davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I did a dispute on this fraud account XXXX XXXX with Equifax and the other 2 bureaus. Equifax came back and said this fraud XXXX XXXX account was verified stating it is a CHARGE OFF that is reporting every month a late missed payment since XXXX and XXXX. They stated that this account last reported on there Equifax system on XX/XX/XXXX and it reported it as a late missed payment they have not received any report since then and they stated that they received Data from XXXX that this was a fraud account so they reopened up a XXXX Dispute investigation on XX/XX/XXXXXXXX  after they closed a dispute and inaccurately verified by Equifax and XXXX XXXX which is a FCRA violation that a charged off account can not be open reporting late payments every month. Again Equifax has stated that this account was never closed it is open and has been reporting negative missed payments every month since XX/XX/XXXX, XXXX This below is an Equifax Dispute Department Supervisor that informed me today XX/XX/XXXX. His name is XXXX employee ID # XXXX he is in the Dispute Department. He stated that this account does not showed closed on there system. Every month all of XXXX and XXXX this Fraudulent open XXXX XXXX account has reported late missed payments every month last report was XX/XX/XXXX when they reported a late missed payment it shows charged off but it is open still not closed reporting late payments every month..On my Equifax. Com a subscription I pay for monthly shows this fraudulent open XXXX XXXX  account as CLOSED this account has dropped me XXXX points on XX/XX/XXXX due to this new dispute open that Equifax received from XXXX. This account is a part of the closed installment account statuses on My. Equifax. Com and they are telling me that it is not CLOSED and there is no date of closing it is OPEN and has been reporting once again a late missed payments on my EQUIFAX credit report every month since XX/XX/XXXXXXXX  when this account was charged off. Something needs to be DONE NOW this fraudulent account needs to be DELETED ASAP due to the FCRA violation that it has been charged off and reported inaccurate late missed payments every month since XXXX XXXX..We are going to be in US CONSUMER LITIGATION court in the near future due to this fraudulent XXXX XXXX  open auto loan account that was charged off XX/XX/XXXX. They have harassed me and threatened me as of today.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On the day of XXXX couple of transactions, were made from my account while I was heading to work with my debit card. The XXXX one was at XXXX # XXXX XXXX XXXX XXXX. XXXX XXXX, CA. withdrawn $ XXXX XXXX one was at XX/XX/11 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , withdrawn XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX CA. XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX THAT'S all the transactions they did throughout the morning while I was going to work.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a XXXX of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX  Please delete the items as soon as possible.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (DC)

I notice that this account is reporting as a charge off. I have request for a 1099-c from the company 3 times and for them to update my account to the XXXX Balance that is reporting. I have attached the following letter sent to the company and no response.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Company Information : Name : Jefferson Capital Systems Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Account Information : Account Number : XXXX Last Reported On : XX/XX/year> Date of Last Activity : XX/XX/year> Credit Bureaus Reported To : XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection/Charge-Off Account Rating : Collection/Charge-Off Creditor Type : Collection Services Account Status : Open Balance Owed : {$490.00} Complaint Details : I am writing to file a formal complaint against Jefferson Capital Systems for the handling of the above-referenced account XXXX which is currently reported on my credit files with XXXX, XXXX, and XXXX. My complaint is twofold, focusing on the inability to validate the debt due to Jefferson Capital Systems ' use of an address that does not receive mail, and the subsequent reporting of this unverified debt on my credit reports. 


Despite my efforts to validate the debt associated with the account number XXXX, my attempts have been hindered by the fact that correspondence sent to Jefferson Capital Systems at the address provided ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) was returned to me, indicating that the address does not accept mail. This situation has left me at a significant disadvantage, as I have been unable to exercise my right under the Fair Debt Collection Practices Act ( FDCPA ) to validate the debt in question.
Consumer complaint received 2023-10-27
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (CA)

On the morning of XXXX I viewed the transaction history on my Wisely by ADP pay card and there was a transaction I did not make for {$14.00} made for or by XXXX XXXX XXXX XXXX. I immediately contacted the Wisely customer service center to report it and cancel the card. They have since given me the run around regarding this Transaction and then sent a notice with the finding that it was not a fraudulent transaction. Upon review and multiple attempts trying to discuss this issue with someone the only advice was to write a formal request to receive the documents used to make the decision and reopen the claim. So on XX/XX/2023 I mailed them a letter to the dispute address provide and have since still been given the run around and told they did not receive my request. I keep getting hung up on or told the only option is to wait for a call back but nothing is done. This is horrible to treat people like this and I understand people lie but if they looked at my transaction history and actually investigated they could see I did not make this purchase.
Consumer complaint received 2023-12-02
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2024-06-11
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Strategic Financial Solutions, LLC (VA)

XX/XX/XXXX - I'm raising XXXX XXXX. met with individual with XXXX XXXX XXXX ( STrategic financial solutions ). 
Every month I paid {$380.00} until XXXX of XXXX. Paid an additional {$400.00}. This is what they withdrew each month : Service fee of {$160.00} Admin Fee of {$69.00} Retainer of {$100.00} Service charge of {$10.00}. 
of the {$380.00} i paid each month there was only {$43.00} left over to pay my bills. they only paid One bill for about {$200.00}. I tried calling over and over and emailing but NO results. I have had to turn things over to another financial place to help me. It really messed my financial situation up even more. I did get XXXX XXXX  to send me what i paid for a couple months. This should not happen to anyone. for XXXX months I paid {$3800.00}. of that amount they took over {$3000.00}. I can not pull up my account with them as they evidently deleted it. i have some papers I hope will help.
Consumer complaint received 2023-09-20
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Shore Financial Services, LLC (NY)

UWM Mortgage did not lawfully obtain my consent in accordance with the GLBA to share my information with third parties including but not limited to any Consumer Reporting Agencies. UWM has reported private financial information about the consumer to third parties including but not limited to Consumer Reporting Agencies without lawful authority resulting in the breaching the herein mentioned contract.

Pursuant to 15 U.S. Code 6802 ( b ) ( 1 ) of the GLBA A company may not share any of my personally identifiable financial information aka non-public personal information unless you have provided me with a disclosure that provides an opportunity to Opt Out as well as directions as to how the consumer can exercise that non-disclosure option.

These actions are depriving me of my right to privacy, and my right to contract. In addition to credit extension deprivation, I have also suffered a substantial loss in wages. I was denied a Direct plus loan to pay for my daughter to attend college.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc (NY)

I have called Affirm numerous times and tried their website, only to be told my account is frozen. 
I don't have an account number, When I try to log in to Affirm my account is frozen. 
I called them only to get dropped calls or they were escalating. 
I did not authorize anything with XXXX XXXX, and they have no record of this transaction. 
If I did, I would like to see my signature on an authorized bill I would pay the {$86.00} to to them off my back, but I can't. I wouldn't know how to send payment without a statement. 

I hope you can get a statement with an account number showing the unauthorized charge. 
I am counting on this!!!!!!!!
Consumer complaint received 2023-08-29
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. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-08-29
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. (PA)

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 2023-12-02
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX  Balance Owed : {$22000.00}.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX. XXXX, XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-12-21
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. (MD)

I requested and received my personal credit report from all credit reporting agencies in XX/XX/XXXX. I froze my credit report due to unauthorized access to my information. I immediately filed a police report ( XXXX XXXX  ) and notified the Federal Trade Commission XXXX I have submitted numerous requests to remove unauthorized hard inquiries. The credit reporting agency refused to delete the information without verification and accuracy of the information. 

I sent the unauthorized solicitors certified mail requesting removal of hard inquiries. I have listed all of the hard inquiries I could not contact due to unforwardable addresses and no telephone number provided by the credit reporting agency. 
Remove the following unauthorized inaccurate and unverifiable hard inquiries immediately : 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 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
Consumer complaint received 2023-08-29
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed 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 procedures provided by XXXX 

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XX/XX/XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the AXXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (OH)

This is continuation of my last complaint XXXX, which CFPB closed. But the problem remained unresolved. 

In short, I had sent {$1000.00} to XXXXXXXX XXXX XXXXXXXX via WU. WU claimed the money was transferred XXXX XX/XX/2023. I have been communication with both WU and XXXX since that time. But all I received is denials from XXXX and WU 's claim of successful transfer. XXXX demanded a SWIFT number, which WU provided to me, and I sent that to XXXX. XXXX corporate office now wanted to correspond with WU directly to track the missing money. I gave XXXX the email address of WU ( name : XXXX ). XXXX wrote to XXXX and waited for a response. I suppose WU ignored them. A reminder was sent. This too was not answered. Then I wrote wrote WU to ask if the contacts have been made. No response. On XX/XX/XXXX I sent a reminder to WU. To this date, no response. 
I am getting the runaround. If one of these two entities clearly tell me that the money has been lost and neither can do anything more, that would be a resolution - not the one that finds the money but I would at least know where they stood. 

I am attaching a pdf of this last letter to WU which has the chain containing previous communications of mine with both XXXX  and WU.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year>
Consumer complaint received 2023-12-19
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I opened a new credit card and was never sent a bill. I attempted to call and request the bill before the due date, which was never sent to me, I called the day of the Due date and made a payment through the phone, and they intentionally applied the payment the next business day to pay the late fee after confirming if it would be applied the day of. Currently, they are charging me late bill after another and still refusing to send me a bill statement.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.