davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On XX/XX/year>, I opened a dispute with Equifax. XXXX reported that Equifax has not updated my XXXX XXXX balance since XX/XX/year>. On XX/XX/year> XXXX XXXX corrected this information. I just received an alert today from XXXX that states Equifax has reported information that my creditor has not reported to them. A few things, XXXX XXXX is closed today, They only report once a month, and last but certainly not least they just received a payment for the total amount that Equifax has reported. I just paid them they have no reason to report that. Equifax is fishing for information and has reported info that was not provided by my creditor. By doing this they have impacted my credit score unnecessarily and destroyed my lending opportunities. When I went to check my credit report it was no longer posted on their website. I have attached supporting documentation.
Consumer complaint received 2024-07-01
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE (AL)

I requested SCRA-SCRA Request to be Applied- Under the By-Laws of State of Louisiana -Service Relief Act. I requested XX/XX/XXXX and was told I did not provide the correct documentation to show XXXX XXXX status. I resubmitted - and have not received the Service Relief Act -by law under the Louisiana State Specific State Laws . The following email was sent as well as all attachments to show my husband is XXXX XXXX and has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
By law, all creditors have to follow SCRA-as well state specific SCRA benefits or provide evidence that by doing so would financially hurt your company, and there would be documentation and supportation needed to be provided to Federal Courts- to support. 

Barclays - My account was opened in 2012 and for 2012 until Barclays switched my account over to XXXX XXXX 

XXXX XXXX- followed the law and applied SCRA-Louisiana State Specific to account. They did not collect any interest while Barclays held my account until they switched my servicer. Was advised Barclays is responsible for the interest they collected while they serviced my credit card.
Consumer complaint received 2024-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (UT)

FTC Report NumberXXXXDESIGNED RECEIVABLE SOLUTIONS has placed four unauthorized collections on my credit without notifications. Validation of a Debt Request Pursuant to 15 USC 1692 gb, Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) 18 U.S.C. 1028A : Aggravated identity theft. DESIGNED RECEIVABLE SOLUTIONS is not licensed to collect this debt in my state.Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations.You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports.This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. This is identity theft!
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (TX)

My XXXX XXXX credit card account has been closed due a bankruptcy placed on my account. My sister filed bankruptcy XX/XX/year> and her information has somehow landed on my credit report and this credit card account has been closed. 

I've contacted XXXX and spoken with them thrice. I do not feel competent that I'm being heard about the matter. No one will tell me which credit agency reported the bankruptcy so that I can speak with them nor will any of the credit agencies help me. 

I am not in bankruptcy, my sister is. My name is XXXX XXXX XXXX, her name is XXXX XXXX XXXX. Our social security numbers are identical save for the last two digits.

Please correct your bankruptcy department and restore my account.
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: Kikoff Inc. (TN)

I have contacted this company several times and they agreed to remove it from a credit report. I did not keep this account open I had it open for approximately a week it looked weak as all get out and I didn't need it so I closed it? But they never closed it and I was not aware they were trying to charge me I don't owe them nothing and I never did.
Consumer complaint received 2024-06-28
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 (NY)

I have reviewed my credit profile and noticed unauthorized Inquiries on my credit report. I demand that they're removed immediately! By law, I have the right to do so and I demand for that to happen ( 15 U.S. Code 1681i, Paragraph 5 ) with XXXX XXXX added to my credit profile within 30 days of this matter being opened. I DO acknowledge the inquiry from Capital One Bank on XX/XX/XXXX as I, XXXX XXXX applied for " Quicksilver Credit Card '' and was approved for a line of credit {$750.00}. I can NOT acknowledge these XXXX inquiries below and once again I DEMAND they're taken off my credit report. This is a cold sense of Defamation of Character due to me having these unknown/unauthorized inquiries on my credit report it seems as if I've been applying for things in a earlier stage than I was suppose to and I am very responsible credit holder. Please understand the severity of the situation and complete the deletion of these inquiries, Thank you! I have reviewed my credit profile and noticed unauthorized Inquiries on my credit report. 

Law Backing Truth : ( 15 U.S. Code 1681i, Paragraph XXXX ) Inquiries : Capital One Bank, N.A on XX/XX/XXXX Capital One Bank, N.A. on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiries : Capital One Bank, N.A on XX/XX/XXXX Capital One Bank, N.A. on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX 2024
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I used PayPal to send money to my cousin in XXXX once or twice a year, on XXXX XXXX, 2024. I sent {$300.00} to my cousin XXXX XXXX, thru PayPal, it charged me {$9.00} for this service, the transaction XXXX is XXXX but after a couple of weeks, my cousin had not received it. I contacted Paypal, according to PayPal, the transaction was completed, they couldn't do anything, my cousin in XXXX called the agent in XXXX, at one time, they asked for my receipt, I told them the transaction XXXX, but they didn't release the money, I kept on complaining several times, they kept on giving me a run around and some non-workable solution, and told me they can't do anything. 
Also PayPal set up an outlook account for my cousin : XXXX without letting us know, my cousin can not access it. 
Please investigate this matter.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TN)

