davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (NY)

In XXXX  I dispute a account from ally financial as fraudulent someone purchased a bet in my name I disputed it with ally financial sent police report and other records the account was deemed fraudulent and removed off my credit reports except equifax
Consumer complaint received 2016-12-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is an urgent matter concerning a loan modification offered via Capital One. Initially I was offered verbally a reduced payoff amount to avoid repossession of vehicle. The same day I recieved a call from body shop that capital one had called to pick up vehicle while during process of the agreement to prevent repossession. Following up with to further discuss ... I was told could no longer do so because vehicle had been sent to auction. Currently, per Capital One XXXX XXXX XXXX the vehicle has not been sold at auction ( which is a dealer only auction not allowing self opportunity to buy from auction ) and info was provide to initiated a loan modification program discussed. Capital One is requesting a good faith payment for normal payment amt to proceed with loan modification process. However, per agent today this amount must be paid before reduced amount finance documents can be sent for agreement. This does not follow with " Truth in lending practices '' and is misleading as I can not verify what I am agreeing to retain the vehicle and improve credit which has been damaged do to these processes. This is an urgent matter as the vehicle could be sold next week as suggested via Capital One if I do not pay said good faith payment in which finance agreement not provided for my review before making payment. This auto loan has been carried/paid at excessively high interest ( about 22 percent ) for nearly 5 years. The initial financed amount was about XXXX in which over XXXX has currently been paid from my behalf. In effort to save vehicle and credit I was interested in loan mod program but the refuse to provide agreement details in writing prior to my good faith payment amount. 

Your urgent assistance regarding this matter would be appreciated.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1987 My only employer is SELF I do not wish to have any telephone numbers on my report.

Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Enclosed is my Drivers License and Proof of Residence.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

On XXXX of XXXX, I received a bill from Comenity bank XXXX XXXX for {$80.00}. Because I paid this bill late by mistake, I was assessed a late fee of XXXX I called them some time in XXXX to ask them if as a one time courtesy, they could remove the late fee. The customer representative then told me that she would cut the late fee in half, which would leave me a balance of XXXX}. I paid the {XXXX} through my bank immediately and never received any other statement from them. 

On XX/XX/XXXX, almost a year later, I received a letter from Comenity asking for {$120.00} without any explanation for that balance. They closed my account and turned it over to XXXX XXXX XXXX. They waited almost a year before contacting me, turned my account over to XXXX agency. I havent received any other statement since XXXX of last year. 

If I understand well they never gave me that half credit for the {$29.00} late fee added in XXXX of XXXX. Instead they have been adding late fees after late fees on the about {$14.00} balance for XX/XX/XXXX. I have not received any bill from them since XXXX of XXXX. This is ridiculous and pure theft. This bank has a D rating with the better business bureau. They are downgrading my credit score which was over 800.
Consumer complaint received 2024-09-26
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. (GA)

This account was charged off on the following date ( XXXX XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

The following was paid out as a purchase on paypal. Unfortunately, I didnt realize until I reached out to them today that it was a personal purchase and was not a business. I was scammed off instagram and can not remember the account name. 

XXXX XXXXMoney Sent " XXXX '' - {$130.00} Repeat this transaction Your recipient should have the money by XX/XX/2022. 

Repeat this transaction Paid with ( JPMORGAN CHASE BANK XXXX ) {$130.00} Your backup is XXXX XXXX Transaction ID XXXX Contact info XXXX Note XXXX Details Sent to {$120.00} Fee {$4.00} Total {$130.00}
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

this account XXXX XXXX  XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Earlier today, I found unauthorized inquiries on my credit report, and I can't figure out why. When I usually check my report, everything is fine, but this time I found these discrepancies. I refreshed my browser hoping it was an error, but the unauthorized inquiries stayed there. I'm requesting a detailed review of the documents I've sent to prevent this from happening again and finally put this issue to rest.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I was notified in XXXX by Synchrony that a charged was placed on the XXXX/XXXX  Live/name-of-the-moment card I had with them. I did NOT place any orders and did not receive any items. 

