davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Financial Inc. (PA)

I XXXX XXXX had a with Self inc. that has been closed since XX/XX/2023. XX/XX/2023 I Filed a CFPB complaint online. The complaint was filed because Self Inc. was reporting a debt on a closed account that I didnt owe. The investigation went through and the fraudulent debt that was being reported was corrected and the complaint was closed. But as of today XX/XX/2023 Self inc. still continues to report negative items on my credit report for an account that has been closed for several months.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX can not report correctly my address. In XX/XX/XXXX, I sold the house that my wife and I had lived in for 24 years and moved to a new house in the same town. When I ordered my free annual credit report in XXXX it still showed the old address so I contacted Equifax to correct the error. After realizing It was impossible to get anything resolved on the phone, I sent a letter, dated XX/XX/XXXX and furnished them with copies of our countys tax assessors details on our new XXXX state address and explained our move. I also furnished them a copy of my XXXX County XXXX Property Appraisers detailsI on our XXXX residence and enclosed a picture ( back and front ) of my drivers license for identification. Im sure this is complicated by my having two residences, one in XXXX  State and one in XXXX  ; however, I explained that in the XX/XX/XXXX, letter. The XXXX address is my address from late XXXX to early XXXX. From XXXX until mid XXXX we live in XXXX  State. Equifax issued a new report dated XX/XX/XXXX, however the new report still shows the same incorrect XXXX State address. Equifax shows the correct XXXX address as a previous address. 

Since I began trying to straighten this out I have received three Equifax reports under three different confirmation numbers all showing the incorrect XXXX  state address. On XXXX XXXX, I received an Email notice Your Equifax dispute had been completed. When I put in the information they requested they reply Great! Weve found your file. They then ask 4 question to verify that Its me. None of the questions applied to me. When I answered all the questions they replied : the answers you have provided does not match our records ; therefore we are unable to process your request online. 

Note, the final question asks about a student loan dating from XXXX. Im XXXX years old! Ive never had a student loan.
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-08-30
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a contract to install 320 yards of carpet in a customers home. They gave me a check for XXXX I deposited the check in a branch atm. The receipt stated the check has an error. I called right away. The atm customer service rep stated that I make large deposits all the time and I shouldnt have any issues. Today I brought the contract into the branch where I made the deposit. Now the funds wont be released until XX/XX/18. My customer called XXXX and they already released the funds overnight. The customer, wanted carpet for XXXX. I need your assistance or I wont do business with this bank anymore.
Consumer complaint received 2023-08-30
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX BANK DELAWARE XXXX and XXXX XXXX CARD SER XXXX
Consumer complaint received 2023-12-04
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. (OH)

In accordance with The fair credit reporting act Total number of XXXX DEPT OF ED / XXXX accounts Closed on XX/XX/2020 has violated my rights 15 u.s.c. 1681 section 602 A states I have a right to privacy. 15 u.s.c. 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions. This company was unable to furnish me with my original contract these accounts should not be reporting I have never attended school or signed up for any loans for college these accounts are not my accounts
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MS)

this morning I check my credit report and notice that XXXX has opened an inaccurate account ( SANTANDER CONSUMER USA ) that has been closed since XXXX, has damaged my score, and caused me great harm. I would like for the account to be deleted from my credit report. and Santander Consumer Usa hasn't gave me my disclosures, per 15 usc 6802b.
Consumer complaint received 2023-12-26
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. (NY)

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 name XXXX  XXXX has violated my rights Account number ( XXXX ) account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX XXXX has violated my rights Account number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights Account Number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights 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 2023-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

I have been banking with Chase at XXXX NJ location for 20 years- both checking and savings accounts. I received a call a couple of days ago, XX/XX/2023, from the bank notifying me that my savings account is inactive due to no activity for over 6 months even though I have an electronic monthly transfer from my checking to savings. I was told that it is not considered an activity. To reactivate the account, I have to go into the bank personally to do it. How stupid are these banks these days. I thought we are all moving towards the electronic era, instead we are moving backwards in terms of banking. This becomes a pain having to manually do transactions on the account periodically even though I have another account that is active and have active transactions ( eg ATM, Deposits and withdrawals ) Call up the bank manager and was told this is the New Jersey State law and this regulation has always been in place. If that's the case, I would have gotten notification on the savings account many years back. Is the bank trying to get their customers to personally go in and at the same time try to market their new products?
Consumer complaint received 2023-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (FL)

This account has yet to be validated. I do not, nor have I ever had a contractual agreement with " Westlake Portfolio Management ''. In addition to this issue, there are multiple discrepancies, conflicting and inaccurate information being reported on this " charged off account / collection '', to both my XXXX and XXXX credit reports. This includes the fact that they are reporting an active payment history while there is no contract between us, therefore making it impossible to have a reported payment history.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company is reporting personal information in my credit file and report that is not accurate or complete. Because of this I have not been able to do proper business with other agencies because I can not be properly identified. 

The only name that should be reported is XXXX XXXX. 

My only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

My only phone number is XXXX.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (VA)

The presenting issues are as followes : I am a XXXX XXXX  XXXX, XXXX Veteran that participated in the CHASE program for veterans that participated in the CHASE option for Wartime Veterans " Free CHASE DEPOSIT BOX PROGRAM IN the XXXX XXXX STATE  XXXX XXXX XXXX XXXX BRANCH. 
My Safe Deposit Box ( SDB ) was last accessed on XXXX XXXX. XXXX " does not have any record of my request to close said SDB as said branch. "? Since on said date, I moved to the State of XXXX. I was instructed to open and continue CHASE BANKING IN my new state. If any issues becomes operative in the State of XXXX, XXXX IN SAID STATE WILL COMPLY WITH ANY CONTRATUAL OBLIGATION TO TAKE CARE OF A LONG-TERM VETERAN CUSTOMER OF CHASE. ( NOTE-I AM STILL A ACTIVE CHASE CUSTOMER AS OF TODAY ). 
However, XXXX IS DEDUCTING THE XXXX STATE CHASE SAFE DEPOSIT BOX FEES SINCE XXXX XXXX. During the process that I followed the Internal Operating Rules of terminating said SDB, I provided timely notice of my pending move to Virginia on 2021. Yet, XXXX is complying with its Internal Operating Procedure-IOP.
Consumer complaint received 2023-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I have been experiencing hardship due to the loss of the majority of my income during XXXX. I always pay my mortgage by the last day of each month, and this is communicated with the Agents that have the job of contacting me. Wells Fargo calls me daily, and has even started calling on the XXXX of the month even tho my mortgage has a 15 day grace period. I access a late charge after the XXXX of the month which is also paid. They used to only call in the daytime, but recently has started calling as late as XXXX XXXX. The first phone call that is generated in the month I always advise the Agent of my intent to pay in full before the last day of the month, but they continue to harass me on a daily basis.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

My wife - XXXX XXXX - opened a XXXXXXXX XXXX  credit card account on XX/XX/XXXX and added me ( XXXX XXXX ) as additional card holder. I received the additional card. Amex sent me email that I must provide social security number on XX/XX/XXXX and I provided social secuiry number on XX/XX/XXXX using Amex website and it confirmed back saying card is active and can be used. 

However when I tried to use the card on XX/XX/XXXX, it was declined. I called Amex and after many call transfers finally today was told that my account was closed by them because of prior unpaid balance history with Amex. 

The prior unpaid balance history that Amex referred is for card that was opened with Amex in XXXX. I had filed a XXXX XXXX bankruptcy in XX/XX/XXXX and as part of bankruptcy discharge in XXXX of XXXX  all credit card including this Amex card were discharged. 

Since XXXX, I have rebuilt the credit and all other banks have also issued me unsecured credit cards and currently I have clean credit history with credit score of XXXX plus. 

I am complaining that Amex using their private data history to keep track of credit delinquencies that happened before last bankruptcy date and then using that to defeat the purpose of entire bankruptcy law and decision is unfair and illegal. If all companies do what Amex is doing, then the bankruptcy laws will become meaningless and lose all power. There won't be any clean restart for credit for anyone. 

That is why I want you to get involved and force Amex to stop this practice. They must honor bankruptcy laws and decisions. They can not override bankruptcy laws using their private records for data earlier then last bankruptcy date. 

I would be willing to support any legal proceedings if you get involved in one. I would greatly appreciate your assistance.
Consumer complaint received 2024-07-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (AZ)

Received an email from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ) with a reference number. The claim is that we owe money to XXXX XXXX as of XX/XX/year>. I have called XXXX and confirmed that I closed our account with them with no monies due and account paid in full as of XX/XX/year>. I have the name of the agent and their agent number. Dates of debt are for when we no longer lived at address listed in collection document. I believe this company is a scam company. I have not responded to their email, nor have I called or provided Waypoint Resources Group, LLC any information. The email appears official and their is a website. However, over 30 years in XXXX XXXX XXXX .... anyone can setup a website to look official and still be a scammer.
Consumer complaint received 2023-08-30
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (MD)

On XX/XX/24 at XXXX, I spoke with XXXX and XXXX about closing the account. I was informed that I needed to pay the remaining balance of {$580.00} plus a {$5.00} fee. During the call, I paid this and was given transaction # XXXX. I was then informed that the account had been closed and that I would receive confirmation via email. The email has yet to be received as of XX/XX/24. On the same day as the call, I sent a certified letter requesting that my account be closed, along with a copy of the credit card cut in half. On XX/XX/24, the return receipt indicating that the letter had been received was signed. Since receiving the return receipt, I've received correspondence indicating the account is still open. I paid off this credit card as required, followed the requirements to close the account by phone call or written ( I did both ) and this account has yet to be closed. Even though I've always paid before the due date, there's always been some hiccup from this company resulting in an increased interest rate, falsely assigned late fees, locking access to use the card. Resulting in me closing the card.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2023-08-30
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: Experian Information Solutions Inc. (CA)

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX XXXX # XXXX XXXX XXXX  ( ORIGINAL XXXX XXXX XXXX  ) ACCT # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 Experian XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX FED XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

Attached to this email, you will find documentation supporting my claim, including a detailed account of the fraudulent activity and a copy of the police report I have filed. It is imperative that you promptly investigate this matter and take the necessary steps to remove the fraudulent account from my credit report. 
my email XXXX and my phone number XXXX
Consumer complaint received 2024-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rickart Collection Systems, Inc. (MD)

I am deeply frustrated and disappointed to find that XXXX has fraudulently referred my account to a collection agency. 

Imagine my surprise when I received a letter dated XX/XX/XXXX regarding an overdue final bill, despite the fact that I had moved into my home in XX/XX/XXXX. This was followed by a welcome letter dated XX/XX/XXXX with a new account number, adding to the confusion and causing significant inconvenience. 

It's important to note that I am still living in my home. I did not relocate, yet I am being treated as if I did.