davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I AM TRYING TO GET ACCESS TO MY CREDIT FILE ONLINE AND ALL OF A SUDDEN MY CREDIT FILE IS BLANK. ALSO I'M GETTING AN ERROR MESSAGE WITH THE CODE " BLNK '. IS THERE ANY REASON THAT SUDDENLY I CAN'T GET A COPY OF MY CREDIT REPORT? PLEASE FIX WHATEVER THIS IS, SO THAT I CAN BE ABLE TO SEE MY CREDIT REPORT ON MYEQUIFAX.COM AND ALSO SO THAT LENDERS CAN PULL MY CREDIT AS WELL. I WOULD LIKE THIS FIX IMMEDIATELY. IF I HAVE ANY FREEZES OR FRUAD ALERTS CURRENTLY ON MY ACCOUNT PLEASE REMOVE. I HAVE UPLOADED A COPY OF MY PASSPORT, SOCIAL SECURITY CARD AND CURRENT ADDRESS FOR IDENTIFICATION PURPOSES.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC (CA)

Jefferson Capital reported an address change to XXXX. I received an address change alert on XXXX and checked XXXX. The address they claim is my new address is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. This is incorrect. I still live in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I believe this is in retaliation for me putting my debt on a debt consolidation plan. XXXX XXXX XXXX is working with them to pay off my debt owed to the account they purchase so they should leave me alone and stop these harassing debt practices.
Consumer complaint received 2019-07-01
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. (CA)

XXXX and Experian are reporting incorrectly a collection on XXXX in the amount of {$22.00} partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account is over 7 years old and continuing to report this item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Consumer complaint received 2024-06-24
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)

On XXXX of XXXX Equifax verified and an validated this account XXXX XXXX XXXXXXXX  after reinvestigation. Equifax failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit Equifax had more than enough time to validate this which they failed to do so on more than two occasions violating my consumer rights I want to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the immediate blockage and removal of account from my consumer report XXXX XXXX, XXXX already removed this account due to the following inaccuracies, date of last payment states XX/XX/XXXX but payment status says payed after that XXXX states last payment was XX/XX/XXXX both are inaccurate. which Im providing proof of. I have attached copies of the Federal Trade Commissions Identity Theft Affidavit, and I have also filed a formal complaint with the Federal Trade Commission ( FTC ). The complaint reference number is [ Complaint Reference Number ]. Additionally, I have reported this identity theft to the XXXX XXXX POLICE DEPT and I have obtained a police report number, for the case. According to applicable consumer laws and the FCRA, I demand the prompt deletion of these fraudulent items from my credit report. I expect these accounts to be removed within four business days of your receipt of this letter, as mandated by FCRA 605B. Furthermore, I am exercising my right under the FCRA to request a free updated copy of my credit report. Please ensure that this updated report reflects the removal of the fraudulent accounts. Any charges for this report should be waived in accordance with the law. Moreover, I request that you send notices of the corrections made to my credit report to all parties who have received my credit information within the past six months. This will help prevent any further dissemination of erroneous information. Please be advised that, unless you can provide verifiable evidence to prove otherwise, I expect no further communication regarding these alleged fraudulent accounts. As a victim of identity theft, I am taking all necessary steps to rectify the situation, and I trust that you will comply with the relevant consumer protection laws.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

1. I have a Square debit card ending in XXXX for XXXX XXXX XXXX, XXXX. 

2. I frequently use the card to purchase transportation from XXXX. 

3. On today, multiple authorizations were declined when I tried to use my card with XXXX. 

4. I only received a notification regarding one of the transactions ; not for the others. This is a problem because I should receive a notification for every decline. 

5. The email stated the decline was due to suspected fraud. 

6. There was no fraud because I did, in fact, authorize the transaction and Square should be able to see that I very frequently do business with this merchant without any dispute. 