Filed a fraud claim with them, which they rejected multiple times, claiming product was delivered. I disputed this, stating I neither ordered nor received anything. As requested by them I filed a police report and signed an Affidavit of Fraud ( and got it notarized ) saying I did not order nor receive anything.

Despite multiple rounds of appeals, company is still claiming I received goods and is refusing to honor the fraud claim. I have complied with all of their steps ( 4 separate rounds! ) to get this fraud processed.
Consumer complaint received 2024-09-25
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (CA)

My mortgage servicer is XXXX XXXX. The previous servicer was Mr. Cooper, which is still the point of contact for the servicing of my mortgage. I set up auto-pay with XXXX XXXX to send my mortgage payments to XXXX. The payment due on XX/XX/year>2024 went through but the payment due on XX/XX/year>2024 didn't. Mr. Cooper claimed in XX/XX/year> that it did receive my mortgage payment that should have been delivered by XX/XX/year>2024. To avoid late payment, on XX/XX/year>2024, I authorized a mortgage payment on Mr. Cooper 's website, requesting XXXX XXXX  to pay the mortgage amount and placed a Stop Order on the mortgage payment that was supposed to be delivered by XXXX2024. I also cancelled the monthly auto-pay to Mr Cooper on XXXX XXXX XXXX website. However, the monthly auto-pay I cancelled on XXXX XXXX XXXX website shows a payment activity but the payment was cancelled at the same time on XX/XX/year>2024. On XXXX XXXX XXXX record, it indicates there was a mortgage payment, a reversal payment of that amount and an Insufficient Funds fee for {$15.00} on XXXX/XXXX/XXXX. There should not be a charge of {$15.00} for Insufficient fund because 1 ) i cancelled such auto payment to begin with and 2 ) I actually had sufficient funds in the account as I left enough money purposefully in the account for the next mortgage payment. XXXX XXXX  erroneously charged me a fee of {$15.00} for Insufficient fund, which was not justified. Thank you.
Consumer complaint received 2024-09-06
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. (MO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX Account # XXXX and # XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.
Consumer complaint received 2024-09-06
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. (TN)

Hello, My name is XXXX XXXX. There are a lot of accounts, incorrect addresses and names mentioned on my credit report for both XXXX XXXX XXXX that I do not recognize. 

Thank You.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some account that I do not recognize and also I did not authorize any information to be furnished, and this account is erroneous and has no permissible purpose. I have not done business with any of these companies. This account has violated my federally protected rights, delete this account due to violation of Title 15 USC 1681b. ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to title 15 USC 1681 : As the consumer I have the right to privacy and I did not give ANY bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXXXXXX XXXX XXXX XXXX 

FCRA SECTION 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Pursuant to USC Title 1692k I will pursue litigation for these violations that is causing defamation of character and financial injuries.
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (CA)

I was so surprised when I checked my credit report and it has these inquiries that I don't remember ever approving or permitting to be reported on my file. I do not recognize these and they don't belong to me.
Consumer complaint received 2023-08-06
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: ATG Credit, LLC (OH)

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ).

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PDQ Services, Inc. (GA)

XXXX XXXX XXXX XXXX ( XXXX, GA ) has been reporting an invalid debt on my credit reports for several years. They did not respond to my initial debt validation letter and have never responded to any of my information requests. There is no evidence from PDQ Services or the original creditor, XXXX XXXX XXXX ( XXXX, GA ), that the monies claimed to be owed are accurate. 

This debt is not valid.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I never signed up for their service, suddenly out of the blue they started charging me for their subscription. On top of that ; they are practically impossible to reach, I tried calling but keep getting sent in circles. I am also not able to remove or change my credit card from their website
Consumer complaint received 2024-09-06
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. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low credit score due to these errors.