davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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: JPMORGAN CHASE & CO. (CO)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX XXXX XXXX  failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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. (PA)

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed XXXX XXXXXXXX XXXX for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot anke to get a place to live, bank accounts or credit because of thus theft. please help me
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am formally notifying your company of inaccuracies in my credit report. Federal law mandates a response within 15 days, and your non-compliance puts you in violation, subject to fines up to {$1000.00}. 
Provide the investigation results for the following accounts within 10 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Ive reached out to the individual companies ad was told I needed to reach out to the credit bureau itself in order to get the inaccuracies removed, however i was told that it was nothing that they could do for me.
Consumer complaint received 2024-05-30
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: TRANSWORLD SYSTEMS INC (MD)

My credit report shows a collection from Transworld Systems Inc. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I request validation of the debt. Therefore, the company should have provided me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of their state license, including license number. 

Transworld Systems Inc FAILED to provide several items on that list. They did NOT provide documentation that shows I agreed to pay this debt. They also did not provide the Agreement that grants them the authority to collect on this alleged debt. They also did not provide a copy of my state license, including license number. They did not send me all XXXX items. They can not send me some of those documents without falsifying them because they do not exist. I have attached the one, and only document the company sent me, that does not show where I am obligated to Transworld Systems Inc in any way. 

I am disputing the account stated below. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to verify that this is indeed my debt. 

Account name : Transworld Systems Inc Account number : XXXX The Fair Credit Reporting act requires you to verify the validity of this within XXXX  days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter.
Consumer complaint received 2024-05-30
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX and XXXX XXXX, 2 different credit inquiries showed up on my credit reports that I did not recognize as I was not applying for a credit card at all. The names of the inquiries were CITI CARDS CBNA and XXXX XXXX.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc. (TX)

I have opened my Paysafe account on XX/XX/22. I took my first credit card payment for {$320.00}. I realized that I missed a digit on my bank account information given during the signup process. There are 3 different merchant accounts that I have to sign into. Paysafe, XXXX and XXXX. I have gotten the run around since XX/XX/XXXX. Today a nice rep was able to help me get all of this updated. her name is XXXX. I spoke with a supposed manager named XXXX XXXX who told me to apply for the 2nd merchants which I did while on the phone with him. After my bank account was finally updated. My second merchant application was denied. I did not want to apply for one this person had me sign up for one. What kind of service is this? Not only to solve my problem in the most unprofessional manner. Because I need to update my account I was put on a ( merchant termination list ) I have never used a merchants account before. So this makes no sense. Before we would accept payments from our customers through ACH on 30 day terms. I signed up for this to get payments faster. Whoever this guy is has given me the run around with inaccurate information. I should not be put on any termination list when a manager rep from this company asked me to apply for another account. This is horrible service. I need this fixed ASAP. I do not want to have any problems when running payments.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/XXXX my account was closed. 
XX/XX/XXXX I requested the remaining total of the account which is XXXX be released immediately. Capital One representatives said the funds will be released when their " investigation '' ends.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (LA)

I was served with court documents in XX/XX/year> a motion to prove I owed a loan debt. I didnt respond because I thought it was fraud. This past week I receive a petition from district court about garnishment of my wages. I filed an answer refuting their petition. I have no knowledge of this so called loan or this company. I never received any verification of a loan and my credit report shows no loans by this company.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

They kept asking me to deposit money into my account in the name of making a program. Can we solve this? 

It encouraged us to continue trading with XXXX. 



Here are my USD account details Account holder XXXX XXXX XXXX XXXX WELLS FARGO BANK , N.A 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 WELLS FARGO BANK , N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
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. (VA)

I have a Dasher Direct Card powered by Payfare and I filed a dispute on XXXX for unauthorized charges by a merchant called XXXX totaling {$300.00}. On XX/XX/year> my dispute was denied and I immediately requested the documents used in determining the outcome but the refused Twice. Ive filed multiple complaints trying to get these documents they used from XXXX. There is no documentation that is the problem which means they wrongly denied my claim.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (NY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc (OH)

Contacted the company Affirm about a fraudulent loan that I was charged with on XX/XX/XXXX and they have been of little help. They are always telling me to go back to the merchant even though the merchant is no longer responsive. They need to take matters into their own hands
Consumer complaint received 2024-04-29
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: Healthcare Finance Direct LLC. (TX)

On the morning of XX/XX/year>, I visited a XXXX XXXX XXXX retail store. I was fitted for aligners and offered financing through Healthcare Finance Direct 's XXXX XXXX XXXX 

The agreement was that XXXX XXXX XXXX was to provide all the aligners, retainers, doctor ( Online ) supervision and a lifetime warranty. XX/XX/year>, I received an email stating that my aligners were on the way and would arrive by XX/XX/year>. 

XX/XX/XXXX came and went, and I did not receive anything. I attempted to call and email but was met with a message that stated that they have shut down operations. Next I contacted Healthcare Finance Direct and advised them that I never received my package although I did receive an email confirmation that XXXX XXXX XXXX sent a package. Healthcare Finance Direct stated that I would be responsible for payment since XXXX XXXX XXXX did send the aligners which I never received. When I heard this, I told them that even if they did send aligners, the agreement was for aligners, retainers, doctor supervision ( online ) and a lifetime warranty. Since I was not receiving any of this, I was not going to pay due to a breech in contract. ( I have included emails where they make claims that I would have doctor directed care and supervision every step of the way. ) They stated that they understood my frustration and would not be sending these types of accounts to collections. However, I recently received a " Final Notice '' to pay, and they have threated to send my account to collections. 

The fact that XXXX XXXX XXXX was still selling aligners to unsuspecting consumers and Healthcare Finance Direct 's willingness to finance them amidst a pending bankruptcy is predatory. 

I would like assistance in having Healthcare Finance Direct cease and desist from further collection efforts and to not send my account to collections and harm my credit. 

I appreciate your assistance. 

Kind Regards, XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

These inquiries were unauthorized and I am a victim of identity theft 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

To whom it may concern, I am writing to bring to your attention a concerning issue regarding an account on my report concerning a child support account. Reviewing my report I noticed a discrepancy that needs urgent resolution. 

On XX/XX/year>, I attempted to call the contact number listed on the report ( XXXX ) XXXX to discuss an outstanding balance of {$44000.00} listing on my report. To my surprise, the number connected me to a company that has no affiliation with child support services. This erroneous contact information caused me considerable confusion and delay in addressing my concerns. 

Given that this is not a credit account and the presence of this incorrect contact information on my report is both misleading and inappropriate, I kindly request a thorough review and correction of this error. Ensuring accurate and appropriate information on the report is crucial for me to resolve any outstanding issues effectively. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (AL)

Dear Attorney XXXX XXXX I am providing you with dates and XXXX information for payments made to XXXX on my mortgage account. I cant understand why this is always an issue with XXXXXXXX XXXX reporting inaccurate information. XXXXXXXX XXXX is reporting Ive missed payments from XX/XX/XXXX to XX/XX/XXXX, and payments from XX/XX/XXXX to XX/XX/XXXX. I am providing documentation to dispute these allegations of missed payments and inaccurate payments made. 

XX/XX/XXXX XXXXXXXXXXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXXXXXX XXXX $ {$900.00} XX/XX/XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$920.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} Please see attachment for XXXX dates paid and XXXX conformation numbers. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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: Integrity Funding Ohio, LLC (TX)

Integrity Texas Funding responded to CFPB complaint XXXX stating that they are compliant with state and federal laws and has committed no wrongdoing. They also stated that the contract meets all the requirements under the Truth in Lending Act, setting forth all fees and interest and payment information. Integrity Texas Funding failed to provide the required documentations so as of now this is hearsay and subjective. Your company failed to provide original loan documents which were requested of you and as a consumer I have this right. You have no basis to sell an alleged debt and accuse me of owing your company when you have failed to furnish such documentation. I have tried to handle this via CFPB and not in court but being that I now have proof of your negligence and disregard to provide the required documentation I will be moving forward with forwarding this information to my legal attorney to take this up in court. You have failed to provide a loan document bearing my name and any correspondence sent to me claiming that I had a debt with your company or that it was being sold. There are many FCRA violations that was committed on behalf of Integrity Texas Funding and I will be moving forward with filing a complaint seeking relief and monetary damages under FCRA Sections XXXX and XXXX.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (NJ)

