davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX 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
Consumer complaint received 2024-06-03
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. (MD)

I disputed information on my credit report over XXXX months ( XXXX  days ) ago and I have not received a response. The credit reporting agencies continue to report and house inaccurate information on my report and in turn has hurt my ability to obtain fair lines of credit. I am extremely stressed due to their negligence.
Consumer complaint received 2024-06-17
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: HYUNDAI CAPITAL AMERICA (TX)

I am writing to express grave concern over a derogatory rating that currently appears on my credit report. This negative mark is causing me significant anxiety due to its detrimental impact on my credit standing. It has already resulted in the denial of a recent loan application as well as increased interest rates on my existing credit accounts. I can not overstate the severe financial hardship and emotional distress this inaccurate negative rating has inflicted upon me, and will continue to inflict until it is properly resolved.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/year>, a friend sent me XXXX via Cashapp. I did the instant transfer but the money never arrived. I did live chat with cashapp ; they suggested I call my bank because on there end, the transfer was " successful ''. I spoke with the bank and they saw no pending or processing funds due to go into my account. I called Cashapp again, the rep gave me a transaction number. I called the bank again and spoke with someone in the fraud department. The rep said they could now see a pending deposit from cashapp for XXXX. I asked if the funds could have somehow been circumvented and they said their security encryption was too high and that isn't what they see. The rep said the transaction came straight to XXXX  ( my bank ) with XXXX funds. I called Cashapp back and they launched an investigation that could take 10 business days. I am in a serious jam and desperately need that money. The insulting part was their assumption that I did something to cause this issue. I want my funds because, clearly, this is a Cashapp error. This is egregious! I found close to XXXX similar complaints on XXXX and FTC has a warning about money transfer companies siting money theft. This is totally on them and they need to fix it immediately!
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

In XXXX of 2022 I noticed my XXXX score dropped which led be to investigate why. I pulled my credit report and i noticed an XXXX XXXX card used at macy 's under my name. I called macy 's and reported I have closed my account with them a few years back secondary to having problems not receiving a physical card after multiple attempts. They told me they will do an investigation and get back to me. In the mean time I reported the fraud to transunion. A few weeks passed and my XXXX  score was restored to it's normal score. I though the issue was resolved, however I received a latter from XXXX XXXX saying I owed them for the charges on the card. I called macys and reported the situation in which I was told I no longer owe them any money as the issue has been resolved and my case has been closed. A few weeks pass and now I receive another later from a city bank with Macy 's latter head stating I owe them XXXX the money I supposedly owed before and that I need to pay them, I explained the situation, however the person was rude and was not wanting to listen to what I had to say. I called back Macy 's again and this time I asked for a supervisor who stated there might be a foul play in which my information at Macys might have been compromised and they will do there own investigation and get back to me. In the mean time my XXXX  score has dropped again. At this time I feel that Macy 's do not have my best interest and they are borderline abusing me. My XXXX  score is important to me at time as I am in a process of getting qualified for a mortgage loan. Please help.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Im getting frustrated because they are giving me the running around and want to foreclosure on me and my property.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I have been trying to obtain copy B of the 1099-C that Citibank , N.A . filed with the IRS when the alleged debt owed was " written off '' or " charged off '' so I would be able to properly remit my taxes. Citibank, N.A is willfully neglecting their fiduciary duties that they owe to me, the consumer. According to the Internal Revenue Service, Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. Taxpayers who receive the form must report the amount indicated as other income on their tax return. Canceled debt must be reported as taxable income on annual tax returns even if the issuer doesnt send a Form 1099-C because the canceled debt is less than {$600.00}. There are three copies of the 1099-C. The lender must file Copy A with the IRS, send me Copy B, and retain Copy XXXX For example, assume I borrow {$10000.00} and default on the loan after repaying {$4000.00}. If the lender cant collect the remaining debt from me, it may cancel the debt, which means the remaining {$6000.00} is reported on Form 1099-C. This amount is generally considered taxable income. Since this alleged amount owed is considered taxable income after it is written off, it can not be reported as debt. This makes the reporting of this account incorrect and it should be deleted in whole immediately. Also, according to GAAP, Under the provision or allowance method of accounting, businesses credit the " Accounts Receivable '' category on the balance sheet by the amount of the uncollected debt. A debit entry for the same amount is entered into the " Allowance for Doubtful Accounts '' column to balance the balance sheet. This process is called writing off bad debt. This proves that the account has already been settled and the balance sheets have been balanced. I have documented proof in writing that Citibank , N.A . wrote off this debt which means is has been cancelled or forgiven. I also have proof of their willful noncompliance to resolve this matter which I will attach herein.
Consumer complaint received 2024-06-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received a gift card to use and I cant use it in any of the stores I shop at. I wrote to you last time about sending a check in the form of the gift card amount and you denied it saying I didnt try to use it. But I know how your gift cards work and they arent accepted where I want to use them. I just tried again at XXXX and was denied payment. I would like to use my gift card where I want to. Or else it is a waste of money. Please could you look into it and see I tried, and send a check with the {$70.00} amount instead.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I paid off my account last month XX/XX/XXXX and when I paid off the account, I was told by a collection representative that the account will be deleted upon paying. When the account was not deleted i reached out to see why not and a representative told me that they dont delete tradelines from credit reports. The first person I spoke to gave me false information. Please delete this account from my credit report asap or I will sue this company.
Consumer complaint received 2024-09-11
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)

