davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX XXXX  were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forest Recovery Services LLC (OH)

FOREST RECOVERY SERVICES has failed to validate an " alleged '' debt in the amount of {$2000.00}. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear Consumer Financial Protection Bureau, I am writing to formally summarize and request your assistance with a dispute regarding inaccurate reporting by Portfolio Recovery Associates ( Account Number : XXXX on my XXXX. The inaccurate reporting pertains to the inclusion of XXXX late payments on a collections account, which is not in compliance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

Key Points of Dispute : Inaccurate Reporting : Portfolio Recovery Associates inaccurately reported 120-day late payments on a collections account. FCRA Section 623 ( a ) ( 1 ) ( A ) mandates that information reported to credit bureaus must be accurate and reflect the true status and history of the account.

Violation of FCRA : The reporting of late payments beyond the point of charge-off misleads creditors and other users of credit reports, violating FCRA guidelines intended to ensure accurate reporting. 

Demand for Resolution : I have formally disputed this inaccurate reporting with Portfolio Recovery Associates and requested an investigation under FCRA Section 611 ( a ) ( 1 ) ( A ). I have requested Portfolio Recovery Associates to remove the entire account from my credit report due to the inaccuracies.

Supporting Documentation : Enclosed with this summary are copies of correspondence with Portfolio Recovery Associates, proof of the account 's charge-off date, and a copy of my credit report highlighting the inaccurate information.

Resolution Requested : I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that Portfolio Recovery Associates corrects the inaccurate reporting by removing the disputed account from my credit report promptly. Please inform me of any actions or recommendations resulting from your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


10. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX of inquiry : XX/XX/year> Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CCF Intermediate Holdings LLC (VA)

On XX/XX/XXXX, I received an email from the company XXXX. They stated I was approved for a loan of XXXX that I did not apply for and sent me the loan agreement. I emailed back asking about the loan. They stated to receive the funds I would need to go through a verification process and they would deposit XXXX into my account and I just had to send the XXXX back. Due to my new bank card not coming in yet, we had technical difficulties so the process went into XX/XX/XXXX. After looking at the XXXX, I noticed that all they did was transfer XXXX from MY HELOC into my checking account and tried to claim that money as theirs. The account nunber where the XXXX came from is the account number for my HELOC. They did not mention anything of HELOC until I called them out on using my money. They tried stating that they settled some " dispute '' with my HELOC. There was never any dispute with my HELOC because my bank never called me about any " disputes. '' Also there was no paper work showing there was any disputes being made. I was not made aware of " trying anything '' with my HELOC. I would have said no. Nothing in the loan agreement talks about HELOC. After calling them out on them being scammers and trying to tell them they did not deposit any money and that I am not paying them, they stated they are going to try and take legal action against me in regards to the money when it is not their money. It is my money.
Consumer complaint received 2024-06-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

Since XX/XX/year> claims I owe money on my credit card bill when the bill was paid. I have called numerous times to straighten things out yet still get billed and charged fees. The original bill was for {$39.00}, which I paid twice. The fees are virtually the same amount as the bill. I have not made any other purchases using that card. In XXXX I paid {$81.00} which was only fees. In XXXX they charged me another {$31.00}, which was only fees I didnt owe. Now they claim they didnt get the XXXX payment. They are claiming I owe {$64.00} in XXXX. That represents the past balance of XXXX, which I paid and which is only fees I dont owe, plus fees of {$33.00}, for a total of {$64.00}. 

I just cancelled the card and paid the bill to get rid of them, but I believe I have been overcharged {$140.00} in fees that are higher than allowed. Please investigate Commenity Banks practices
Consumer complaint received 2024-06-05
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-06-20
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

Dear Sir/Madam : I have been a customer of Chase card for a long time. I am living in XXXX now and I don't have a XXXX phone number. I had service with XXXX for XXXX in the XXXX which was cancelled in XX/XX/year>. But the Chase card keeps charging me XXXX bills plus penalty charges. Both companies ( Chase card and XXXX ) don't mention email id in their company profile. With much difficulty, I was able to send letters. XXXX didn't reply. I am a XXXX XXXX and not tech savvy. 

On XX/XX/year>, Chase card sent a letter to my account statement like this- 'Charge you disputed is valid. It will remain on your credit card account. ' I am getting tired of dealing with these XXXX companies. Please help me, thanks in anticipation, XXXX XXXX p.s : how do i send the details of my account info etc.
Consumer complaint received 2024-06-20
Product: Credit 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: WELLS FARGO & COMPANY (FL)

wells fargo credit card On XX/XX/year>, I visited XXXX XXXX in XXXX, FL. They were offering a membership that included XXXX facials every month, plus products. I attempted to purchase the package and provided them with a Wells Fargo credit card, which they used twice, and I signed. They then informed me that the transaction didn't go through and requested another credit card. I provided them with a XXXX ATM card. Ultimately, they used both of my cards and charged me on both. 
Then I realized these people were trying to scam or rob me directly. I decided not to purchase the membership or the products. I informed them to cancel everything, and they agreed, assuring me that no charges would be incurred as the transaction had not gone through anyway. 
However, the charges went through, and I was billed for a membership I did not agree to purchase and for products I never received. I called the credit card company the same day to inform them of the situation, and they assured me not to worry. But now, they are asking me to pay. I really need assistance with this matter. 
thank you, XXXX XXXX. ( XXXX ) XXXX
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. My name is XXXX XXXX, and I have noticed inaccuracies in the reporting of the following accounts : 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 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 XXXXXXXX I request that you provide me with the original paperwork showing that I was late on these accounts and when. Your reporting is completely inaccurate and has caused significant damage to my credit score. I demand that you update these accounts to a positive status with no late payments immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, there are inaccuracies in the following personal information reported on my credit report : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 
Under FCRA, I have the right to request that these inaccuracies be removed from my credit report. I request that you investigate these inaccuracies and correct them as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (AZ)

I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (MD)

Discover Credit Card company has a process that is unfair to customers and needs investigation. I have had a payment agreement with Discover for the past few years. As of XX/XX/year>, I owed Discover Card a total of {$100.00}. I had been making automatic bank payments of {$190.00} monthly. I expected that Discover would only take what was due for the final payment. Instead, the took the full amount of previous payments, {$190.00}. When I called about them owing me {$91.00}, I was transferred to a department to request a refund and have future payments cancelled. It was agreed that I was due a refund and told that they would cancel future payments that were in the system to continue through XX/XX/year>. I was told that their system is set up for a certain number of payments and the system doesnt recognize that there is no longer a payment due. 

Had I not called, there would have been a {$880.00} overpayment to Discover. It is appalling that it would have likely been at least five months until Discover would have recognized the overpayment. It made me think of unclaimed money when someone dies. Generally, bank accounts are usually closed by relatives immediately following the death. It makes you wonder how many of Discover customers have been victimized by this practice.

To add to this unscrupulous practice, I was told my refund would take at least 10 working days. In this age of ACH transfers, Im not understanding the reason for the delay. 

Thank you for hearing my concerns.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CO)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against US Bank concerning their handling of a fraud case involving my debit card. 

I traveled outside the XXXX from XX/XX/XXXX to XX/XX/year>, and had my US Bank debit card with me at all times. On XX/XX/year>, I received notifications via phone message and email from US Bank indicating that my card 's PIN had been changed. I did not make this change. Subsequently, XXXX unauthorized transactions totaling {$760.00} were made on my account. These transactions were not conducted by me, as I was in XXXX, XXXX XXXX, XXXX at the time. I can provide proof of my train tickets, flight tickets, hotel bookings, and other relevant documentation to verify my location. 

Upon discovering the fraudulent activity, I immediately contacted the US Bank XXXX Department. Despite being abroad, I was instructed to visit a branch to file a fraud claim upon my return to the XXXX. I complied and filed the claim on the morning of XX/XX/year>. Additionally, I reported the incident to the XXXX Police Department and froze my credit reports with the XXXX major credit bureaus. US Bank issued a temporary credit of {$760.00} to my account while the investigation was conducted. 

On XX/XX/year>, I received a letter from US Bank denying my claim and informing me that the {$760.00} credit ( excluding a {$1.00} transaction ) will be reversed by XX/XX/year>. The letter stated that after a careful review, it was determined that the transactions were authorized, based on the information I provided, as well as my transaction and account history, location, and pattern of use. 

I find this decision perplexing and unacceptable, given that I was not in the XXXX at the time the fraudulent transactions occurred. It is unreasonable to conclude that the transactions were authorized solely based on my account history and location pattern, especially when I have verifiable evidence of my presence in XXXX. 

I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring a thorough re-investigation of this matter. The initial investigation by US Bank was inadequate, and I seek to have my money returned. Should US Bank continue to deny my claim, I am prepared to pursue legal action in small claims court.
Consumer complaint received 2024-05-23
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX  Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry I did NOT inquire about any of this!