davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

Company Name : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Phone number : XXXX Account number : XXXX Amount indicating owed : {$540.00} I have no acknowledgment of this company or this account. I have never done business with this company to owe such a debt. I have never been lent or borrowed any money from this company. I have never signed any agreement of a repayment to this agency. Im requesting that this company deleted this inaccurate information from my credit report because its violating my rights as a consumer. Im requesting that XXXX, XXXX, and XXXX remove this negative information from my credit report immediately
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Credit Acceptance, LLC (IN)

This CONSUMER PORTFOLIO SVC is reporting hard inquiry on my credit report that does not belong to me. I ask XXXX XXXX XXXX to remove this information from my credit report. 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details XXXX XXXX XXXX XXXX Companies Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number By mail only
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE Bank XX/XX/year> ^ Inquiry Details Inquiry Date Inquiry Type XX/XX/year> Individual XXXX Info @ XXXX Capital One XXXX, VA XXXX ( XXXX ) XXXX I have no relationship or knowledge of this inquiry and want it removed ___________________________________ XXXX XXXX SERVICES Bank XXXX XXXX ^ Inquiry Details Inquiry Date Inquiry Type XX/XX/year> Individual XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I have no relationship or knowledge of this inquiry and want it removed
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

Reference previous complaint and this complaint for an update on what investigations have determined. 

ID : XXXX I did not authorize the creation of any accounts besides XXXX. Recent investigations have turned up that my brother created them in my name while I was in a XXXX XXXX from XXXX til XXXX. He XXXX XXXX XXXX XXXX So Id appreciate you getting rid of those accounts. I didnt have access to my phone number, emails, or internet while in the XXXX XXXX so how would I have made them?
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

I have had this card for many years with absolutely no late payments. In reviewing my statement, I noticed that this company showed I was late and I immediately reached out to them and told them that it was an error on their end, however, it was to no avail because they refused to remove the late. This late payment that they are reporting has dropped my credit over 100 points. I have gone back and forth with the company and at this time, I've exhausted my efforts and felt it was time to just make a complaint against them and report them. I have never been late and demand that this error on their part be corrected.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/year>2024 I recently discovered that I lost XXXX reward points, valued at over {$650.00}, subsequent to the closure of my Chase credit card account on XX/XX/year>2024. Despite my expectation that these points would either automatically transfer to an existing account or that I would receive notification regarding their forfeiture, the points disappeared abruptly without adequate warning. 

Today, on XX/XX/scrub> 2024, I contacted Chase customer service and engaged with both a representative and subsequently a supervisor in pursuit of a resolution. Regrettably, they conveyed their inability to restore my points due to the elapsed 30-day period. Furthermore, my attempt to seek redress through XXXX was similarly declined on the grounds of company policy. 

I find Chase 's current policy regarding reward points to be markedly inequitable and akin to an indirect financial loss to consumers. The retention of customers through promises of accrued reward points, followed by their summary forfeiture upon account closure, lacks transparency and fairness. 

In the interest of consumer protection, I urge Chase to reconsider and amend their policy by implementing the following measures : 1. Provide timely notifications following account closure via email, postal mail, and telephone. 
2. Facilitate automatic transfer of accumulated points to an active Chase account, if one exists. 
3. Offer a cash equivalent or voucher for the value of remaining points to customers who do not have an active Chase account. 

These steps are essential to ensure fairness and transparency in customer relations and to effectively safeguard consumer interests.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rauch-Milliken International, Inc. (WI)

They have Continuously threatened to call my vendors and suppliers. Changed agreement amounts, tried to get me to send money to a personal account. Emailed me nonstop til XXXX.
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
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 (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To Whom It May Concern : I hope you're doing well. I recently received a response from Portfolio Recovery Associates about my dispute on some items in my credit report. They said the items were " Verified, '' but I have serious doubts about their accuracy. I'm requesting more details about how they conducted their investigation : Verification Process : Can you explain how your team checked the accuracy of the reported items? 

Documents Reviewed : What specific documents did you review during your investigation? 

Information Sent : Please provide a complete copy of all the information you sent to the data furnisher during your investigation. 

Costs Involved : How much did it cost to gather the necessary documents for your investigation? 

Timeliness of Documents : Can you show me proof that you obtained these certified documents in a timely manner? 

