davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX 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. 

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 XXXX  days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OR)

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 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am writing today because I was direct to your agency after contacting the NY XXXX XXXX XXXX XXXX. HSBC mortgage has been playing games with us for years and years. since moving from the XXXX area, we can not get any information on our loan, about fees imposed, how much equity we have in our home, and any basic question like why is the amount owed different from one month to another, we are put on hold, disconnected, told we do n't have the right department or referred to a supervisor who says they need to speak with another office, after all this we Never receive a call back or answer to that question. we know over time we have paid numerous FEES which we didn t know what they were, why they were assessed or the cost of these fees. we need help someone intervene on out behalf .... we know we have been robbed over the years and put under a unnecessary amount of pressure and fear for losing out home by representatives ... we often receive letters that tell us to pay one amount to find the letter " was incorrect '' and we should have paid another amount, never to be given an explanation as to why the error was made and then we are given more fees because of this we are EVEN unsure about what type of loan we have we do have YEARS or documentation so we did n't kno where to start as far as uploading them
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-06
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 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (VA)

On XX/XX/year> at XXXXXXXX XXXX I went to withdraw {XXXX from my cashapp card, I was given a cash dispense error by the ATM and still had the cash taken from my account. I called both XXXX who runs the ATM and Cashapp to try to resolve this. I was told by XXXX bank that they refunded the money and Cashapp refuses to process the refund stating it will take up to 120 days to decide. I did file with the XXXX XXXX XXXX  and have not received a response from Cashapp via the XXXX
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Levy & Associates, LLC (VA)

My account went in to collections and was sent by XXXX XXXX to a law firm. I contacted them on XX/XX/year> XXXX XXXX XXXX XXXX ) and established a settlement agreement with them where I would pay XXXX payments of {$1200.00}. I set up my first payment the day of the agreement on XX/XX/year> and it was taken out of my checking account as agreed. I asked to set these payments up automatically and was told they had to send that request in writing and then I would complete the form and send it back. I then waited over a week for the settlement agreement to arrive as well as the payment agreement form. I never received either of these items so then called back on XXXX the XXXX. I asked for these documents to be emailed to me since I still have not received them. The representative said they could only fax them so I provided a fax number. The representative told me it would take XXXX hours to get to me. I waited over XXXX days and the fax has still not come to me. This creditor/law firm is making it difficult for me to pay. They are also proceeding with a lawsuit despite my settlement agreement which I'm not sure if that is legal or not, I will take that up with my attorney and the court on the court date that is given to me.
Consumer complaint received 2022-11-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

My XXXX Tax refund was deposit to cash app XX/XX/XXXX between XX/XX/XXXX the amount was XXXX I made a complaint on my XXXX as soon the back infrom me that my XXXX was made because I realized my XXXX XXXX on my XXXX was Wrong. So instead of cash app sending the refund back they deposit. my refund into someone else account. it was never return back to sender I contacted the IRS I contacted XXXX bank first XXXX XXXX that made the deposit in ask them can they make recall on the XXXX XXXX XXXX XXXX told me that they do recalls on deposit.Cash app keep giving me the run around telling me that I need to contact the originator of deposit in telling I have contacted them in told about they don't recalls so I contacted IRS in XXXX out a XXXX form to track my payment I gave them my deposit tracking number XXXX in they refuse track my deposit. In the IRS still haven't received a deposit from them be to reissue out to me
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica (CA)

Hello, I am on XXXX government benefits. I receive a payment to my direct express card monthly to pay my bills.

I have inquired many times about WEB access to my account online. Direct express did not tell me there was a Direct express App to use. I found out on my own. I have not received a post mail or email response. I received phone calls and unclear voicemail messages. I requested via phone to please respond via email only and this request was refused. 

