davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

Whenever I make a payment, it takes them 4-6 days to process and by then something else has already come out. I've talked to customer service a few months ago and they were no help. I want them to stop calling I KNOW IM LATE BUT CALLING 10 TIMES A DAY EVERY SINGLE DAY WONT MAKE ME PAY ANY FASTER
Consumer complaint received 2023-07-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Skopos Financial, LLC (GA)

I obtained a loan through skopos financial XX/XX/XXXXXXXX  .I began experiencing financial hardship due to being out of work because of my high risk XXXX and right after COVID which lead to falling behind in my car loan payments.I reported this hardship to SKOPOS Financial however they charged off/ wrote off my loan as bad debt XX/XX/XXXX, and Sold my vehicle in a private auction XX/XX/XXXX with out written notice. In XX/XX/XXXX my account was sold to XXXX XXXX I disputed the account with XXXX XXXX  and got it removed my credit report shortly after the debt was sold. XX/XX/XXXX SKOPOS financial bought back the debt and continued to report each month as charged off as well as reporting a balance, and monthly payment amount as if the account is still open. XX/XX/XXXX I called SKOPOS and spoke with XXXX from the customer advocacy department and requested for the false information to accurately updated to all 3 credit bureaus. I also spoke with XXXX in the kids mitigations department and requested a copy of the written notice of sale, deficiency letters, and bill of sale for my vehicle that was auctioned off. I was provided a false written notice of sale because it was never received and 2 different deficiency letters which initialed 2 different amount my vehicle was sold for and 2 different balances owed. XX/XX/XXXX the information still hadnt been updated so I disputed the account with all 3 credit bureaus and requested for the account to be deleted due to SKOPOS continuing to report inaccurate information. After the disputes were completed the credit bureaus verified the information as accurate and are continuing to report inaccurate information even though when I spoke to XXXX from SKOPOS she agreed that she would update the inaccurate information. This inaccurate reporting has traumatically affected my credit preventing me from being able to obtain any new lines of credit, car loans, open ended loans, and rental properties. This completely goes again and violates my FCRA rights
Consumer complaint received 2024-10-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (WA)

I am filing a complaint regarding my inability to obtain an Amex Serve prepaid card. I have applied multiple times but have been denied without any clear explanation. I believe this is in retaliation for an issue that occurred about XXXX years ago, during which I submitted a complaint and involved regulatory bodies to seek resolution. 

At that time, my Amex Serve card was incorrectly flagged for fraudulent activity when I attempted to transfer money from my checking account to the prepaid card. I had recently moved and hadn't updated my address, which seemed to cause the issue. Despite assurances from a high-level representative that the matter had been resolved, my card remained unusable. Frustrated with the continued dysfunction, I ultimately canceled the card myself. 

Since then, I have been unable to obtain a new card, and it feels as though I have been blacklisted despite having done nothing wrong. I was a loyal customer for years, and this situation is disheartening. I would like answers on why my applications are being denied and how this can be rectified. 

I would like to open an Amex Serve account, as I have done nothing wrong. If I am deemed ineligible, I request a detailed explanation for the refusal.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (OH)

I was the victim of online harassment and fraud and someone threatened to publish my personal information online. I sent some money via PayPal. The next day I called PayPal to report the fraud issue. They put a hold on the funds but then transmitted my information to the fraudster. They said it was part of their standard procedure. During my initial conversation with PayPal I told them I do not want my information sent to this fraudulent account and did not want them informed. I called back after getting PayPals confirmation email. The email stated the fraudster had been informed as part of the dispute process. On the second call I was informed that this is the only process they have. This process does not protect victims of fraud and harassment. I am very concerned that this will encourage retaliation and that PayPal did not provide me a safe way to report fraud without informing the fraudster. This is a serious breach of trust and failure to provide protection to customers.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Collection Bureau, Inc. (CO)

Prior attempts was requested only received statements. On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt. My request to United Collection Bureau Inc. was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Consumer complaint received 2024-09-17
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. (GA)

I dispute the following hard inquiries on my credit report : XXXX XXXX ( Bank ) XX/XX/year>, XXXX XXXX ( Bank ) XX/XX/year>, XXXX ( XXXX ) XX/XX/year>, XXXX  ( Finance ) XX/XX/scrub> XXXX XXXX  ( Bank ) XX/XX/year>XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Iam distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other or instrument bearing my signature
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NC)