Direct Communication : Did your team directly contact anyone from the company that reported this information to confirm its accuracy? If so, I'd like to know who they spoke to, when, and what was discussed. 

Correspondence Copies : Please share copies of all emails and written communications related to this investigation. 

Documentation Provided : Could you give me conclusive documentation that supports the thoroughness of your investigation into this disputed account? 

Delinquency Start Date : What is the date when the delinquency for these reported items began? 

Cease Reporting Date : When will you stop reporting these items specifically? 

I also request a notarized affidavit confirming the accuracy of the information provided, as required by federal law. This isn't a generic requestI need detailed information to address my specific concerns about these reported items. 

If you can't provide the requested information promptly, as required by laws like the Fair Credit Reporting Act, I'll insist on these items being permanently removed from my credit report. They've significantly hurt my credit score and caused a lot of financial and emotional stress. If necessary, I'm prepared to pursue my rights through legal action. 

Please send your written response to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: VEROS CREDIT, LLC. (CA)

There is incorrect information on my credit report the company says that its not but I have submitted proof that they are doing wrong, I did not state that it was removed the account was closed and on all bureaus it was closed but all of a sudden it is opened again and on the last payments it just states there is no info, on where it says closed it says no info, they are trying to prolong the account to stay on my credit for ever and for statues of limitations it is supposed to come off my credit XX/XX/2025 anyways but they say I have to pay and Its never coming out, their statements are false and now they re opened the account after it being closed it is also not legal, I submitted proof and all they could say is that it does not count what I submit, I already reported this company to the attorney general and here I would submit all the proof. On my XXXX report this account is closed and on my XXXX XXXXXXXX XXXX XXXX it is opened again. And they way Veros Credit LLC is responding is very unprofessional and unethical it is very easy just to say that what I have submitted is not right because it doesnt benifit them
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: General Motors Financial Company, Inc. (TX)

Back in 2021 I got a divorce where in the divorce decree it states my ex husband is responsible for this account. I am unable to make any payments without being in violation of the decree. I recently noticed that I got a late on my credit for this account and I wasn't even aware this was on my file. Apparently had applied for skip a pay and had submitted the paperwork and there was some miscommunication that caused the skip a pay to not go through. however, in entering in this agreement it cancelled his auto pay which he did not know. I ask that GM Financial please make this right by either removing the account from my file or removing the late as I am unable to make payments and this was an error made by miscommunication. I have attached a copy of the page on my divorce decree
Consumer complaint received 2024-06-28
Product: Credit card — Store credit 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: Affirm Holdings, Inc (AL)

I purchased an item from XXXX on XXXX for {$220.00} Order # XXXX. My form of payment was using the AFFRIM XXXX  Card. 
On XX/XX/2024 I returned the item and XXXX received it on XXXX. They refunded {$220.00} back to the AFFIRM XXXX  Card. 
My complaint is with AFFIRM. They are not honoring this credit & saying there is a {$2.00} discrepancy. They tell me that I will have to pay them {$220.00}. 
I have documentation of the item shipped, received. And where XXXX credited back Affirm. I also have a screenshot from the AFFRIM XXXX showing where this {$220.00} is pending, but they will not release this pending because they say it is the wrong amount.
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

Jefferson Capital did not send notice of this matter before adding it to my credit. I was in the middle of loan applications and blindsided by this matter, I was aware by a credit monitoring alert that my score dropped XXXX points. I have a perfect payment history ; Jefferson Capital is the only negative item on my credit. This has made me XXXX  and has caused much stress. 

Jefferson Capital has not provided any worthwhile resolution as the item remains on my credit. Had I been informed properly, I could have disputed the item or resolved the matter before it ruined my credit. This appears to be a XXXX XXXX account. Jefferson Capital has provided me with how they came up with the alleged amount ( {$150.00} ), the phone numbers for this account, proof that I used any numbers, texts or data for this account. Nothing. 

