davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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. (FL)

This complaint is filed against both Espirian and XXXX for reporting a account on my credit report that has wrong/ incorrect information that is affecting consumers credit score, violates due process of federal law and violates the Fair Credit Reporting Act. Said account was disputed with both Espirian and XXXX and verified as correct/ accurate. Said account is called kickoff lending under account number XXXX. A investigation of both reports side by side will show errors and discrepancies which will show both credit reporting agencies verified completely different info. from same account which is impossible. A copy of the consumers smart credit 3 bureau report is included in this complaint to show all errors and discrepancies since reports are side by side.Both Espirian and XXXX can't verify info for the same account and both reports be so different in nature.I am requesting that this complaint be sent to both Espirian and XXXX and that each compare both reports and investigate all errors. Said errors are : 1. High balance on Espirian shows XXXX and XXXX shows XXXX. Both differ. 2. Date of last activity with Espirian shows XXXX and XXXX shows XXXX. Both differ. 3. Date of last payment with Espirian shows XXXX and XXXX shows XXXX. Both differ. 4. Credit limit with Espirian shows XXXX and XXXX XXXX XXXX. Both differ. XXXX. Espirian shows XXXX 90 days late and XXXX shows 4 90 days late. Both differ. 6. Espirian report states last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was in XXXX. Both differ on same report. 7. XXXX report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar, it shows in XXXX that the account was 30 days late. Both differ on same report and both can't be correct. 8. Espirian report shows on 2 year payment history calendar that in XXXX XXXX XXXX account was 150 days late and XXXX report shows under 2 year payment history calendar that account was 120 days late. Both differ and can't be correct. 9. Date last verified is missing on both reports. 3 bureau smart credit report with side by side reports will substantiate all errors and discrepancies. Both bureau reports greatly differ but both verified as correct is impossible.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (IL)

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This auto loan was opened fraudulently. I've been fighting fraud for years and this account on my credit report is one of many. My identity was stolen when I was XXXX and I've seen been placing fraud alerts on my credit files to prevent fraudulent accounts being opened in my name. 

I have documentation from the IRS and police reports.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (GA)

I use monarch money a financials aggregator to see all my accounts. 

Optum bank has stopped supporting XXXX party aggregators and has made it much harder for me as a consumer to access all my accounts in XXXX place. 

I find the optum bank website to be sub par and confusing in seeing my balances and growth over time. I'm very unhappy with their lack of interoperability
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge PIte Haan, LLP (GA)

debt collection attorney sued me and now garnishing my wages for debt they say i allegedly owe. amount {$4400.00} XX/XX/year>XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (PA)

I have multiple inquiries on my credit report from car dealerships from different financial institutions such as XXXX XXXX XXXX XXXX  and hard inquiries that I did not authorize and are unfamiliar with. I have been receiving harassment calls from different third party debt collectors that I have never signed any contracts with and have completed a detail summary to the police station in regards to my identity being compromised through XXXX and XXXX. I would like all inquiries to be removed from my credit report immediately as this has caused me significantly alot of damage to my credit report.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (FL)

I had a Credit Karma saves account in which I was issued a debit card. I used my card a few times then stopped using it just for emergency purposes only. Well, one day I go to check my account and its in the negative in which {$2400.00} was stolen. I have my physical card on me and my pin or info was not given out so I know its fraud. I call Credit Karma immediately to file a dispute in which they give me 3 claim numbers. It takes them ONE day to deny majority of my claim I recieved {$530.00} dollars. They sent me a document with the determination stating basically saying since I used my card one time ( by chip ) all the other transactions were authorized. They did not take into consideration all other transactions were ONLINE because the perpetrator didnt have my physical card. Once I reported they immediately closed my account down to where I couldnt get any of my info. There were online transactions that occurred to companies that I had no account with ( XXXX ) and multiple online transactions from XXXX ( reoccurring transactions in XXXX day ) which I provided them proof that I had no current online purchases with these stores. I contacted these stores and was told Credit Karma should have the invoice/transaction numbers to look into it. My problem is Credit Karma didnt conduct a thorough investigation within XXXX day and that was my right violated as a consumer. None of the merchants were contacted to check if an invoice was sent to me for those orders. They didnt confirm with the merchant if the items were shipped to the billing address of my card, they didnt look into IP address, email to confirm. There were multiple attempts to use my account after it had insufficient funds. They didnt consider that a red flag that maybe someone didnt have access to check the account and was still trying to steal money from me.They provided me with no proof that I made these transactions other than ONE transaction that I actually made using my physical card to go into a store. Again, I have no invoice number for any of these purchases and that should have been confirmed with the merchant in the investigation. I filed a police report for a few of transactions in which my account was used at a XXXX XXXX XXXX in my area but as online orders at a time when both of the restaurants were CLOSED. I provided them with that info as well to show that was a red flag and it wasnt considered that maybe someone has my info. I have been trying to cure this issue with Credit Karma for almost two months now. Upon request the team member refused to issue me my bank statement and last call I made to them the person I was talking to refused to give me his call id number so I would know who I was talking to. He then proceeds to give me a first name and tells me he cant provide me with a last. I can tell that it wasnt his true name and that he was lying to me. I just want answers and my hard earned money that I worked for.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax is violating the FCRA. I filed a dispute with Equifax about the closed XXXX XXXX XXXX account being incorrectly reported as a current charge-off. Payment status is supposed to reflect the current status of the account. Not only did they fail to correct the false information but Equifax is now committing FRAUD since they changed the current status of the account which was PAID OFF ALMOST 3 YEARS AGO to start reporting as A CURRENT CHARGE OFF as of XX/XX/2019 ( THIS YEAR )!!! It is not a currently delinquent account. It is a paid account and has been for several years now.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Westlake Services, LLC (LA)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, Louisiana XXXX XXXX Date : XX/XX/XXXX WESTLAKE FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Account # XXXX Notice to agent is notice to principal notice to principal is notice to agent { WESTLAKE Financial SVC # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at { XXXX, XXXX }. 
You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } It has been well over 30 days and you have not responded. This information by law must be deleted. 
15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at 1303. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at 1303 ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { # XXXX } from my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I worth the company portfolio recovery I had the collection removed already on my XXXX report I used the 15 u.s code 1601 an I also used 15 u.s code 1692 but it is still sitting on 2 of my reports this happens in my
Consumer complaint received 2024-06-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (OH)

