davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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. (TX)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/ XX/XX/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 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : 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 2024-07-18
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: Experian Information Solutions Inc. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I communicated with the company of issues of making payment of mortgage also placed the mortgage under forbearance to stop and unauthorized reporting on my credit. 
I also paid my mortgage up to date once paid i became aware of late payments being applied I requested removal of these inconveniences but to no avail.
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my wife used the XXXX app to look up people who needed dog sitting services. She found someone looking for a dog sitter for $ XXXX. Since I don't have the XXXX app, she gave me the person 's number and I reached out to them. The person said they were moving to our area in a couple weeks for work and would need me to watch their dog XXXX days a week. Their company would cover the dog sitting fee. I agreed. The person said that they would also need me to pick up pet supplies in bulk prior to their arrival. They said they would include the total cost in the first check. On XX/XX/year>, I received a check in the mail for {$3700.00} to account for the pet supplies, XXXX XXXXXXXX fee, and a {$100.00} shopping convenience fee. I deposited the check on the same day. Once the balance showed up in my checking account, the person texted me saying that they found another purchaser that can get the supplies at a discount and asked me to wire the funds to this person, minus the {$250.00} weekly fee, {$100.00} shopping fee, and {$210.00} for a pet vacuum that they still wanted me to get. I did not buy any of the items they requested. Using the Chase app on XX/XX/year>, I wired {$3200.00} to the contact that they gave me. On XX/XX/year>, they asked me to send {$500.00} more since they wanted to buy more items. I immediately became suspicious because they were now asking me to use XXXX and they gave me a different contact name. On XX/XX/year>, I reported the incident at my local Chase branch but they said they could probably not recover my funds lost. I am worried that when the check inevitably bounces that I will lose my account. I am also worried that I can not recover the funds that I wired.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

Resurgence Capitol take the old debts and tries to collect on debts greater than XXXX years old.They did this with XXXX XXXX and XXXX. They need to stop as they clump all the debts together and unknowingly you create a payment plan so they don't pursue legal action The last debt was from XX/XX/year> which is way beyond the statue of limitations
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I made a payment back in XXXX for the full balance of the card, and never received a notice of any other payment. XXXX XXXX XXXX XXXX $ fee, and I was never notified until I saw the account was delinquent because Im in the middle of purchasing a home. This delinquent hit is negatively affecting my score, and I would like this updated.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I have never been late on a credit card and am having a tough time getting the late pay reporting removed from my report from the reporting company. It is effecting my score and my ability to get into the best rates. Please help me in resolving the matter.
Consumer complaint received 2023-08-03
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United PanAm Financial Corp. (AZ)

I received another call from United Auto Credit XX/XX/2023 at XXXX XXXX. The called was missed as pictured in the screenshot. I called back at XXXX XXXX  very upset and disgusted because this is to many times to be calling in one day. At approximately XXXX XXXX  a young lady answered and said thanks for calling United Auto Credit how can I help you. Stated my name and she asked me for verification questions to validate my account. I told her that I was very upset because I have been contacted multiple times in one day by United Auto Credit. She specifically stated that there is a do not call order on my account and she said we aren't supposed to be calling you but they still are calling multiple times a day and it's frustrating. It is stressing my out. I am on XXXX  and don't need anymore stress. She said that I will not receive anymore calla but I don't believe it.
Consumer complaint received 2024-05-27
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. (FL)

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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NV)

Navient reporting {$25000.00} is false. Staying that there isa breech of contract, transferring funds that was not received. On XXXX, XXXX. I've contacted the company every year. To prove the enrollment was cancelled and discharge and that was corrected. I still see the problem on my credit report. I never received the loan the agreement was cancelled immediately. I did not agree with the total amount for enrollment.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP (VA)

Subject : Dispute with Fidelity over Unauthorized Charge and Provisional Credit Today, XX/XX/year>, I contacted Fidelity for the third time regarding an unresolved dispute over a recent purchase. 

I attempted to purchase storage shelves from a company called XXXX. However, the company failed to deliver the items, and XXXX  tracking details indicated that the items were being sent back to the sender. The tracking numbers clearly show the images of what was purchased and the tracking numbers for each item show " failed delivery '' as well as information that the items were signed for and delivered to an address in XXXX, NJ, while I reside at XXXX XXXX XXXX, XXXX, Virginia. This is where the items were to be sent. 

After I realized that they reversed the provisional credit, I received a letter stating that unless I provide details of the items, the credit would not be reinstated. I complied with this request and submitted detailed tracking information from XXXX by their deadline of XX/XX/year>, clearly showing that the items were not delivered to my address. 

