calls from Portfolio and each call they were very rude and refused to work with me. I told them each time what happened and they continued to call. My daughter called  XXXX   XXXX  again to see if they could send something to the collection agency to to me showing everything is resolved. They did send me a letter explaining that I am not responsible for the disputed account and the we sent it to Portfolio and it was received on  XX/XX/XXXX . I thought the issue was resolved until I received anther letter on  XX/XX/XXXX  saying I stilled owed the money.