davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: OPTUM BANK, INC. (AL)

I wrote a check to my doctor 's office against my XXXX account, which had sufficient funds. My doctor 's office informed me that the check was returned unpaid, and assessed a {$35.00} returned check fee. I reached out to XXXX XXXX  twice, asking them to reimburse me for the fee, which was caused by them. They advised that they stopped honoring checks against XXXX accounts, but they never gave me notice of this. They have refused to make me whole despite failing to honor my check. I have attached messages with them making two attempts to resolve this, but they made no meaningful effort to make it right.
Consumer complaint received 2023-12-28
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)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

This information and derogatory remarks has already been removed from my XXXX XXXX credit report, yet it still remains on my XXXX and XXXX. I demand that these be removed immediately because this reporting is incorrect. 

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 U.S.C 1681.

Account # XXXX Portfolio Recovery services opened XXXX- {$730.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions.

15 USC 1681 c. ( 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 USC 16818-s-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 accurate.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

I received a text and emails saying that my account was opened yet I never applied for an account. I contacted the company and they verified that an account was opened and it required my full name, address, date of birth, Social Security number, phone number and email. 
They said they had closed the account after I notified them. I have read that this is a common occurrence with Chime. I am concerned that they are fraudulently opening accounts without peoples knowledge.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2024-03-27
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. (WI)

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. 


I told Experian to look at these accounts : Account name : XXXX XXXX Account number : XXXX, Account name : XXXX, Account number : XXXX. 
Account name : XXXX XXXX Account number : XXXX XXXX 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.
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)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (MD)

The young lady I talked to said that I already have an account with them but I never opened one and they said the person is using my social security number all of my information Bank information everything but my name the account is under a different name and she wouldn't give me the name of the person that's on the account and it was open XX/XX/2023 and it was not me the young lady wanted me to send a picture of my ID the front and back but I wasn't comfortable with that since she said that somebody's using my name can you please check this out for me.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance to the fair at 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: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (IL)

I noticed an erroneous amount balance showing up on my XXXX Credit Report, so I filed a dispute immediately concerning a previous Loan with Affirm. 

All payments were made on time each month and this amount should not have been showing as outstanding. Affirm did not work in good faith with XXXX to resolve the dispute in a timely manner.
Consumer complaint received 2023-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Due to identity theft, I have asked for validation of the alleged debt you claim I owe. However, your provided statements and signatures lack proof of ownership, infringing on my consumer rights as defined by the Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 ( g ) " Failure to validate this alleged debt. '' I am withholding payment until proper validation is furnished. Kindly suspend all collection activities until valid debt validation is presented, in accordance with 15 USC 1692cI.

Should valid validation not be received within 30 days, I will deem the debt invalid, necessitating the account 's deletion and cessation of collection efforts. Moreover, your authority to collect on this debt, given its identity theft origins, is questionable.
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: Exeter Finance, LLC. (GA)

I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. 

The 3 most recent occurred on XX/XX/23 from XXXX XXXX, XXXX XXXX and Exeter finance on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them.

I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation
Consumer complaint received 2023-08-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (VA)

I already submitted my original complaint, Nelnet actually sent me my copy b 1099 C which means my student loan debt has been paid. They claimed I falsified documents but this document Im attaching clearly says its from Nelnet Inc and they accepted my tender of payment.
Consumer complaint received 2023-08-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (GA)

XXXX  I was given the attached response from Nelnet , Inc. that stated my student loan account was not discharged and that the digital 1099-C form I submitted to them was fraudulent. However, in the afternoon of XX/XX/, I received an official Copy B of the 1099-C form from Nelnet, Inc. 's business address stating that my student loan account had been officially discharged. Please see the attachments of the envelope and 1099-C form that was sent from Nelnet , Inc .
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I have successfully disputed numerous accounts from the exact same companies on XXXX  and XXXX, however when I try to do the same on experience, its seems unless I buy a product from them there is an adverse response to my disputed items. This has resulted in over a XXXX point difference in my credit scores and has hampered my efforts to buy a home
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (ME)

I received an offer to settle in the mail and I paid it. The company that is reporting on my credit will not respond to calls and I can not remove this via a dispute multiple times. I have the letter I was sent and a confirmation of payment. I paid the amount requested the day I received the letter which I believe was XX/XX/25 the letter said I had until XXXX to accept one of the 3 arrangements. I paid it now I can't get it updated or removed
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

I have four Chase accounts ( XXXX XXXX and XXXX checking ) which I have had for years. Yesterday as provided and recommended on the Chase website, I attempted to pay money to a very close friend ( who is a licensed therapist in CA for years ) a sum of {$200.00} through XXXX. 

XXXX times the payment was rejected for suspicious activity AND All of my Chase accounts were frozen. I called two times to Chase support and they statted they had " unblocked '' the accounts. The accounts remained blocked however. I also explained that my recipient was a close friend of many years ( we attended graduate school together ). 

Finally, a rthird call resulted in unblocking the accounts. I told Chase they definitely advertize XXXX transactions, but paradoxically put up barriers to complete the transactions. This is almost false advertizing and a burden on myself who had much business to transact on my Chase accounts, but could not as there were frozen for hours. 

Additionally, the first two Chase phone reps had strong accents and talked very rapidly, making it hard to understand their input. 

Algorithms are useful for scams and fraud, but Chase seems to employ highly restrictive and burdensome barriers such to honest banking members ( of years ) such as myself. 

I want consumers to be protected and relieved of such burdens, especially from a bank that I would assume has very high profits. I want whatever precipitated this fiasco to be re-evaluated by Chase and amended to prevent such situations. 

Thank you, XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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 looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts Name of Account & Account Number Are not complete and accurate. 
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 ] Are not complete and accurate. 

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 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information which you should already have a record of. 

I have never done business with your company at all. 

I have attached a copy of the 3rd time of my identity theft affidavit. I refuse to give you a copy of my driver 's license because the person who committed identity theft also had that information as well apparently. I'm not going to send a company that I never did business with my personal information. And I do not have an account to login to with Affirm to submit an dispute because I never had an account with you. Remove this account immediately from my credit profile or there will be consequences.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (IL)

The amount of the down payment I gave was {$2000.00} I asked for my money back the car do not drive for my young daughter endanger her cut off in the middle of the streets. No XXXX was giving on this car I had to buy it from XXXX and I was told from XXXX XXXX XXXX  it's a good reliable driving car all tire light pop on gotten that fixed at XXXX XXXX car windows don't roll down wind shield wiper fluid Don't come out the hose to wash the windows. Check engines light comes on odeth claim he brought car parts they fixed it wasn't nothing fixed the light came back on the car he say was under warranty that's a lie I had to get my insurance company to tow the car back to the company. The car is a total loss. On my XXXX report I ordered it was in accidents not a drivable car. You did farud you are a scammer
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MS)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2022-11-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Statebridge Company (VA)

I took a loan out against my house back in XXXX with XXXX ; they closed and reopened under XXXX XXXX XXXX. They turned it over to XXXX. I filed for bankruptcy in XXXX. StateBridge turned it over to XXXX XXXX XXXX, XXXX an XXXX XXXX XXXX. I spoke to several people at different times at this office. One individual stated that I did not have to pay this loan back because I had filed for XXXX in XXXX. The paperwork was signed in XXXX of XXXX I did not receive it in the mail until XXXX or XXXX. The attorney filed for foreclosure against my house in XX/XX/XXXX. I requested information for a payoff ( the least amount that they would take ). Someone gave me an e-mail address and when I e-mailed them ; it came up blocked. To request a payoff to resolve this issue. Then it was stated to me that they sold it back to StateBridge. At the time I was not working after I started back to work. I got a money order to send them in the amount of {$100.00} but someone from StateBridge stated to me that they were not taking any payment. I spoke to someone at XXXX XXXX XXXX and they were not taking this type of case near where I live. I applied for assistance with VA Mortgage XXXX XXXX which is currently under review.
Consumer complaint received 2024-03-27
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. (NC)

please all the fraudulent account and unathorized inquiries listed below XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>