davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-25
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. (CA)

I am now requesting proof of the previous investigation. Im asking that you send your method of investgation along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the accounts to PAID/NEVER Late and send me a copy of my updated credit report. 
XXXX XXXX XXXX  Opened XX/XX/XXXX never 60 days Late XX/XX/XXXX This account is showing that I was 60 days delinquency XX/XX/XXXX without any prior deliquency for any other prior months XXXX XXXX XXXX  Opened XX/XX/XXXX never 60 days Late XX/XX/XXXX This account is showing that I was 60 days delinquency XX/XX/XXXX without any prior deliquency for any other prior months therefore all reported deliquency needs to be updated and all lates be removed immediatley. This is a clear FCRA violation and a violation of my rights I need these accounts to report paid as agreed never late. I have provided copy of my most credit report that I received. Please update immediately because this is effecting and harming my opportunity to make home purchase.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

XXXX : On XX/XX/XXXX, XXXX mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXXXXXX XXXX  that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 

XXXX : On XXXX XXXX| mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXXXXXX XXXX  that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 


Equifax. On XXXX XXXX| mailed over a dispute letter to equifax disputing the completeness and accuracy for accounts on my credit report. I havent received a response as of XXXX I am demanding equifax to do their job and conduct a proper investigation on the accounts I am trying to dispute.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (NE)

15 U.S code 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 business days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these immediately! These accounts should not be furnished on my consumer report as they are in violation! Under, 15 U.S code 1681b-Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency written consent to anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion on these accounts listed immediately.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CL Holdings LLC (IN)

Thank you for taking a XXXX  of minutes out of your busy day to read this letter. Ive enjoyed my relationship with XXXX  and XXXX  XXXX since XXXXIm writing because I noticed your company reported a XXXX  in XXXX  on my credit reports. I am requesting a goodwill adjustment to remove this XXXX  payment from my XXXX, XXXX and XXXX credit reports. 
Upon review of my records, I realize that I did indeed miss the payment deadline. Unfortunately, I was without a job and was homeless. Now im trying to get back on my feet I take full responsibility for the mistake and have made sure it wont happen again. 
Im in the process of applying for a XXXX loan to get back in fourth to work and a apartment the negative impact of the XXXX account could result in a denial for my loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 
Sincerely,
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

One of my accounts went missing. I have a statement from XXXX. On XXXX it is no longer showing. After calling in and speaking to a representative who spoke to 4 other representatives they have no idea where the account went and they can not see the account or the . It is not showing in closed accounts, it is just gone.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO Bank, N.A. (WI)

On XX/XX/XXXX I saw that my business account was overdrawn due to an unauthorized payment in the amount of {$5000.00} that posted on XX/XX/XXXX. I immediately went into the XXXX XXXX BMO Harris Bank to ask for help in retrieving these funds and closing the account. I was assured by both the Bank Manager ( XXXX ) and personal banker ( XXXX ) that they would submit a fraudulent transaction report, close the account, monitor my pending payments closely to ensure they were paid from the new account I had to open and that I would be getting those funds back within 7 days. Here we are on XX/XX/year> and I still have yet to receive the provisional credit, they've returned payment to payees that were authorized so now I have roughly {$200.00} in charges that I have been assessed due to check bouncing, and the best part is that they have no update for me to even change my bill pay to my new account because it's all still on lock-down. I don't need to be an expert in banking to know that they have exceeded the provisional credit timeline, they claim " they're still researching it '' and that " everyone 's been in meetings all week '' when I've asked them to escalate it. Lastly, I find it to be distasteful to then be asked to meet with one of their merchant services team members so I can change who I'm currently using to process credit card payments. How about let 's focus on my business account not bouncing all over the place first. You can see where their real concern is. So while I'm waiting for roughly {$5000.00} to be returned to me, I've got no way to change my bill pay, no answers, additional fees from my payees, and today they threw out a new timeline of 30 days. I'd like to know who's running the show here and why is it that the concern is not around getting my money back, but instead me changing my merchant services. Simply put, I'm closing everything with BMO once this is resolved.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This complaint addresses fraudulent items on my credit report that are in violation of federal law. While I appreciate that some fraudulent entries have been removed, I noticed that several still remain on my updated report. Under the Fair Credit Reporting Act, 15 USC sections 1681, you are required to remove these items within the legally mandated time frame. The continued presence of these inaccurate items is negatively impacting my credit. Summary of the fraudulent items still showing on my report : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX Balance Owed ; {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX FL XXXX ; XXXX  XX/XX/year> ; XXXX  XXXX Balance : {$5300.00}.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

My account has shown " missing payments '' dates that were in fact pulled from my account. The most recent occurrence of this happened XX/XX/2024. {$200.00} withdrawn from my account via auto debit on XXXX XXXX, but when I log into my mohela account ( new platform ) it says that this payment is missing. It has said this for almost over a month. Despite it saying the payment is missing/overdue, their system also shows that the received the payment in the payment history on their webpage! What is this madness? 

I have called customer service for Mohela and they confirmed they received the payments in both of these cases. They were not sure why it was showing as missed on my account. I asked them to send me a letter certifying that I am not late on payments/ not delinquent and they have not. They just send me standard boilerplate bills showing that I am still missing payment for the date in question.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

I received a text alert from Chase asking if I authorized a XXXX transfer for over XXXX - I replied no. I then received a call from Chase and the person who called said they were with the Fraud Department. 

They asked for a reference number. I provided what I received. 

They told me that XXXX would not let it go through for that amount. They had me send a XXXX to reverse the attempt and that my funds would be back in my accountt in 24 hours - and all funds were gone and no return of monies. 

I immediately called Chase and filed fraud activity. They said ot would take 7-10 days to complete their investigation. 

I received an email stating my claim was declined as the transaction was done ferom my phone. 

I explained that I had been a Chase customer for 25 years, workes for Chase in the past, owned Chase stock and that this was my first claim files for fraud. 

Everyone I talked to said they are aware of the scam but nothing they could do since the transaction happened from my cell phone. They said too bad for your bad luck you were scammed and nothing we can do. 

I said they called from a Chase phone number, had me call Chase Fraud from mu husbands cell phone and ask for this person. They dis not give me the Chase number - I pilled it from their website. 

I am now out {$750.00} and Chase has said too bad for you but we will not back you. 

This is not fair, right or otherwise. 

This needs to stop- if they are aware of the scam should they not have notified their customers? 

I am devastated
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

Experian : On XX/XX/XXXX, XXXX mailed over a dispute letter to Experian disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Experian that was issued by them on XXXX, 2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 

XXXX : On XXXX XXXX| mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXX, 2024 that they received my dispute but they would not process it because they are assuming it is from a XXXX party. XXXX not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 


XXXX. On XXXX XXXX| mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I havent received a response as of XXXX I am demanding XXXX XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute.
Consumer complaint received 2024-05-25
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. (AL)

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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$8500.00}
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Prosper Marketplace, Inc. ()

recieved recurring phone calls about past due payment to a credit card i do not have nor applied for. They asked my informaiton to verify with what that have and said nothing matched not even the SS # but yet it is on my credit report. They would not give me any information but said they would report it as fraud. That was in XXXX. In XXXX I started getting the same calls and per a manger i finally got to speak to she showed no record of it being put as fraud and still wouldnt give me any information. She said she would have it removed and tagged as fraud and i would get an email confirming it. Never got an email and i get passed around to customer rept to customer service rep with no information. This is not my card and i want it off my report. I always pay MY bills on time and will not be repsonible for fees that are not mine.
Consumer complaint received 2019-07-25
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: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, Sage Stream, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am self employed the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DFC Global Corp. (FL)

XXXX XXXX Attorneys XXXX XXXX XXXX XXXX representative contacted me Via telephone to inform me about a payday loan debt in the amount of {$2200.00} from THE CHECK CASHING STORE. I asked the caller to show me documentation that debt belongs to me. I ask them to provide dates when alleged debt was issued. But the caller replied angrily that if I didn't pay the debt they will report it to the credit bureau. That's exactly what they did, and the collection debt was updated in my credit report on XX/XX/year>. Totally ruined my credit health
Consumer complaint received 2024-07-12
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (FL)

Called Wisely card services and requested to dispute charges because my card was stolen and used on XXXX & XXXX. I called XXXX times and been hung up on XXXX  times and XXXX call I placed on hold by XXXX and no one ever returned back to phone once Ive reached the dispute department. You could hear the rep laughing on the phone once I called back for XXXX time and they keep having me verify my information on every transfer of the calls. And still no resolution. I need my money back and I am a XXXX mother thats works hard. Im currently on hold still as I wrote this which sad. These take people finances as a joke. XXXX uses this company for XXXX XXXX on your pay check. Terrible idea once I get done with this complaint I will call XXXX and tell th about my experience. I XXXX XXXX this company and they need to be stopped.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A transaction occurred in which I did not get a refund or exchange with the merchant in XXXX  XXXX. I immediately disputed the transaction in which I received my provisional credit. I also provided the bank with the requested follow up documents in XXXX. 
On XX/XX/year>, XXXX XXXX notified me that my claim has been denied and I could request the documentation used to make that decsion by calling up XXXX. I called on XX/XX/XXXX, in which I received nothing. I called again on XX/XX/XXXX, still didnt receiving anything. I called XX/XX/XXXX and still nothing. This is a violation of Reg E and want to know what information was used in denying my dispute.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit file.