7. I called customer service and spoke with XXXX with the misnomer " Square Customer Success. '' 8. I explained that multiple transactions were declined with XXXX  on the debit card ; that I did in fact authorize the transactions, that I was provided no option to validate and re-try the transactions, and that I am concerned about there being problems with my account due to the ( erroneous ) status of suspected fraud. 

9. She could only locate one of the transactions for {$21.00} but not the others that were declined. That is a problem because Square should have a record of all transactions. 

10. After " pinging '' the misnomer " My Advanced Support '', and lengthy holds, she provided no information about why was suspected fraud, provided no option to verify or allow the transactions, and provided no option to return the account to a secure, non-suspected fraud status, causing me to remain concerned that my account could be closed or frozen for no reason at all. Also, she said my only option is to use another card going forward. 

11. I asked for a supervisor and she said supervisors could not come on the line but could only call back. She failed to set up the call back. 

12. She provided an email summarizing the call, per my request. 

13. I said that the call back was unacceptable and I would stay on the line. She hung up on me. 

14. Before being transferred to the agent, I was promised a survey at the end of the call. There was no phone survey after she disconnected. 

15. There was a text message survey. I was not expecting a text survey and am unclear if that is what had been referenced by the automated system prior to transfer.
Consumer complaint received 2024-06-19
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. (AZ)

I have disputed two accounts on my credit report. They refuse to remove them. I filed a complaint with the FTC and submitted to them. It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c- 2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX XXXX XXXX  in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law The below are in violation and the disputed accounts need to be removed from all XXXX agencies. 

Equifax XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX was supposed to put my account in forbearance and my payments until I could pay it completely off. They did not and reported me delinquent of 30 days and 60 days in XX/XX/XXXX and XX/XX/XXXX when I paid them off in full, they gave me a payoff number, including all interest charged and confirmed to me that my payment would take me to a complete zero account and then I closed it. They however, held my payment posted against their policies on the next day and charged me additional interest because they held my payment. I contacted them. They credited me for the additional interest charge. They also tried to make me delinquent again after I paid them off They also reported to my credit report after I went to a XXXX balance and closed my account, reported me over my credit Limit and reported me over my credit balance on my credit report. I requested them to fix these deficiencies. They refused. I reported this to Experian XXXX and XXXX XXXX the 30 day delinquency when I paid it off was corrected. They fixed my account to be paid off and a XXXX balance but they however, did not fix the delinquencies of XXXX and XX/XX/XXXX. I believe this company operates maliciously and Operates in bad faith. If you look at my credit history on my credit report, I have several open accounts most of them I have paid off and I dont have any bad payment history with any of them. This is the only bank that I have ever had an issue with I would like this corrected and fixed.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have emailed four letter asking for Portfolio Recovery to provide me with debt validation and an assignment contract. The last certified letter that was sent was on XX/XX/year>. I have not heard back from the agency at all. They have added a debt on my account in the amount of {$2300.00}. The balance on the debt continues to increase monthly and I know that I am not responsible for this debt, however, the agency refuses to respond to my attempts to contact them. They just increase the amount monthly. I have tried calling the number listed for the agency but have yet to speak to someone that can validate that this debt is something that I am responsible for.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (CA)

XX/XX/XXXX - Disputed charge and requested account closed. They sent me a new card. 
XX/XX/XXXX - Was told dispute in process, requested account closed again, was sent a new card again. 
XX/XX/XXXX - Was told annual fee being reversed as account was requested to be closed prior to fee being charged. 
XX/XX/XXXX - Annual fee reversal and dispute are not showing in their system, called XXXX times and call was disconnected when asking to speak to a supervisor each time.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (CT)

Each month, I would be loosing over {$200.00} in points on my Marcus by Goldman Sachs GM Card. Frustrated I called the number on my card : XXXX on XX/XX/XXXX at XXXX XXXX. I spoke with a gentleman but I did not note his name. I asked if there was anything else I can do with these expiring points as I am not ready to purchase a vehicle right now and he said I was able to use my points, XXXX XXXX XXXX  to pay off my credit card bill. This was great, I would not be just letting all this money get wasted. I had {$4600.00} in points. He explained that once I am ready to make a payment, I would need to call this same number and they would do the transfer internally. 
Taking his word for it, when I went on vacation and used my card. On XX/XX/year> at XXXX I called in to do just this. I was then transferred to the rewards department and was told I was not able to transfer points to my balance. There was not a manager or supervisor there for me to speak to so I had to call back on Monday. I called back and get transferred to the rewards department. After speaking to many different people that explain its the rewards department issue, the rewards department state this is the Goldman Sachs issue and they do not have a drop down selection for this reward transfer because the type of card I have does not allow for this ; there is still not a satisfactory outcome. 
I would not have purchased as much as I did if the agent didnt tell me that I had over {$4000.00}. avaliable to spend.
Consumer complaint received 2024-08-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MD)

Moved out of the apartment on XX/XX/XXXX. Received notice of debt XX/XX/XXXX. Have not received direct contact from reported creditor until receipt of NCS intial letter on that date. Returned notice to NCS via US Mail on XX/XX/XXXX. Received second letter from NCS ( dated XX/XX/XXXX ) indicating I had not responded to their first letter and they would report negative information to credit reporting companies, without providing the requested detailed.validation of the charge.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

I have had several issues related to my JPMorgan Chase Business Credit Card. 

XXXX. During the pandemic they offered a relief program to me. They offered to waive a certain amount of payments and then came back and decided not to waive the last payment that they advised that they would as a result I was charged numerous late fees. 

XXXX. Most recent issue- Due to the above issue and in an effort to get the account back current and avoid the monthly late fees, I agreed to a pay back program back in XXXX and signed up for what was told to me to be a required monthly automatic ACH payments. The payments were made monthly with no issue for almost 2 years. In XXXX XXXX I contacted customer service, one, to try to see if there was a different payment plan/settlement option available due to the business no longer being in business, I was told no. Next, I requested to update the bank account on file. I was told on the call that they were having system/technical issues that week and as a result they could not remove and/or add a new bank account. They requested that I call back in a couple days, in which I did. I called at least XXXX more times on different days requesting to remove the existing bank account from automatic payments. Each time, I was told the lie that there were having system issues. 

Fast forward, I contacted my bank ( non Chase ) to try to stop the payments and at that time I was advised by my bank that JP Morgan Chase was not doing a normal ACH draft, that they were drafting checks, creating check numbers and as result there was no way for my bank to stop them from making drafts from my account. My bank advised the only option for me was to close my entire bank account and get a new account/account number. I contacted JP Morgan Chase one more time before doing this and I was still told they would not remove my bank account from the automatic drafts. As a result, I had to close my entire bank account, in which I had for YEARS. 

At this point, I feel that JP Morgan Chase has utilized illegal tactics to obtain monthly payments. I am not comfortable with providing JP Morgan Chase with my new bank account number as I do not want JP Morgan Chase to draft checks off of my account and then I know they will refuse to allow me to remove/make any changes. I do not want to have to close my bank account again. By the way, I was told that I had no choice but to sign up for automatic payments. 

JP Morgan Chase has left me with no options to pay the bill, is reporting me negatively to the credit bureaus and the reporting is not accurate.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (AZ)

I currently owe XXXX to navient for XXXX XXXX XXXX. They closed my campus in XXXX Az even after I graduated and I can not transfer any credits I earned from my diploma and now its just a XXXX waste of my education.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (WI)

I wrote a check a XXXX ( XXXX, WI ) on XX/XX/XXXX for goods purchased, {$270.00}. This check ( # XXXX ) has cleared. This was verified by our bank ; XXXX  XXXX XXXX, XXXX, WI. I have the original receipt and bank statement, also provided to XXXX. 
XXXX initially and incorrectly entered the amount in their system as {$210.00}. This was charfed to our account, but reversed on XX/XX/XXXX. The correct amount then was cleared via our bank ; again verified with the bank. XXXX has claimed, via TRS Recovery Services, that we owe {$240.00}, which represents the mistaken amount of {$210.00} plus a finance fee XXXX ; totaling {$240.00}. This was bullied out of us on a charge card on XX/XX/XXXX via TRS to attempt to clear our credit. ( XXXX among others ) We need the debt completely cleared ; a refund on our credit card, and any associated negativity removed from our credit history. 

We need your help! 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp. (NY)

On XXXX XXXX I went to XXXX XXXX XXXX XXXX XXXX inquiring on a vehicle. They were supposed to run a soft inquiry on my credit report but instead ran a hard inquiry and shopped me around to other banks to find me the best deal. XXXX XXXX, Stellantis Financial and XXXX XXXX also ran a hard inquiry. I contacted XXXX who told me to get a letter from the dealership and the other XXXX banks. I got a letter from the dealership but when I contacted XXXX, Stellantis and XXXX they said they can not provide me with those letters but they are also confused as to why it was ran as a hard inquiry on there behalfs too but it should have been a soft inquiry and that the dealership should write a letter that includes all three of the banks. I contacted XXXX and they told me that they can accept the letter from only the dealership to take off only there inquiry and I still need a letter from each of the other XXXX banks ( XXXX, Stellantis XXXX XXXX ). I contacted all XXXX banks again and they said they can not write those letters. I contacted XXXX again and they told me to contact CFPB and possibly can get help. Thank you
Consumer complaint received 2024-05-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IN)

XXXX dispute XXXX of events XX/XX/XXXX XXXX from XXXX received. I called them and was told that my account was paid in full and that this was possibly a scam. I was directed to destroy the bill and disregard. Thats exactly what I did. 

XX/XX/XXXX XXXX from XXXX for {$110.00} received. Again I called them and I was told that my account was paid in full and that this was a possible scam. I was directed to destroy the bill and disregard thats exactly what I did. 

XX/XX/XXXX XXXX from XXXX for {$110.00} received. Again I called them and I was told that they didnt know why I was getting the bill that my account was paid in full was directed to the bill and disregard thats exactly what I did. 

XXXX XXXX XXXX from XXXX for {$110.00} received. I called XXXX and they told me that I did but they can not tell me what it was for. I paid the bill in full. They closed my account. After several calls, trying to find out what account was open for me and who opened it. I was told that it was for a service from a laptop that I purchased from XXXX store in XXXX. XXXX representative at the store place a {$15.00} reoccurring fee onto my laptop. I did not sign up for this charge. I never used it and they verified this once I called the XXXX store. XXXX acknowledged and told me I would receive the service. They told me at that time that I would receive a credit for the {$110.00} of which Ive never received. 

XX/XX/XXXX XXXX XXXX dropped from XXXX to XXXX. I was turned down for a construction mortgage by town bank in North Carolina. 

Over the course of the last 10 months I have spent over XXXX hours attempting to repair my credit and get this issues resolved. I asked XXXX XXXX attorney-at-law to get involved. He told me he sent XXXX a letter of which they never responded. I have called the credit bureau XXXX XXXX and they told me only XXXX can remove this disparaging report. Upon several calls to XXXX they told me they can not remove it because they can not find my account. 

According to XXXX XXXX and XXXX, my credit scores were XXXX with XXXX XXXX XXXX with XXXX and XXXX with experience on XX/XX/XXXX. But unfortunately, after applying with a different bank XXXX bank XXXX North Carolina, they told me that my scores were in the XXXX with XXXX XXXX and XXXX and XXXX with experian. 

I was told by XXXX XXXX at XXXX Bank to reach out both to XXXX XXXX and XXXX and have them remove the disparaging reports. I plan to do this today. 


This is XXXX. 

XXXX Bank report XXXX Bank report