davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

I called Equifax because I login until my account and its not showing me no information no credit Score none of my Credit Cards or no score I asked them why is this happening they told me they couldnt give me that information but before I was able to login and see my score with no problem Its saying Credit Report Blocked for Promotional Purposes whatever this means.
Consumer complaint received 2018-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/XXXX vehicle was Repossessed with out a right to cure letter. XX/XX/XXXX spoke to a representative over the phone advises to pay online witch was a balance of {$1700.00} witch was what was showing ( screen shot was taken ). When looking at bank statement they charged {$2000.00} witch was not aurhorized. When calling back they said they dont know how it happend and dont want to credit back the difference.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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, INQUIRY XXXX XX/XX/2022
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-12
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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/XXXX  to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXXXX XXXXXXXX made on XX/XX/XXXX  in the amount of {$190.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. UPDATE : PLEASE SEE ATTACHED PROOF OF USPS TRACKING INFORMATION SHOWING DELIVERY FOR THIS LETTER
Consumer complaint received 2023-12-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

On XX/XX/, I gave moved out of my apartment after give my notice near in of the lease at XXXX XXXX residences in XXXX Texas. I asked if owed anything and they said no. Less than three weeks later I get a collections for nearly {$3900.00} and they reported to credit bureau the collection on XX/XX/XXXX. After fighting them for nearly year that I didnt owe that amount they finally sighed into their file and saw that {$3900.00} was incorrect. I only owed {$300.00} which a bill was never sent to me before going to collections. I paid it when they corrected there information. but its still reporting on my credit record and I think this deceptive practice and violates housing regulations. I hoping the consumer protection will look into this and get it off of my credit report
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

There is items on my credit that do not belong to me. it is a lease that is XXXX it is another one that is XXXX there is another one that is XXXX i contacted the credit bureaus to get them to investigate the items they refused and told me to do my own investigation.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

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. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C.1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC. Just try.
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Loqbox US Inc (NY)

Wanted to build credit and looked into Loqbox for a secured credit builder loan. Filled out all information online but after submitting application changed my mind and did not send any money to the company or have any money debited from an account to secure and start the loan. Have disputed multiple times with all 3 credit bureaus regarding account was never opened as Loqbox continues to mark my account with 30 and 60 day late payments and acct closed after. There are different date if last activity on all 3 credit reports, one open status, 1 closed, and 1 paid. Payment hx are all different as well with payment is current... .This account should not be on my reports as it was never opened. I never physically signed with my signature permission to activate the secured loan. Says original balance is {$600.00}. How can I have a balance without securing the loan with my money? The late payment remarks are hurting my credit terrible for a loan I never had.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On Thursday, XX/XX/2023, in the early XXXX, I initiated the transfer of {$9100.00} from my Chase Checking Account to my XXXX XXXX. Chase did not transfer the funds until XX/XX/2023 and made the funds available for use on XX/XX/2023 to this bank. They changed the date the request was submitted toXX/XX/2023 when in fact it was initiated on XX/XX/2023 delaying the requested funds more than 5 days.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I have a loan with Citizens Bank. On XX/XX/XXXX, my debit card that was on file to make monthly automatic payments was canceled due to suspicious activity. As a result, I was issued a temporary debit card and a permanent debit card from my bank within a one month span. Because my automatic payments could not be made with my initial debit card, I received an email from Citizens Bank notifying me to update my payment information. I immediately updated my card information with the temporary card in XXXX and the permanent card in XXXX. Citizens Bank did not immediately charge my card ( XXXX ) the day I updated my payment information. As a result, there were two missed payments that appeared on my credit report and my excellent credit score dropped by XXXX points. I would like to report that Citizens Bank intentionally did not take out the amounts I owed in XX/XX/XXXX and XX/XX/XXXX and as a result, my credit score has plummeted. I spoke with a customer service manager by the name of XXXX on XX/XX/XXXX and she refused to remove this from my credit report despite me making payments and explaining the circumstances.
Consumer complaint received 2023-12-12
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. (CT)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.Further investigation is required to verify the following claims. These claims remain unverified until further inquiry can confirm them. More research is needed to support these unsubstantiated assertions. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I paid my student loans off entirely in XX/XX/XXXXXXXX  through XXXX XXXX As part of Biden 's Student Loan Forgiveness Plan, I was reimbursed {$12000.00} from the Department of Education Biden 's initiative was rolled back and Aidvantage began to ask for {$12000.00}, stating interest would start to accrue on XX/XX/XXXXXXXX  I paid Aidvantage {$12000.00} on XX/XX/XXXXXXXX  and received a payment confirmation. At this point, my student loan balance was set to {$0.00} Unbeknownst to me, the payment was reversed and now Aidvantage is now stating that I owe the {$12000.00} balance with an additional {$140.00} in interest for a total of {$12000.00}. Due to the payment reversal, Aidvantage also is marking that I have two missed payments. 

Customer Service did not provide me with a reason for the payment reversal but they did state that they could file a formal complaint on my behalf
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States | have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-12-12
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: WELLS FARGO & COMPANY (CA)

In XX/XX/, I made an initial deposit of {$490.00} via credit card for a product. According to the email correspondence from the business, the total charge was not to exceed {$800.00} plus tax. However, in XXXX XXXX  when I inquired about the estimated time of arrival ( ETA ) of the product or requested a refund due to non-delivery, there was an unauthorized attempt to charge an additional {$800.00} to my credit card. This attempt was automatically declined by my credit card provider. 

This unauthorized charge attempt brought the subtotal to {$1200.00}, which was not in accordance with the agreed terms stated in the business 's email. Despite opening a dispute with Wells Fargo about this issue, there has been a lack of support and negligence on their part in resolving this matter. I am seeking assistance to address this issue and ensure proper handling of the dispute in line with the original agreement and terms.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-12
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: TRUIST FINANCIAL CORPORATION (CA)

All three credit bureaus had regional acceptance bank I financed with them they have my car repossessed then they gave it back to me. I paid on it. I only missed XXXX payments total on that car and theyre cleaning. Im missing almost XXXX  years of payments theyre full of baloney why did they take my car to begin with and then give it back to me theyre full of XXXX they dont even know what my account number is they give me different account numbers all the time theyre up to no good and theyre scammers this is a scammer and Im not gon na have it on my credit report. Im gon na sue all three credit bureaus and Im gon na sue you guys.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NC)

Aldous & Associates , PLLC XXXX XXXX XXXX System XXXX XXXX XXXX XXXX, Suite XXXX, Washington XXXX District of Columbia, XXXX To : The Office of Registered Agent for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Aldous & Associates , PLLC, Inc. has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX