davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (GA)

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.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

ALLY FINANCIAL ; I was shocked TODAY when I reviewed my credit report and found late payment on the dates below : XX/XX/year> I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (PA)

Despite multiple written requests, the ITEMS listed below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : XXXX5 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-18
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. (TX)

I have requested written verification allowing the following companies to view my credit file on these dates. 

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 I did not authorize any of the following to view my credit file. DID NOT! I requested validation showing my physical signature, nothing. I have asked XXXX times now.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (MA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies (AZ)

XXXX XXXX and Prestige Financial Services have been committing SECURITIES FRAUD, LANGUAGE FRAUD AND DEALER FRUAD. Without providing full disclosure of the Retail Installment Sale Contract as they have been trading and selling consumer credit contracts and promissory notes on the market as asset backed security and not giving consumers their share of the dividends. There has NEVER been any valuable consideration as the only intended to keep my security and fraudulent make me sign over the certificated of title, all money or goods received, and then still try to make me pay for the vehicle! Knowing that the contract was payment for the security interest.This includes : - The vehicle and all parts or goods put on it ; - All money or goods received ( proceeds ) for the vehicle ; - All insurance, maintenance, service, or other contracts you finance for me ; and All proceeds from insurance, maintenance, service, or other contracts you financed for me. This includes any refunds of premiums or charges from the contracts.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (MD)

After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy. 

15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 

Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. 

The account is XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (PA)

I have a XXXX XXXX. A few monthes ago I asked for my interest rate to be lowered. She said I could go on a program to help me and it was available for XXXX  monthes. I signed up for this. When I went to pay my following payment the website and everything was gone. After figuring out who to contact I was not given access to my account. I always had paid on the website. I was told that I was on a hardship program and since my card was expired and I had asked for a new one to be sent during the intial conversation about my interest rate that a new card was not being sent. I was then told that my address was wrong they would not change it over the phone. I literally had to email a picture with a letter of my address. After all of this I still was not given access to my account. I called several times and told I can pay on the phone. I told them I was not blindly paying something that I could not see. I asked for statements to be sent. I never received one. Finally on XX/XX/XXXX amd this has been since my XXXX payment I spoke to a woman who helped me to get into my account. Was able to walk me through the entire sign up process. I then made a payment. When I submitted the payment it just kept saying processing. Then after a couple minutes it said processed. On XX/XX/XXXX I checked the history and pending payments and did not see anything. I started a chat on the site and the person said it was there and she could see it. On XX/XX/XXXX I saw it was still not there and had never come out of my account. I went on and paid again. I started another chat asking if they could see the history. They told me no that there is not a way for them to see the conversation I had on the XXXX. Yet it states when you chat that it may be recorded. So again makes no sense. Now on my credit report it states as of XX/XX/XXXX that I am behind. This is ridiculous. XXXX  XXXX was taken over by Continental Finance. They have not tried to help me in anyway. I want this off my report. This has been the worse experience I have ever had. I have never had an issue with a company like this. I do not understand how they are allowed to do this. I want my credit report fixed from them and for them to take responsibility. I have read that several people have had this same issue. So if I am not the only one how are they allowed to get away with this. I want this to be an official complaint. My next step will be an attorney if I need to. I want to purchase a house and this just set me back with the broker.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CLGF Holdco 1, LLC (WI)

Recieved approval letter from bank credit card Company called. XXXX credit ( INDIGO credit cards XX/XX/year> company request additional information for approval .a copy of Wisconsin drivers license .also letter with address lSubmitted the documents request ed .Notice on recording indigo machine XXXX states they are are a Collection Agency who trying to collect old delt i. Instead of a company trying to issue out credit. This company is COLLECTION agency trying to collect old dealt. Which misleading due I don't owe this company. Which l summits important information .then recieved Denial
Consumer complaint received 2024-09-04
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

In XXXX, XXXX, I received a Chase XXXX XXXX XXXX card. I was the primary cardholder for this account. On XXXX, XXXX, I left the business that this card was used for. On XX/XX/XXXX, the total amount on the card was paid off and I put a freeze on the account. Unfortunately, the account Freeze did not stop some pre-authorized charges from occurring. Since I was unaware of these charges, this account became past due. The problem that came up was that Chase did not mail any notices of this to the primary address, which is my home address. Instead, they mailed it to the business that I was no longer at. In addition, because I opted for Paperless, I should have received electronic statements showing the past due amounts. However, someone changed the email address on this account from my email to the email XXXX. I never authorized this change nor do I even know who this is. The result was that I did not get any electronic notices for this account. On all three credit bureau accounts they show a 60 and 90 day past due mark which has negatively impacted my credit score. Upon noticing the issue during a routine credit report check in XXXX, XXXX, the amount past due was paid in full. In the last 7 months I have tried to get Chase to remove these derogatory marks from my credit reports to no avail. I mailed notarized letters to all three credit reporting agencies yesterday but wanted to make a complaint as well. The account # for this business card is XXXX.
Consumer complaint received 2023-07-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-06-07
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. (OK)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

