davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

Qvc states that i owe a balance of XXXX from 2017 ... ... .this debt went into collections ... .this debt is a easy pay that qvc provides ... .my purchases were placed on my qvc card ending in XXXX, they explained that the purchases were paid but not the XXXX pays... .this is very confusing and from that I'm understanding is that easy pays are separate entity... .I never received any letters from the XXXX collection agencys ( capital resurgence services, XXXXXXXX XXXX XXXX XXXX XXXX qvc states that I can pay them... I'm good with that and have ask them to validate the debt... asked several times and never received any validation ... ..meanwhile they have restricted my shopping privileges with qvc and hsn..
Consumer complaint received 2019-04-10
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: Midwest Recovery Systems (TX)

There is an issue with a derogatory mark/account on my credit report that inaccurate. This was not means I have no knowledge of who/where/how this appeared on my report. I attempted to dispute the error and received a reply that the information is accurate ; it is NOT accurate.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (CA)

SST took over the loan from XXXX XXXX, they lied and said they were servicing the account however, XXXX XXXX states closed on my credit report and SST is now listed. SST then closed and reopened the account dropping my credit score by over 50 points.
Consumer complaint received 2024-07-09
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. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (NY)

On XX/XX/year>, I purchased a pair of earrings through XXXX. I paid them through Affirm. The total was {$640.00}. I returned the earrings XXXX hours later. Affirm received a full refund. 

Affirm is now charging me {$28.00}, stating I owe interest on the earrings. I didn't have the earrings long enough to accrue any interest. Affirm received a full refund. 

Affirm is a scam!!
Consumer complaint received 2024-07-17
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. (PA)

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 U.S.C 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion provides a residential rental screening credit score that was used to make a decision regarding my application to rent a home. This score is different from my Transunion credit score. There is no way for me to obtain information related to this score, what information it is based upon, nor was I aware that such a score existed. This appears to be a violation of my rights under the FCRA and privacy laws. The Transunion representative described it as an internal score, but apparently companies can pay to buy it. Unaware of this score or its use as a rental requirement, I needlessly spent money applying to rent a home I would be denied for.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

on XX/XX/XXXX they updated credit record but still incorrect about XXXXXXXX XXXX 'deliquency dates ' information and incorrect " paid full less than balance '' information. ( 1 ) I paid total amount in full, in fact, over paid the amount, they even sent me a refund check for over payment. " less than balance '' must be deleted. ( 2 ) They calculated the record remaining date is until XXXX, XXXX is wrong and must be corrected. According to their own reported history record, this account was XXXX, XXXX, XXXX days late since XXXX, XXXX the record in file is XXXX  years from XX/XX/XXXX and ends in XXXX, XXXX, not XX/XX/XXXX. Most importantly, this account first missing payment dates started from XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX XXXX  did not report correctly but left as ND ). My account was is deliquency status started from XXXX, XXXX ( see attached letter ) The credit card was suspended and I was in XXXX XXXX  deliquency program paying the installments to their collection depart started from XX/XX/XXXX. This is XXXX account and the first original missing payment ( delinquency ) date was XX/XX/XXXX. According to the law, XXXX years expired in XX/XX/XXXX and should be removed from my record.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

In complaint XXXX I stated that Equifax lowered XXXX credit score XXXX points incorrectly and unfairly. I went on to say I own my home outright, I have XXXX personal debt, I have never been late on payments yet Equifax chose to lower my score. They have now sent a letter saying they can not find my identity in their database. If that is the case why would they arbitrarily be altering my score? They are now asking for personal information such as a copy of my social security card after already being given my SSN and copies of utility bills which they are not entitled to at all. This has absolutely nothing to do with my identity and everything to do with their shady practices for credit reporting. If my credit has changed why is my XXXX score going up while theirs is going down? Either they have faulty algorithms or they are just making it up. I suspect they are just trying to sell their credit watching tool XXXX on monthly subscription with false data.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Pay XXXX acct number XXXX {$850.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts are reporting on all XXXX bureaus and I want them deleted because I didnt authorize any of this activity An identity theft report was filed report number is XXXX Police report number
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I CHECKED MY CREDIT REPORT AND I HAVE HARD INQUIRIES THAT I DO NOT RECOGNIZE : XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (FL)

Consumer Financial Protection Bureau ( CFPB ) Subject : Account dispute against : NETCREDIT/ XXXX XXXX  I am writing to file a formal complaint against NETCREDIT/ XXXX XXXX  due to failure to respond to a credit dispute letter I sent on [ XX/XX/year> ]. which is related to the payments that your company marked late during the following accounts on the following date ( s ) : XXXX XXXX, XXXX XXXX ACCOUNT : NECREDIT/ XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX  ; XXXX or all that apply ) and update the accounts to positive.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

On XX/XX/XXXX, USAA sent me a text message notifying me my they suspected possible fraud on my Credit Card and froze it. I would believe them correct and appreciate that they did. I did notice difficulty with downloading transaction transcripts prior to this as well as when I received the notification, a pattern that seems to have developed at other financial institutions. At the time, I did not call them due to a combination of advice of legal counsel, and dealing with an extensive amount of other fraud. I understand that these matters are time sensitive, but given the circumstances which I hope will become evident, it seemed like the best option. In nearly every case, the retailer has confirmed their policies and that I am owed a refund. My complaint, is that I recently noticed my card became unblocked without any contact from me. My ability to download transcripts has also been restored. I've attached documentation of similar issues with other financial institutions that has made me wary of beginning this process with USAA. I've attached documentation detailing the above.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (ID)

WHAT IS THE ISSUE : Chase recorded a double charge of {$900.00} on our credit card on XX/XX/XXXX. The merchant that supposedly charged us the money was XXXX XXXX. Attached is the credit card showing the double charge and the invoice from XXXX showing only one charge. 


WHAT HAS BEEN DONE TO RESOLVE THIS : 1 ) I contacted XXXX XXXX XXXX did not show any double charge on our account and told me I would have to file a dispute with the credit card company. 

2 ) I filed a dispute with Chase online in XX/XX/XXXX noting the double charge. Chase contacted XXXX. XXXX provide Chase a receipt that Chase said proved that the double transaction was valid. 

3 ) I contacted XXXX XXXX XXXX with a copy of the receipt XXXX had sent to Chase. XXXX XXXX XXXX in response provided TWO separate emails explaining the codes on the receipt, what the codes mean AND specifically stating that XXXX ONLY charged our account ONCE. Attached is the second email from XXXX XXXX XXXX dated XX/XX/XXXX. 

4 ) I sent the emails to Chase via certified mail on XX/XX/XXXX. I supplied all the information and asked them to contact the person at the XXXX XXXX XXXX ( XXXX ) that had been working the case. Chase responded with a form letter. When I called Chase, they told me the time was up and they would not put me through to any manager. 

5 ) I went directly to a local Chase Bank for help. The Chase Bank contacted Chase Credit Card to reopen the dispute. They reached a Chase Credit Card Support Manager XXXX XXXX XXXX who said she would work the case. XXXX is no longer responding to the Chase Bank representative or to me via phone or email. Chase Bank says they do not have any leverage over Chase Credit Card division and that Chase Credit Card division can only be contacted via phone ; they could not give me Jessicas direct contact information. 

CONTACTS : Chase Customer Service; XXXX CONTACTS : XXXX XXXX ; XXXX XXXX ; XXXX XXXX  [ RE : Reservation ID : XXXX ] ; Customer Engagement Center ; XXXX ; XXXX
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (TN)

I was made aware about XX/XX/24 about possible fraud on the account and I made attempts to report the fraudulent use during the month of XXXX and XXXX due to the hijacking of my email account XXXX that was being used to reset password and prevent my access to the account. American Express failed to change the email on the account after requests were made. The failure led to the amounts {$2300.00}, {$2500.00}, {$2000.00}, {$170.00}, {$45.00}, XXXX in which {$45.00} was made through unauthorized charges, and the funds were transferred to another account using my name and a 2nd email XXXX on XX/XX/24. {$2600.00} initially went missing prior to this occuring were a sub account was closed after money was transferred and the reopened to complete the larger transactions XXXX, XXXX. On XX/XX/24 {$2700.00} was returned to the account labled as funds reversed. The remaining funds were withdrawn from account XXXX and my bank claim to have no further information for where the funds went and have failed to rectify the situation. During this time debits cards ending in XXXX, in which one was rightfully issued to myself by the bank ; the second card made with the same numbers was used to make point-of-sale purchases and such fraud could date back a year.
Consumer complaint received 2024-05-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (SD)

Wrong amounts. The last payment made to XXXX was on XXXX XXXX. I have bank statements. Please remove this from credit file. This is false. This company is saying I kept making payments till XXXX XXXX. Im sending a file of my bank statement. The second file is what this company is saying I was paying. I did not payments after XX/XX/2018. To XXXX. I asked for extension in XXXX.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To whom it may concern I XXXX XXXX submitted some accurate documentation to the Credit Bureaus are continuing to report inaccurate information to my credit profile.I have two account that are being reported as late and I've never been late on any of my account. I will up load documents to support the above statements. These account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I did my dispute with the credit bureaus for one late that was reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the bureaus went into my credit profile and reported additional inaccurate fraudulent activities on my credit profile.
Consumer complaint received 2024-07-29
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: AMERICAN EXPRESS COMPANY (DC)

See letter. I made an order for multiple items from XXXX on XX/XX/XXXX. Some of the parts were canceled by merchant because of " XXXX inventory '' ( XXXX : XXXX and XXXX ). The merchant agreed in writing to refund me but never issued the credit. Another item did not show up in a box sent from the merchant ( SKU XXXX ), the box had a large hole in it ( see photo ) ). I was offered a refund for this item but the merchant also never refunded me. I disputed the case with Amex and they found in the merchants favor, citing the merchant shipped out a box. Amex did not consider the details in my claim, and just used the tracking number to decline my whole claim.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for their refusal to remove fraudulent accounts from my credit report, despite multiple attempts to resolve this matter. 
I am a victim of identity theft and XXXX XXXX, which has resulted in several unauthorized accounts being opened in my name. Specifically, there are XXXX fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are still listed on my credit report. 
Experian is in clear violation of Section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act Despite providing Experian with all necessary documentation and repeatedly requesting the removal of these accounts, they have failed to take any action. This inaction is severely impacting my financial stability and causing undue stress. I would like your help in making sure that Experian meets its legal obligations and removes these fraudulent accounts from my credit report as soon as possible. 
Thank you for taking a look at this urgent matter. 

Enclosed are : A copy of my Police report, Identity Theft Report, proof of my identity, and address. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-24
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. (AL)

I have recently reviewed my consumer reports and observed an account for which is not reporting accurately. There are 2 late payments on this account that were paid on time. As you know, consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on the payments for the account in question : Account name : XXXX XXXX XXXX, Account # : XXXX and, I am including screenshots with this complaint, specifically for the dates XX/XX/year> and XX/XX/year>. I request a thorough investigation into this matter and require proof in the form of statements that validate these alleged late payments. If no proof can be provided, I demand that these payments be corrected to reflect " paid as agreed '' and/or " paid on time '' as they should be. Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (MI)

violated my consumer rights 15 us. code 1662 advertising of downpayment and installments 15 us code 1635 " Right of Rescission '' Truth IN LENDING ACT REGULATION Z
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my seven endeavors 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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7700.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXXXXXX XXXX Balanced Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX