davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
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. (FL)

XXXX XXXX XXXX XXXX av XXXX XXXX, XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that Equifax has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Equifax will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I had a XXXX account when I was XXXX XXXX XXXX, and because you have to be at least 18 years of age to have a XXXX account, I believe the Informations was sent to credit card companies and then credit cards were sent to our address. When my father ran out of money to lay for food and other necessities I pointed out that we had credit cards that kept being sent to us, and so we used XXXX to pay for food and other necessities. Shortly after the credit card was used, a serious family problem occurred which resulted in forgetting about the use of the credit card. About a decade later ( now ) I decided to get a XXXX XXXX credit card, and when I signed up for it, there was no mention of a credit account in my name before my current one. A month or two after I got the XXXX XXXXXXXX credit card I was sent a paper in the mail from Portfolio Recovery Associates LLC ( PRA ) saying that I owe them {$450.00} because they bought my previous XXXX XXXX credit card debt. I then disputed their claim because I assumed they were talking about the credit card I got just after turning XXXX and they sent me copies of papers of XXXX XXXXXXXX saying that the PRA acquired my credit card account with a balence of {$450.00} ( The credit card used for buying groceries ). My father and I then decided to call PRA and see if we could somehow get the debt transferred to his name without any record of this debt being in my name. They then proceeded with telling us to pay it off and it will no longer be there but that didn't help us since there was still a chance for it to show up as a paid debt in my credit report.
Consumer complaint received 2024-02-12
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC (FL)

Celink is the company. The loan was initially processed and approved by XXXX XXXX. They followed illegal practices because my deceased Father should have never received approval for the reverse mortgage loan. He forged my name and did not have my permission to take out the reversed mortgage. I knew nothing about it until after he was deceased and the loan became due. Now I stand to lose my home which was inherited from my deceased Mother free and clear of any debt. I explained to Celink I knew nothing of the reversed mortgage but they have not presented all the information I requested. Now they have foreclosed on the home but I am still here living in it trying to reopen my case and not be evicted. I originally contact XXXX XXXX and paid them lost of money every month to fight on my behalf but they took advantage of me and milked my pocket of money I didn't have to spend. The Lawyer at XXXX XXXX decided to leave the company and closed my case. It is very sad what these reversed mortgage lenders are doing to steal the property from families. I know XXXX has a class action lawsuit but this needs to be a US federal issue that needs to stop. Unless they require recipients of the money to insure the loan for the full amount so it is paid off upon death, this is a very unfair practice of stealing properties. Can you help me and many others like me who are struggling to stay in our homes and did not receive XXXX XXXX of the money received by the reversed loan recipient.
Consumer complaint received 2023-12-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (DC)

I bought a VISA Vanilla Gift Card at XXXX XXXX on XX/XX/XXXX at XXXX for {$500.00} and paid an activation fee of {$6.00}. I attempted to use the card the same day, but the purchases were denied. I attempted to register the card and upon registering I had discovered that the funds were depleted by " XXXX XXXX. '' On XX/XX/XXXX at XXXX, I sent XXXX an email alerting them of the possible fraud on my account. I did not receive any response from them until a month later when they claimed that I did not have an account with them, and I should tell them the email or registered addressed. I don't have a registered account with XXXX and found the correspondence rather confusing. 

On XX/XX/XXXX, I also called Incomm to inform them that the prepaid card had been used fraudulently. They told me that I had to wait for the transaction to post before disputing, so I waited until XX/XX/XXXX and submitted a complaint # XXXX. 

I followed up two times with Incomm and they told me my case was being worked. 

Today, on XX/XX/XXXX, Incomm denied my dispute claiming that there was insufficient evidence. 

XXXX XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC (NJ)

My wife and was purchase engagement ring at XXXX XXXX and we thought the financing was a loan and when we started paying for the ring the jeweler the rep at the store said they couldn't receive a payment and I told them my husband has been paying at the store and this credit card company said we were supposed to pay them and we never received a credit card associated with this purchase. My husband went to the store and paid for the ring and they even discounted the sale of the ring because they understood that XXXX XXXX XXXX XXXX XXXX XXXX  and was unable to pay for the ring until a couple months ago. much to our surprise I received two large envelops from a law firm/collection from NY claiming we owed {$1800.00}. There is no verification that this is even my debt. there is no contract with my signature, the information is inaccurate and a lot of pages redacted which proves nothing even related to me. I see they are trying to file the motion to enter default judgement which is a tactic used by law firm that are debt collection agencies do and try to get the judge to sign these judgements hoping the people they file these motions against never respond. This letter is the first of me seeing anything of this accusation of debt.
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. (CA)

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 2023-11-07
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: Payfare International Inc. (MO)

I work a second job with XXXX and have chosen to have my earnings immediately transferred to the XXXXXXXX XXXX XXXX which apparently is a product of Payfare, and issued by XXXXXXXX XXXX 

On the evening of Monday, XX/XX/XXXX, I was completely unable to access my account on the XXXX XXXX app. After XXXX XXXX  '' that night, I received any error message which read " There was a problem with your transfer. '' I attempted to use my card for a purchase and it was declined. I tried contacting support for the XXXX XXXX XXXX and after 37 minutes without my call being answered, I hung up.

Throughout the night I attempted to access my account through the XXXX XXXX app and was unable to login. 
I called support again and this time, after 23 minutes, my call was answered. I was told " you can't use the app or your card until the current maintenance is complete. '' When I inquired how long this " maintenance '' would last, I was told " we have no idea. '' I later contacted support again, though this time I used the XXXX app ( different than XXXX XXXX app, but the support for the XXXX XXXXXXXX XXXX is the same exact support you contact for an issue with XXXX itself! ) On the XXXX app, I was able to get through to support via live chat on the app. I inquired about the error message I received ( There was a problem with your transfer ) and the support agent informed me they were researching the issue. The information provided was that they assured me I would receive the earnings, eventually. When I inquired as to when that would occur, I was told it SHOULD be there within 72 hours ( it's normally IMMEDIATELY available once my XXXX has ended ) and if it's not, I should contact support again. 
So I can't access the money I've earned, and XXXX can't tell me when the monies might be deposited into my account. 
My XXXX XXXX XXXX  continues to be declined, even though I had other funds in the account prior to the, um, " maintenance. '' The worst part in all is this is that when I work for XXXX, I don't take my wallet with me, since I'm in and out of my vehicle throughout the night. I only take my license, my XXXXXXXX XXXX XXXX  ( used to make purchases for XXXX orders at grocery & convenience stores ) and my XXXX XXXX card. I take my XXXX XXXX card with me to purchase gas while I'm working. Tonight I was stranded at a gas station for over 6 hours because I was on empty and only had the XXXX XXXXXXXX XXXX  with me to pay for gas. Eventually, a kind-hearted complete stranger overheard me talking to a fellow XXXX who was in the same boat I was and they paid for enough gas to get me home.
Consumer complaint received 2024-03-02
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. (CA)

I was doing some research into my credit report and what I found was pieces of information that were entirely inaccurate. I have been suffering with the loss of my child and now I am dealing with inacccurate information being reported on my credit and it is causing me severe XXXX. I need this fixed at once.
Consumer complaint received 2024-03-02
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. (OH)

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 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-24
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. (AL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXT XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$860.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/ Reference XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is regarding my HELOC loan at XXXX XXXX XXXX XXXX XXXX XXXX. I requested a payoff quote amount on XX/XX/XXXX. The company received my payoff amount of {$5200.00} on XX/XX/XXXX which was wired by a third party XXXX XXXX, of which {$5100.00} towards principal payoff. I received a letter stating that the loan was officially paid off and the XXXX feature was turned off. I also received a payoff overage check of {$25.00} on XX/XX/XXXX. 

However, my account was not closed as of XX/XX/XXXX when I reported this complain. I received the XXXX statement for the amount due {$100.00}. I called the customer service on XX/XX/XXXX who said that I was missing a Payoff Authorization form, but I did not owe the company, actually there was a credit on my account. I immediately sent the Authorization form with a certified mail which indicated they received it on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm if they have everything to close my account and release the lien. The customer service said that everything is good. I have their Research Reference : XXXX I received the company letter on XXXX with a new payoff quote and instructions how to send it. I called them again to to confirm what they want in order to close my account. I sent the new quote for the amount of {$54.00} in cashier 's check, along with my letter to request close my account and release the lien on XX/XX/XXXX by a certified mail. They received it on XX/XX/XXXX by USPS tracking. Also noted, the company actually sent me a check with the amount of {$50.00} dated on XXXX. This is so contradictory with the new payoff quote. 

Today, I found the XXXX statement dated XXXX with the amount of due {$1.00} under my account online. This company listed my account as Delinquent Account on my credit report as of XX/XX/XXXX. 

I have all documentations if you need to inveterate this complains. I want to close my loan account, release the lien at my county promptly and clear delinquent status from my credit report.
Consumer complaint received 2024-03-02
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)

I am writing to file a complaint against Experian for falsely claiming the disputed account XXXX as validated, despite evidence to the contrary. XXXX conducted an investigation, acknowledged the inaccuracies, and promptly removed the account from my credit report. This discrepancy raises concerns of misinformation and I request the CFPB to thoroughly investigate this matter. Your prompt attention to this issue is greatly appreciated. Experian is in violation of 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( XXXX ). ( Please see attachment )
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

Information has been sent certified mail. 
I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 USC 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C 1681 ( 2 ). My credit card, as defined in 15 U.S.C 1602, was used without consent. Under 15 U.S.C 1681s.your organization must act. The credit bureaus have failed to maintain accurate data. Due to erroneous information and data breach, I filed an identity theft report as per 15 U.S.C 1681 c-2 ( e ), these inaccuracies must be removed within 4 days. Unauthorized use of my credit card, violating 15 U.S.C 1602, provides me no benefit under 15 U.S.C 1681s.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

Information has been sent certified mail. 
I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 USC 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C 1681 ( 2 ). My credit card, as defined in 15 U.S.C 1602, was used without consent. Under 15 U.S.C 1681s.your organization must act. The credit bureaus have failed to maintain accurate data. Due to erroneous information and data breach, I filed an identity theft report as per 15 U.S.C 1681 c-2 ( e ), these inaccuracies must be removed within 4 days. Unauthorized use of my credit card, violating 15 U.S.C 1602, provides me no benefit under 15 U.S.C 1681s.
Consumer complaint received 2023-03-18
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: WELLS FARGO & COMPANY (MD)

Improper use of report ; 1 ] In accordance with the fare credit reporting act this creditor has violated my rights, under 15 USC 1681 section 602, states i have the right to privacy.

15 USC 1681 Section 604 A section 2, also states a Consumer reporting agency can not furnish an account with out my written instruction.

Under 15 USC 166 B, a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

I have hired a credit repair service to help in this situation, unfortunitly this has been a long and expensive process. XXXX XXXX XXXX. I have recently had to cancel service.
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: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-14
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. (IL)

I contacted trans union regarding dispute of a late payment on closed account, A representative told me to file a complaint to fix the issue since account closed and they cant get information regarding dispute and so every time I get the same result. I request to delete the account sine they failed to investigate it.