I'm trying to get a debt management nonprofit to help me with this account but they won't do that unless I give them a " billing statement ''.

Republic Finance states they never issue these. 
I have contacted them and told them according consumer law Regulation Z in the Truth in Lending Act, the MUST issue monthly billing staements. 
They are disregarding this. 
I told them I will file a complaint with you and they are disregarding this. 
Please inform what you can do. 
Thank you.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (CA)

I am a victim of identity-theft. 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 4 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 identity-theft. 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 2024-07-17
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Propel, Inc. (VT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to visit my mother when I got back after XXXX XXXX of XXXX I noticed a few charges I had not authorized on my providers debit card issued by XXXX XXXX I have tried to make a dispute with them I even appealed there decision mind you that they had come to a final decision after just two business days that is not a thorough investigation at the time of my trip my phone cards and everything had been stolen and used I even sent in my police report number and documnet from the FTC so with my police report and all other information they are sticking to there final decision I need helo and knowing what other options I have and this was not authorized and these are my XXXX XXXX XXXXXXXX benefits that they are not helping me with I would appreciate if XXXXhr company would thoroughly investigate and take more than two days to look into this anf help me
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (FL)

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-06-28
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: American Credit Acceptance, LLC (OK)

On XX/XX/XXXX & XXXX XXXX had XXXX dierent nard inquiries show up on my transunion and XXXX report. 
They are as follows : 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
Consumer complaint received 2023-10-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I called customer service spoke to a representative and an account manager named XXXX to have the {$15.00} late fee to be removed. The due date on my account was XX/XX/XXXX and I forgot to make the payment on or before the due date. I made the {$200.00} payment on XX/XX/XXXX. The account manager XXXX said he could not waive the {$15.00} late fee because there was already two late fees waived this year in XXXX. One in XX/XX/XXXX and XX/XX/XXXX. I told the account manager that the second late fee was waived because it was a technical error on the bank 's part when I made the payment on XX/XX/XXXX not being posted on XXXXTherefore, that second late fee waive was not from my request! I get an email notification on XX/XX/XXXX saying that my minimum payment was past due. I chatted with the online chat representative on Synchrony Bank 's website. The online chat representative told me he was going to cancel the {$70.00} payment that I made on XX/XX/XXXX due to the bank 's technical error and that is the reason the payment didn't post on the account. Therefore, he instructed me to make payment again which I did on XX/XX/XXXX and that any late fee if applied they would automatically waive it. As a result of this, the second late fee waive was not from my request personally it was due to the technical issue on the bank 's part. Why should I be penalized for the second late fee request when it was the bank 's technical error? They can't even waive a {$15.00} late fee since I technically did not request the second late fee be waived??? That's ridiculous! Is this company desperate for money? Are they practicing their business legally? I mentioned to the account manager XXXX that I will pay the remaining balance owed leaving the {$15.00} left outstanding for the life of the account until this issue is resolved to my satisfaction. This company should realize that without the customers this company would be out of business. This is totally UNBELIEVABLE!!!
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

Prior to my account being closed XXXXXXXX XXXX I noticed a charge on my account dated XXXX XXXX XXXX for {$74.00} I own a XXXX account but I've never used it because I couldn't remember the password and they wouldn't let me create a new password this was established about XXXX or XXXX years ago and so I've never used XXXX they said I owed them {$200.00} I do have an attachment to send so they're saying XXXX block that I owe them I've never used XXXX XXXX XXXX never heard of them don't know what they are and when I noticed the XXXX XXXX XXXX email in my email account it also asked the question if I believed if it was a scam and I certainly do believe that it's a scam because I've never used this services and I don't have a bank account attached to my XXXX records will prove I've never used XXXX in this Chase account that I've had for 17 years so insane that I hope that you can recover my {$75.00} this is total fraud.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OR)

I applied for consumer credit as instructed by law to do so at times. 
Gave all information required by financial institution According to the law 15 usc 1691 & 12cfr 1002 Any adverse action in consumer credit transactions is illegal. 

Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please have these companies follow the law Reinstate my full credit/credits applied as i am aware that i am the source of all credit full faith and credit of the United States of America . As ordered.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Been trying for XXXX weeks to close my Account at USAA and have been getting the run around. Been on phone for over XXXX hours twice. been passed around to XXXX different people. They will not close it no matter what i do. they say they contact you but yet you can not get thru to any one. this card has a high limit on it and do not want to be responsible for any charges. USAA is very dishonest. I want this account closed but they will not. Any help would be Appreciated.