MY PERSONAL NAME HAS VALUE. PLEASE UPDATE THE ACCOUNT. THIS IS CALLED VALUE AND CONSIDERATION. WAS ANY VALUE OR CONSIDERATION GIVEN IN REGARDS TO MY PERSONAL NAME THAT CREATED THE ACCOUNT IS AN ASSET TO THE BANK. THIS IS A BLATANT VIOLATION OF THE FDCPA, FCRA, & THE TRUTH IN LENDING ACT XXXX TOLD THAT YOU ARE THE LENDER AND NOT THE BORROWER. FORGIVE XXXX FOR OUR DEBTS AS WE FORGIVE OUR DEBTORS. MEMBERSHIP VERIFICATION FORM REQUIRED BECAUSE I AM THE PREFERRED SHAREHOLDER OF ANY AND ALL ACCOUNTS IN MY TRADENAME WITH OR WITHOUT MY CONSENT VIA MY XXXX WILL APOSTILLE RECORDATION. : XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my repeated efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has severely impacted my life, causing considerable stress and XXXX. I must stress again that I did not authorize or consent to the inclusion of this information, as I am a victim of identity theft.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/2024 a hotel charged me a {$150.00} security deposit. On XX/XX/XXXX the hotel erroneously charged me {$410.00} due to a system glitch. Both pending charges were reversed on XX/XX/2024 by the hotel. On XX/XX/2024 the charges were still pending. I called the hotel and they confirmed with me the charges were reversed and Id need to call my bank. I called SoFi later that day and explained the situation. They told me that they would not remove the pending charge for 30 days, even with proof that the charges were reversed by the hotel. So now, I have {$550.00} in pending charges sitting on my account until approximately XX/XX/XXXX. This is causing serious issues as I am unable to pay my bills due to the charges remaining as pending.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (TX)

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Name - REMOVED Address - UPDATED Employment - REMOVED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED Other miscellaneous
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I had a fraud alert on my account of an unknown person putting in fake checks and stealing the money through atm. At the time I did not know that my card was lost and someone was using my account for check fraud due to me always using XXXX XXXX I got alerted ( XX/XX/XXXX ) that my account was on hold and thats when I noticed what was happening.they told me to verify the checks or my account would be on hold. I reported I didnt put in those checks and that I never was the one withdrawing money from the atm. They said I was gon na be able to get my remaining money through a check ( XX/XX/XXXX ). I also went in person to discus why I havent received the check and was told it would come in less than 2 weeks. Two months passed and they never sent that check and told me that there was XXXX dollars in my account and that they took the money ( {$2400.00} ) for compensation of the money that was wrongfully taken out the atm
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-10-04
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. (IL)

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has XXXX  my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Consumer complaint received 2024-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-09-17
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/updated.

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.

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!
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. (FL)

I disputed a collection account on my credit report and XXXX removed the account due to incorrect information. However, Experian and XXXX have refused, twice, to not remove the account, stating that the creditor disagrees with my dispute. The account was not opened in XX/XX/XXXX, but in XX/XX/XXXX when the first official delinquency was reported. Therefore, this account is not XXXX XXXX XXXX, but actually XXXX XXXX XXXX and Experian and XXXX refuses to correct this.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

In XX/XX/XXXX on XXXX XXXX shows as 30 days past due and on Equifax as 60 days past due. In XX/XX/XXXX, XXXX shows as 60 days past due and on Equifax it shows as 90 days past due. In XXXX of XXXX XXXX is reporting me as 90 days past due and In XXXX of XXXX XXXX XXXX  is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to XXXX. On Equifax in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On XXXX XXXX late payments are reported. This inaccurate and inconsistent information and XXXX XXXX is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.
Consumer complaint received 2024-10-04
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. (VA)

I am writing to request that you remove these fraudulent accounts and inaccurate information from my credit reports at your earliest convenience. I gave no authorization for these fraudulent accounts and innaccurate information to exist. It recently came to my attention that these fraudulent accounts and inaccurate information are currently reporting on my credit reports. I also want to include fraudulent inquiries from my XXXX credit report that I did not authorize to exist. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon further investigation, I can conclude that I am a victim of Identity Theft. My rights under the Fair Credit Reporting Act ( FCRA ) laws are being violated. According to the Fair Credit Reporting Act ( FCRA ) and ( 605B ) 15 U.S.C. 1681c-2 laws, and other Fair Credit Reporting Act laws that are relevant to this matter, these fraudulent accounts and information that I have truthfully identified in this affidavit must be removed and deleted from my credit reports immediately. Please provide me with written confirmation that these fraudulent accounts and inaccurate information have been removed.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 

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.

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!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.