Despite providing clear documentation, Fidelity is still requesting additional ( the same information I already gave them ) even though the proof I submitted is evident and verifiable. Fidelity has the ability to verify the tracking information directly through the XXXX website using the provided tracking numbers. 

I am seeking your assistance to take action against Fidelity to resolve this issue. Specifically, I request that the approximate {$1300.00} charge be credited back to my account. This unresolved dispute has caused me significant inconvenience, and I had to purchase the storage shelves from XXXX XXXX, incurring additional costs. 

My account number with Fidelity ends in XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your assistance.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Larry H. Miller Group of Companies (GA)

After carefully reviewing my credit report, I noticed three hard inquiries I did not authorize. Under the FCRA Section 604, a credit inquiry can only be made with the consumer 's explicit consent. I did not provide such consent for the following inquiries : PRESTIGE FINANCIAL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These unauthorized inquiries are negatively impacting my credit score and are a violation of my consumer rights. I would like to ask that these inquiries be removed from my credit report immediately. 

Please consider this letter as a formal notice that you have 10 days from receipt of this letter to remove these unauthorized inquiries. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to resolve this matter, including filing a formal complaint with the FTC and possibly pursuing legal action.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (FL)

This is my 2nd attempt to have the company remove the PMI from my loan payment. On their website, it reflects that my loan-to-value is at XXXX  %, way below the guidelines, but they are saying that they are determining that the current loan-to-value is at XXXX  %. I don't understand where they are getting their information from. I have asked to speak to the PMI department, and they claim they don't have such department. So who is making those decisions? Help, please. I am just a number for them. 
They find different reasons not to remove it.
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Crown Asset Management, LLC, Duluth, GA Branch (MD)

In XXXX I was told XXXX was selling my remaining debt to Crown Asset Management as I missed payments. However, I have tried to contact Crown via email, contact form, multiple calls and a voicemail ( can show proof of this ). They will not respond and never answer the phone. I am ready to pay off my debt in XXXX. This is going to keep hurting my credit due to lack of response from THEM.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (OH)

Uplift/XXXX XXXXXXXX reported my account late in XX/XX/XXXX. I wrote them several letters and disputed this and they still will not remove it. I have several accounts with them and have always paid on time within 30 days. The following loan ID 's are being reported as late for XX/XX/XXXX : Loan ID XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (FL)

Dear XXXX XXXX XXXX XXXX XXXX, I respectfully disagree with the conclusions of your investigation. There are several points I would like to address : 1. **Account Statements** : While you have provided a copy of the last credit statement, I am requesting a fully itemized receipt of all charges, interest, fees, and payments made on the account. This level of detail is necessary for me to verify the accuracy of the balance you claim is owed. 

2. **Discrepancy in Account Dates** : There seems to be a discrepancy regarding the dates associated with this account. In your response, you mentioned that the account was opened on XX/XX/XXXX, and that the last payment was made on XX/XX/XXXX. However, you also stated that the account was purchased on XX/XX/XXXX. This timeline is confusing, particularly as you suggest that the account went delinquent in XX/XX/XXXX but was not charged off until XX/XX/XXXX. Clarification and additional documentation on these dates are needed. 

3. **Validation of Debt** : According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a thorough validation of the debt. This includes all relevant details, such as a breakdown of the interest accrued, any fees applied, and the specific transactions that led to the current balance. The information provided thus far does not satisfy this requirement. 

Please provide the requested detailed itemization of all charges, interest, fees, and payments, as well as a clear explanation and documentation of the timeline of the account, including the date it was allegedly opened, when it became delinquent, and when it was charged off and transferred to your company. 

I am looking forward to a prompt resolution of these issues. If you need further information from my end, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-27
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. (MA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-25
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. (TX)

I, XXXX XXXX, filed a FTC report due to unauthorized inquiries on my credit report. You are in violation of the FCRA for failure to remove inaccurate information from a consumer 's credit report. Furthermore, this is also negligence, and I would be able to argue this in court. I am again demanding that the following information be removed from my credit report within 30 days. Please see the attached FTC report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I hope this letter finds you well. I am writing to address a matter that has come to my attention regarding multiple 30 days late payments that have been reported for my account. 

Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight.

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (OH)

The account was discharged and closed well over five years but it is still being reported on my credit report.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication 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, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

I tried opening an checking account in XXXX, XXXX and XXXX and all three banks denied me. 

I have no debt. Yes I have XXXX accounts in collection but they have nothing to do with any bank accounts and they total less than XXXX dollars other than that I have no debt and I have a full time job. 

Its very upsetting being denied and being told that its due to delinquency when I literally have no debt. 

I need a bank account