I now am presenting a problem that has not been addressed as of yet with Direct express for years to you. That must be fixed. I have had XXXXXXXX XXXX XXXX  for a few years at my apartment. I was able to pay my bill the first few month with my direct express card. I have called many times to have Direct express ublock this payment so I may pay my bill. Direct Express Express told me the payment will be unblocked in a few hours for only 24 hours. Direct express is blocking me from paying my XXXX XXXX bill and requested I go get prepaid gift cards to pay this bill online. This is still currently an issue. I should not have to pay any bills with alternative methods of this sort. The gift cards cost an additional price every month. Please Explain in writing in an email why you are blocking this specific monthly payment for years? I tried once again to pay my bill with my Direct express card today and the payment is still being blocked by Direct express. It would appear it is an attempt to alert Hud so I may appear to have another source of income and loose my housing,
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MN)

On XX/XX/XXXX I received a credit alert from XXXX advising that a new account was opened with Goldman Sachs Group using my personal information. 

After calling Marcus Goldman Sachs and waiting on hold for almost an hour to speak to the fraud department, I was told by fraud specialist XXXX  that an account was opened online using my maiden name, which I have not used to conduct any business in over 10 years and an old address I have not resided at in over 10 years. 

When XXXX provided me the email address and phone number used to open the account, I was baffled how the account was opened in the first place, since the contact info ( phone number and email address ) are not linked to the personal identifiers ( name and address ) on the application which is the number 1 indicator of potential fraud. 

Applicant Name : XXXXXXXX XXXX ( maiden name which hasnt been used since XXXX ) Applicant Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( old address havent resided there since XXXX ) Phone : XXXX ( is this even a valid phone number?? ) Email : XXXX ( this is NOT my email address ) When I asked XXXX how could an account be opened with such a prestige wealth management financial institution without the proper authentication and he was not able to provide me a reasonable business justification. 

I then repeatedly requested the unauthorized account be closed, to which I was told it could not be closed until a 45 day investigation was complete! Ive worked in the financial Industry for over 20 years and Ive never heard of such a thing! I then asked XXXX how do I know this account wasnt opened as part of some Sales misconduct issue, such as what happened with XXXX XXXX! I again requested he close the unauthorized account to which he declined. Due to the lack of identity verification process that did not take place when this account was opened and the resistance to close the account at the consumers request, I believe there is some sort of misconduct happening at Goldman Sachs that requires investigation by the FTC. Ive never heard of a financial institution refusing to close an unauthorized account unless doing so is tied to some sort of loss in sales incentive.
Consumer complaint received 2024-09-30
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: SYNCHRONY FINANCIAL (CA)

I received a letter from Synochrony Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This letter was a STATEMENT OF CREDIT DENIAL, TERMINATION, OR CHANGE, dated XX/XX/year>, with a request for financing for services and/or products. I had my information stolen about three months ago, and I never applied for a credit card with this bank/company. I have no idea where and what this company is about and have never applied for credit services with them.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible. My correct address is XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-08-07
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. (CA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-24
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (MD)

On XX/XX/XXXX I purchased an item from XXXX XXXX  and used Affirm as a payment option to pay installments. 
I changed my mind about the item and returned it the same day I received it at a local XXXX XXXX  store on XX/XX/XXXX. 
Full amount of {$520.00} was refunded by XXXX and should have cancelled the entire loan with Affirm. 
Affirm did not cancel the loan but instead credited a different account, not XXXX XXXX. 
I called to state that the item was returned and that I should not be still responsible for the loan term as the item was returned. 
I requested information about XXXX return policy and whether or not this was valid. 
I kept be put on hold. I was told that this could not be resolved but when I got upset the respresentative stated that they would expedite my request to have it further investigated. 
I am being held to a loan that should have been closed. 
I expressed that I no longer could pay it and it was not in my budget to pay and the item was returned so I should not be responsible for it anyways. 
I called on or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to resolved and to get updates but nothing I returned an item and was fully credited and therefore should not still be responsible for a loan through Affirm.