Hi, XX/XX/XXXX The bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought as lease buyout, in cash, account paid in full, {$26000.00}, from the lease holder US Bank account XXXX, at the end of the lease, on XX/XX/XXXX. 

XXXX. A month later, I have not received the title from US bank, and did not receive any other written communication XXXX. After XXXX hours of combined US bank customer service phone calls, passed around to approx. XXXX different agents, it seems that US bank has erroneously sent the title to an auction, and the title is nowhere to be found. As one agent said it can take years until I will get my title. 
XXXX. Personal privacy violation with a potential identity theft : my SSN and address were sent by US bank to a 3rd party ( the auction house ) as part of their lease release package 4. The car value is depreciating, and I must sell it as our family is growing and I need an XXXX seater car. 
XXXX. I am writing you to help me get my title from US bank Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank ( lease closed ) account XXXX US Bank Lease Maturity phone number is XXXX The car was paid in full {$26000.00} on XX/XX/XXXX Thanks, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX : ( XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On today XX/XX/year> I attempted twice to use my debit card at a local XXXX which both times the transactions declined. I was aware my balance was low but it was enough available funds to cover the transaction. I then logged into my online account and noticed a message on not only the account in question, but my children savings account that Funds are unavailable for withdrawal. I called the number listed around XXXX XXXX and spoke with a representative named XXXX who stated to me that there was an investigation done and the institution decided to end the banking relationship. The reason to a check that was returned. The check was presented to me for a refund and I personally had no knowledge of the status of the said account. I the consumer is being penalized for the return check. 

The issue here is that the company is withholding funds without a cause and withholding funds from my childrens savings account that does not have anything to do with the account in question. I then spoke with a supervisor representative XXXX ID XXXX about the situation. I ask her for more information such the department that is handling contact info, what is the procedure, what is the timing process and phone number. She was unable to provide any of it. 

She stated the only information I can give you is the mailing address for the company President in which I felt was being very condescending. 

I have obligations I have to pay within the next few days and because of this companys actions of not making consumers aware of actions before they take them is gon na cause me hardship and stress.
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group (NJ)

I am writing to formally complain about ongoing issues I have encountered with Waterfall Revenue Group regarding an unverified debt reported on my credit profile. Despite multiple attempts to contact them for a debt validation letter, I have not received any response, which has compelled me to seek your intervention. 

Here is a summary of my attempts to resolve this issue : Initial Request for Debt Validation : Date : XX/XX/XXXX Address : Waterfall Revenue Group, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, NJ XXXX Outcome : The letter was returned undelivered. 
First Follow-up Request : Date : XX/XX/XXXX Address : Waterfall Revenue Group XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX NJ XXXX Outcome : No response received. 
Second Follow-up Request : Date : XX/XX/XXXX Address : Waterfall Revenue Group XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX NJ XXXX Outcome : No response received. 
Third Follow-up Request : Date : XX/XX/XXXX Address : Waterfall Revenue Group XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NJ XXXX Outcome : No response received. 
Email Communications : Date : XX/XX/XXXX Email Addresses : XXXX ; XXXX Outcome : No response received. 

In addition, I filed disputes with all major credit bureaus. Only XXXX responded, acknowledging my dispute and subsequently removing the account from my credit report. 

This lack of response from Waterfall Revenue Group not only violates my rights under the Fair Debt Collection Practices Act but also impacts my financial well-being. I kindly request your assistance in resolving this matter and ensuring that my consumer rights are not being infringed upon. 

Thank you for your attention to this serious matter. I am looking forward to your prompt response.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. Please fix these, ASAP. Thank you. 
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