I hope this letter reaches you in good health and spirit. I been on the phone over an hour trying to place my order and use XXXX XXXX XXXX {$120.00} before they expire with my Macys credit card. Been transferred several times and verified my account several times. My order was cancelled while I was on the phone for no reason they stated it need be verified and I verified my account several times and then transferred again to replace my order XXXX XXXX XXXX was not applied correctly its still missing {$10.00} of XXXX XXXX XXXX Im very upset because I been on the phone for over an hour. My issue is still not resolved. I feel discriminated against and treated unfairly.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

This is borderline fraud I am facing. I have spent so much money on an item that I did not get to use. I ordered a custom dress from XXXX XXXX on the DATE of XX/XX/year>. I ordered a dress for my XXXX XXXX in enough time in hopes that it wouldve came in time, which I expressed to you guys many times in my attempts to get my money back! It did not come on time. In the evidence Im giving you, the company STATES many times that they will have my dress ready on time and that I would receive it beforehand that did not happen. That was the first lie this company has told. I did not receive the dress until XX/XX/XXXX. XXXX DAYS after my XXXX, I spent XXXX dollars on this dress that did not come until after it was needed. I pleaded with them, they RUINED my XXXX As the screenshot says, They STATED THAT THEY would refund me if I shipped the dress back, AS I DID. I would receive my refund. THEY did not provide a RETURN-SHIPPING LABEL. SO I had to come out of pocket again to ship it back which I provided in the evidence as well. The dress got delivered to them on XX/XX/year>. They continue to give me endless excuses about the progress and process of my refund and I HAVE TO continuously message them and they dont reply or theyll leave my messages on seen. The blue check marks means theyve read it. I DONT KNOW WHAT THIS COMPANY IS TELLING CASH APP BUT I HAVE NOT RECEIVED A REFUND EMAIL YET OR ANY ACTUAL PROOF OR PROGRESS INFORMATION ABOUT A REFUND. I JUST WASTED XXXX DOLLARS FOR ABSOLUTELY NOTHING AND I WANT my money BACK. THEY HAVE THE DRESS! They are hijacking my MONEY. ITS XX/XX/XXXX AND NO UPDATE ON ANY REFUND FROM THEM. I NO LONGER TRUST THAT COMPANY. I RATHER YOU GUYS GIVE ME MONEY BECAUSE WHO KNOWS WHAT OR WHEN THEY WILL PROCESS IT. I was excited and now I feel defeated because they are giving me the run around over my money that they said they would refund! Please help me I am young and new to the lifestyle of scammers this is not fair! I honestly believe they did this to me intentionally as Ive seen on their social media page there has been many people theyve taking money from! I need your help Im going to continue to dispute this charge until I get my refund! Thank you again for your cooperation and understanding that I need your full support on helping me retrieve my refund! You guys denied my dispute multiple times without a proper investigation! You guys sat there and waited until the 60 day mark after I disputed three time showing you evidence of why I was mistreated by this company and you sided with them on multiple occasions even after it clearly shows Im the one in the right.
Consumer complaint received 2024-06-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

SOUTHWEST CREDIT SYSTEMS ( XXXX ) XX/XX/XXXX This is my third attempt to dispute an account from XXXX XXXX and their debt collectors on my credit report that are the result of IDENTITY THEFT.

I have summited all the required documents including : 1 ) POLICEREPORT 2 ) IDENTITYTHEFTREPORT 3 ) PROOFTHATIWASUNDERFEDERALCUSTODY 4 ) PROOFTHATIWASRELEASEDONSUPERVISEDRELEASEINNEWYORK XXXX ) PROOFTHATIWASLIVINGINNEWYORKUNDERSUPERVISIONUNTIL XX/XX/XXXX XXXX ) OTHERDOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car when I was in XXXX XXXX and then a XXXX XXXX and XXXX Release living in XXXX XXXX New York XXXX My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX  and all during my time in XXXXXXXX XXXX XXXX XXXX He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX  or supervised release without having to go through my XXXX  Obicer. The account that remains on my credit report that is NOT my account and is the result of IDENTITY THEFT is : - SOUTHWEST CREDIT SYSMTES/ XXXX XXXX while I under supervised release in XXXX XXXXXXXX XXXX New York XXXX I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account. Thank you for your time, XXXX XXXX
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

This is XXXX XXXX with my last & final complaint before I commence litigation. 
FirstPoint Collection Resources , Inc. & XXXX XXXX XXXX XXXX deleted the first alleged account pursuant to 15 USC 1692c ( b ) but is still continuing to furnishing the second alleged account. I am demanding that FirstPoint Collection Resources cease & desist all communication with me & this alleged account through any & all mediums with all third parties- ( XXXX XXXX XXXX XXXX XXXX XXXX once again. Failure to comply with the following provision shall result in litigation pursuant to 15 USC 1692k.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (MD)

I had my mortgage with Rocket Mortgage Loan number XXXX which included my escrow account for property tax and insurance in the period of XX/XX/XXXX to XXXX first XXXX. 

I had the second portion of my property tax due XX/XX/XXXX and the loan company did not pay. I got letters for tax delinquency and I called the company several times and they said my tax was due just in XXXX. 

They sold my mortgage to XXXX without paying the second portion of my taxes and any of the banks took accountability for the mistake, ( even they had the money to pay on my escrow ) and on XX/XX/XXXX I had to pay it myself with penalty & interest because my apt was going to be sold for tax delinquency. 

I called both companies to get the fines I paid but they refused to pay me back.