I paid off my account last month XX/XX/XXXX and when I paid off the account, I was told by a collection representative that the account will be deleted upon paying. When the account was not deleted i reached out to see why not and a representative told me that they dont delete tradelines from credit reports. The first person I spoke to gave me false information. Please delete this account from my credit report asap or I will sue this company.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have emailed I have written and Ive sent letters disputing all information listed on my report. My report is listing 42 inquiries that are fraudulent. Those were not initiated by me nor approved. I keep trying to dispute those and All the disputes keep getting ignored. there shouldnt be a bankruptcy on my report because I went through bankruptcy process. I should not have any late payments reporting because those accounts are closed and late payments do not factor into the credit score. When the accounts are closed this tries to trick people to further damage their credit by requesting all items on my credit report be disputed
Consumer complaint received 2023-09-25
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. (FL)

About 4 months ago I sent notifications to the bureaus that I needed them to investigate something on my credit report. They have only sent me the same letter 3 TIMES IN A ROW claiming that they believe that I am not the one requesting the information which is a lazy excuse for them not to do their job since from the first time I did what they indicate on their websites that We must attach proof of identification, I think they are only delaying the process.
Consumer complaint received 2024-06-16
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: Navient Solutions, LLC. (NV)

On XX/XX/XXXX, I sent certified mail a Debt validation letter requesting the following, which under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled too : I dispute the validity of this debt and request that you provide me with the following information to validate it : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Proof of the agreement or contract between the original creditor and myself.

4. Proof that you are licensed to collect debts in my state.

5. A complete payment history, including the dates and amounts of all alleged transactions.

I've also sent another Validation Letter on XX/XX/XXXX, and to date have not received any information. The company has also been instructed to cease and desist any communication until such time as the debt been validated. From XXXX XXXX XXXX I have received 14 calls from the company and multiple times a day. I even answered and explained there is a cease-and-desist letter, which they're in violation of. 

There are numerous violations and lack of cooperation on behalf of Navient.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NE)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECURITY FREEZE
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

have sent in disputes to be investigated from all 3 of the credit bureaus XXXX, XXXX, and equifax. Instead of these dispute letters being investigated as per law of the consumer. I am recieving letters back stating that the investigation will not be processed and it don't seems to be me requesting a dispute of letters I had to pay for with my drivers license and utility bill and social security card. I do not have money to waste and I do not use computer like that to do any thing online.
Consumer complaint received 2024-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (TX)

I am filing this complaint against UNITED COLLECTION BUREAU , INC., who is attempting to collect an ALLEGED debt from me in the State of Texas. According to Texas State law under Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. However, UNITED COLLECTION BUREAU , INC. does not have that bond on file nor the required license to collect in the State of Texas. I have attached documentation from the Texas Secretary of State confirming this. 
Also, I have attached documentation from XXXX Consumer Access report from their website that details all the state licenses and registrations that UNITED COLLECTION BUREAU , INC. is legally allowed to collect in EXCEPT the State of Texas. 
Additionally, I sent a Notice of Dispute requesting verification of this ALLEGED debt to UNITED COLLECTION BUREAU , INC. under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g on XXXX XXXX XXXX. UNITED COLLECTION BUREAU , INC. received my notice on XX/XX/2024 and it has been well over 30 days since I sent this request, and UNITED COLLECTION BUREAU , INC. has not responded to my dispute nor provided any verification to prove that I owe this ALLEGED debt as of this CFPB complaint submission. This is a DIRECT VIOLATION of 15 U.S.C. 1692g. Despite this, they have continued to report this ALLEGED debt to all credit reporting agencies further damaging my reputation.

I am requesting that the CFPB investigate this matter and take appropriate action to prevent UNITED COLLECTION BUREAU , INC. from continuing their ILLEGAL collection activities and to ensure that this unverified and unlawfully reported ALLEGED debt is removed from my credit report from ALL major credit reporting agencies. I am also requesting a deletion letter from UNITED COLLECTION BUREAU , INC. verifying the removal of this ALLEGED debt from ALL major credit reporting agencies.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was a victim of identity theft. Someone stolen my identity and use my actual driver license, address, date of birth and social security number it to open a fraudulent account without my knowledge. I did not receive no money or no compensation for my identity that was stolen, and I didnt make the charge [ s ] : Capital one Quick silver XXXX Account # XXXX i respectfully request that your offices provide me with competent evidence that I have agreed to any legal obligation to pay you.I respectfully request that a Agreement that bears the signature or some instrument that carry my signature on this account or the items must be deleted from your report within the next XXXX  days. Under federal law, you have XXXX ( XXXX ) days to complete your investigation..
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

This company has been harassing me for a debt that is not mine I have requested debt validation forms I have asked that the company provide original contract with wet ink signature I have sent the company copies that my identity was stolen I have sent the company cease & desist letters all to no avail. This company has been trying to link me to bank accounts that were overdrawn couple years ago & I have been going back & forth about the matter since XXXX
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

I applied for the Chase Sapphire Preferred credit card on XX/XX/XXXX. I only applied because I saw the XXXX point signup bonus advertised on my Chase portal. I'm an existing Chase customer as of several months ago when I got their Chase Freedom Unlimited credit card. Notably, the Chase Freedom Unlimited is NOT a Sapphire product. In the screenshot attached, you can see the offer only applies to members who have not received a new card member bonus for any SAPPHIRE card in the past 48 months. Based on everything advertised, including the fine print, I should have been eligible for the bonus. 

Fast forward to today ( XX/XX/XXXX ) : I called Chase when I didn't notice any Bonus information available in the app and they told me they didn't know why I didn't get the bonus, but that the system issued me the credit card without a bonus. No representative was able to provide an explanation nor offer a solution. No warning was provided during my online application process stating I would not be receiving the advertised bonus. I called my local branch and they are escalating the issue, but this is completely unethical and unacceptable behavior from Chase which is why I'm submitting this complaint.
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (GA)

Transworld System Inc. acquired, furnished and listed an account on my consumer report falsely and inaccurately.I have never held an account with this company and they have attained my personal information and listed a fraudulent account without my consent. Ive requested all original documentation ( validation/verification ) of this debt with this company but have yet to receive a response.