Now they want me to sit for a month or more. I can't apply for credit - I will not get the rates or tier I deserve, if my application isn't denied altogether. When I emailed this concern to them, they replied to visit their website or call their number. They do not care. Veterans should not be treated like this. Please help.
Consumer complaint received 2024-06-28
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: Marlette Funding, LLC (NC)

Best Egg has decreed federal law totally void and unenforceable- and is fraudulently charging me {$160.00} for services never received. They fraudulently stated that they the merchant simply had no obligation to provide the services to me and as long as they said they just didnt feel like providing services. A rogue and corrupt agent then falsified written bank records saying actual evidence of misconduct against me was provided- when it never was. However, because I was simply of the inferior race, the bank determined I had no rights because white people dont lie. The bank falsified records saying they did an investigation and that actual evidence of proving any misconduct was provided- when it never was ( this is what the agent was lying about ), when no investigation was ever done, and I had no opportunity to respond or was ever contacted to answer any follow up questions.
Consumer complaint received 2024-06-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have two credit cards thru Comenity Bank XXXX and XXXX. Both these accounts have been since XXXX ( XXXX ) and XXXX ( XXXX XXXX XXXX. I have been paperless and both accounts are paid and watched thru their online apps since I have had these accounts. They are both in excellent standing and are paid in full each month. 

I have never had a problem with these online accounts until Thursday, XX/XX/XXXX. I was able to check on some return credits to make sure they were applied to my accounts on both of these cards on the XXXX of XXXX but on the XXXX, I could not get any verification code to come thru to verify myself as the rightful owner of these XXXX accounts. On XX/XX/XXXX I tried again and not only could I not get any verification code, it was telling me that their information and my information did not match. I want to reiterate - NO ONE but me has access to these accounts and when these accounts were set up in XXXX and XXXX, they have never been touched or changed except by me getting married and changing my last name. 

When I could not get anywhere online with these XXXX accounts, on the XXXX I contacted Comenity Bank thru the phone number ( XXXX Talbots ) ( XXXX JJill ) which are on the back of the cards. I spoke with XXXX different customer service people who all told me something different, were beyond rude and had no clue how to help me but they could take my money. They told me my email was wrong, to change my password ( can't because I can't get into my account and had a senior supervisor tell me to wait until next week to see if it resolved itself! But they all offered to take a payment- and they would give me the total they saw- with me having no way of knowing if it was true or not. 

I have no access to my account. No matter what I have tried to do, I can not access it, can't verify purchases or credits nor make a payment unless I take the customer service reps word on what it is. Any they have offered no help in restoring it. 

I do not know if these accounts have been hacked, but Comenity Bank has offered no resources or help in any way of solving these XXXX credit card issues. I have even tried to contact Comenity Bank directly, but to no avail. These XXXX accounts have been paperless for quite sometime. 

I need to be able to get to my accounts to verify everything and to pay my bill on time. This lack of care and concern on Comenity Bank and the unprofessional, ignorant customer service people I spoke with have left me to turn to you in help. I need my accounts restored, checked to see if someone else has had access to these accounts and be able to pay my bills on time.
Consumer complaint received 2024-06-29
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Bridge IT, Inc. (NV)

In XXXX, I signed up with Brigit for an {$80.00} wage advance. This was discharged in Bankruptcy in XXXX. I sent them a letter advising the same to the mailing address listed on their website. The letter was returned as undeliverable. Since XXXX, Brigit is debiting {$9.00} a month as a " Membership Fee '' from my checking account. I attempted numerous times to cancel this as the account was discharged in XXXX. They are impossible to deal with unless it is debiting money from the checking account without permission. I will also be filing a complaint with my bank.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries and made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (TX)

We have had two act of god disasters in XXXX, one in XXXX with tornadoes and storms that took out power and caused damage to homes. Second one just happened with Hurricane Beryl where we lost power and cell phone outages for at least 10 days. One of our mortgage payments was late just by a few days over the 30 days and Freedom Mortgage reported this to credit rating companies. During this time we weere also delayed coming back to XXXX from XXXX as our flights were diverted to XXXX where we spent 2 days. All of this caused delays and we were unable to get on teh internet to make any of our payments. All of our seervice providers understood this situation and gave us more time to make payments, except Freedom Mortgage. I woukld liek Freedom Mortagage to have empithy on folks who have just gone through a disaster with loses and remove this reporting from credit bureaus. 

You will see from attached documents that as soon as power and internet was restored i made sure teh account was briought up to date with 2 payments immediately.
Consumer complaint received 2024-07-09
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Commercial Services, Inc (MD)

XX/XX/year> I have contacted the company in to frequent calls. They have contacted my mother home number and other family members that I do not reside with, they have violated my FCRA rights. When I tried to get the issue solved they hung up the phone and blocked my number from calling back their call center. They have also threatened me with legal actions.