I have been a Chase Credit card customer in good standing for many years, using different products. I decided to switch to another company due to what I perceive as predatory practices and excessive interest on the part of Chase despite my XXXX credit score. In doing so, I arranged to transfer my balance to the new card. At that point I had XXXX balance. I received my latest statement. I noticed two things. ONE, I received a refund from a merchant transaction but there was no mention of a refund of the interest since the refund process spanned two billing cycles. If Chase does not refund interest charged along with the original transaction amount, how is this legal? TWO, I paid for merchant services using the card on XX/XX/year> in the amount of {$280.00}. On the following day, XX/XX/XXXX per my statement, I was charged {$49.00} interest on that single purchase, a 15.24 % upcharge. My billing cycle ends XX/XX/XXXX. I called Chase customer service and they first said I had a grace period and then they said I did not because I had transferred my balance. I don't care what you call it, this is predatory and amounts to usury. Given the struggles that people are having to make everyday ends meet, I think these practices need to be looked at at a Federal level.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo XXXX credit card account was cancelled, and all my points forfeited due to " fraudulent activity '' without any warning to me. This is a deceptive and unfair business practice for Wells Fargo and XXXX to close my account without providing me either warning or an opportunity to respond. 

In summary, I attempted to pay off the credit card through a savings account ( XX/XX/XXXX ) and this payment was reversed by the funding bank for some reason. XXXX in no way informed me of this. I only noticed once my card started getting rejected due to the unpaid balance. I called them on XX/XX/XXXX to explain the situation. They refunded my interest charge and never gave any indication my account was at risk of closing. I had the account paid off within a week ( XX/XX/XXXX ) but they had already made the decision to close to account ( XX/XX/XXXX ) due to " fraudulent activity '' without letting me know. There was no communication whatsoever about having flagged " fraudulent activity '' or that my account was at risk of closure. Additionally, I can still access my account both on the XXXX app and website, and nowhere does it indicate the account has been closed. I went into a Well Fargo branch today ( XX/XX/XXXX ) and they agreed this is an unjust and illogical situation. Yet were not able to have XXXX reverse this situation. I lost XXXX points due to this - essentially, they stole ~ {$240.00} from me without any warning and have caused unjust damage to my XXXX XXXX. This needs to be seriously addressed.
Consumer complaint received 2023-12-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NC)

Multiple collections agencies are playing pass the ball with a debt from many years ago. Every time my credit score increases.for some reason it gets sold to another collection co. And it decreases my score and it keeps repeating over and over. That's fraud! Collection co.is ONLINE INFORMATION SERVICES AT THIS MOMENT AND THE ORIGINAL DEBTOR IS XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo auto went a year without reporting to the credit bureaus on my auto loan and then out of the blue they report a charge off. I believe it's because they were undergoing a mass class action lawsuit during this time which they were ordered to pay customers back in XXXX which just so happens is the year they didn't report. They could not answer me why they waited an entire year to report it. I had no idea until all of a sudden in XXXX of XXXX my credit score dropped over a hundred points.
Consumer complaint received 2024-07-01
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. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX  ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-05-09
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. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-11-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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)

NOTICE TOAGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing to formally dispute the information you have reported on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration proceedings provided by ADR.ORG.

I am fully aware of the financial implications associated with initiating arbitration proceedings, I am offering you a one-time opportunity to settle. You can compensate me with {$6000.00} for the mental distress, anxiety, emotional distress, and financial hardship this inaccurate reporting has caused me. Additionally, you must delete the disputed trade-in from all reporting agencies.

Here is a breakdown of the costs you will incur if this matter proceeds to arbitration : - Filing fee for both parties- Arbitration initiation fee- Arbitration deposit - Legal costs incurred throughout the arbitration process According to ADR.org, these costs will be covered by you, and they can amount to tens of thousands of dollars. Therefore, it is in your best interest to settle this dispute amicably.

I also demand that you cease and desist all illegal activities related to this matter, including any form of communication other than through mail. As per 15 USC 1692c ( c ), you are prohibited from contacting me via any other means once you receive this notice. This statute states : " 15 USC 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond to this letter within 15 days to confirm the removal of the disputed trade line and your agreement to compensate me for the damages incurred. Failure to respond will result in the initiation of arbitration proceedings, which will be significantly more costly for your company.

Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX Balance Owed : {$230.00}
Consumer complaint received 2024-07-01
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. (MO)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXXXXXX 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MO)

I am writing to demand that [ SBNASELFLNDR ] immediately cease the improper reporting of late payments on my credit report. The reported late payments are inaccurate and do not reflect my actual payment history. This erroneous information is causing undue harm to my credit score and financial reputation. Under 15 USC 1666b of the Fair Credit Billing Act, I have the right to challenge these inaccuracies and request prompt correction. I insist that you investigate this matter immediately, remove any incorrect late payment entries, and provide confirmation of the corrections made to my credit report. Failure to address this issue in a timely manner will compel me to pursue further legal action to protect my consumer rights. In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ SBNASELFLNDR ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation. I did not give written authorization for this account to be furnished on my consumer report.