davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MO)

Order # XXXX FedEx # XXXX I placed an order on the XXXX  website XX/XX/XXXX. The expected delivery after shipment was XX/XX/XXXX. I placed the order using Afterpay who paid XXXX  in full then charges me weekly installments. As of XX/XX/XXXX the package was, and remains, in XXXX. XXXX doesnt know where it is. Afterpay is still charging me. I stopped the payments which affect my future purchase power. Afterpay stated XXXX  needs to refund and inform. I called XXXX  XXXX, XXXX, XXXX and XX/XX/XXXX and was told the refund was sent I called XX/XX/XXXX and was told by XXXX  they cant do anything. This is messing up my " purchase power '' with AfterPay and messing with my credit because I am not paying for what I did not receive and altho both afterpay and XXXX know I do not have it, they keep trying to take payments from me.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (NV)

This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 

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 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on! 
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XXXX and XXXX CONVERGENT OUTSOURCING : # XXXX has violated my rights. 


This collection agency has no respect for the laws. Someone needs to hold them accountable for this.
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (TX)

Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX  and XXXX XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  account to KeyBank at the instructions of the scammers. 

Given that their client, owner of XXXX number XXXX, was an active participant in the movement of my money, which eventually ended up with the Company, KeyBank have not exercised their duties to identify this suspicions scheme in a timely manner.
Consumer complaint received 2023-10-31
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. (IL)

Account to be removed from your credit report In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX, Account XXXX XXXX, 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 customer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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 15 U.S.C 1692B 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have called and mailed Equifax multiple times and also have been discussing with XXXXXXXX XXXX  my mortgage account # XXXX. Equifax accidentally removed my mortgage from their reporting almost a year ago. My bank XXXXXXXX XXXX  has also been sending Equifax the data to report but they are failing to do so. I've called recently and they requested i send my contact information to approve the reinsertion of XXXX XXXX Mortgage account # XXXX. I have provided ( Attached ) a credit report from Equifax showing they where reporting my mortgage before account # XXXX. Also ( Attached ) I have the letter XXXX has sent Equifax time and time again. Furthermore, I have attached my recent XXXX and XXXX XXXX showing this account in good standing. I need Equifax to insert this loan and history into my credit file and be fair to me in their reporting. Equifax has recorded calls of me calling about this and we have a XXXX XXXX over XXXX year requesting this to happen. Our next step if Equifax doesn't comply is to exercise our rights under FRCA guidelines.
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the XXXX XXXX.
Consumer complaint received 2023-04-28
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$2300.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX.
Consumer complaint received 2024-04-22
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. (PA)

Hello, I am writing to have the following information in my file deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-01-02
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. (GA)

There is a collection on my Experian file from XXXX XXXX XXXX ( account number listed XXXX ) for an XXXX XXXX XXXX collection for {$100.00}. I disputed this with Experian and it remained on my file. 

I contacted XXXX XXXX XXXX and they have no record of this collection for me. 

This is a violation of my federal rights under the Fair Credit Reporting Act. If the company has no record of a collection, how could Experian have left this on my file after it was disputed?
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/06 I woke up to a text message saying my account with Citizens Bank was overdrawn. I looked at my bank app and there were two transactions that I didnt recognize from XXXX. The first one was for {$490.00}. The second one was for {$1500.00}. I hadnt received a text or email about suspicious activity or anything. They just allowed it to happen. I immediately called the bank after I saw these charges. I was told it would be 10 business days for the provisional credit to hit my account. I wasnt happy with that being that it didnt take 10 business days for my money to be taken. I was told that they would expedite the claim and the credit would be in my account in 1-2 business days which it never happened. I called everyday since the 6th and nothing. They dont care because its not their money. Today I was told that they denied the request to expedite the claim due to the nature of the claim. Im fed up and I just want my money back.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. (CA)

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involve

d Bureaus. I have not received any responses yet
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute unauthorized entries on my credit report that I believe are the result of identity theft. I have not authorized or opened the accounts listed below, and I request their immediate removal to ensure the accuracy of my credit information. 
Please find the specific items that need to be addressed : XXXX XXXX XXXX XXXX XXXX  {$880.00} XXXX XXXX XXXX XXXX XXXX  {$4600.00} [ ] I have reported this identity theft to the Federal Trade Commission ( FTC ) and am including copies of the FTC Identity Theft Affidavit along with this letter as evidence supporting my claim. Based on this documentation and the rights afforded to me under the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent entries be deleted from my credit report as promptly as possible. 
Thank you for your attention to this matter. I look forward to your swift response to confirm the removal of these items. 


Thank you for your assistance. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-13
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. (DE)

Currently trying to purchase a home and noticed errors on credit report. Tried to resolve issue with credit reporting agency and they stated debt was valid, however i never received anything in writing confirming information.
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (FL)

Dear FCPB, I am writing to file a formal complaint against Wells Fargo regarding their handling of my mortgage escrow account, which has caused me significant concern and if not resolved may also cause financial distress. My property tax recently increased from {$17000.00} to {$18000.00} annually, resulting in an additional financial burden of {$710.00} per year, equivalent to {$58.00} per month, note that my homeowner 's insurance premiums have remained about the same from last year. 

The issue I wish to bring to your attention arises from Wells Fargo 's notification that they intend to increase my escrow payments by an astonishing {$5300.00}, equivalent to XXXX per month which is about 740 % higher than the actual increase noted on the prior paragraph. In the attached analysis provided by Wells Fargo, they justify this increase by stating they need to add a two-month cushion of escrow, totaling {$3200.00}. 

However, my concern primarily stems from the explanation given to me by a Wells Fargo customer service representative named XXXX during a call I made on XX/XX/2023 at XXXX XXXX EST. XXXX asserted that the two-month cushion of escrow is mandated by New Jersey law XXXX implying that it is the minimum requirement for the state. Subsequently, I conducted extensive research to verify this claim, and I found no evidence to support Wells Fargo 's assertion that New Jersey law necessitates a minimum two-month escrow cushion. 

Moreover, it is important to note that New Jersey does not require lenders to pay interest on mortgage escrow accounts. In light of this fact and the current high-interest environment, Wells Fargo 's practice of requiring an excessive two-month escrow cushion not only misleads the customer but also appears to be an abusive and unfair practice that places an unjust financial burden on me as a homeowner, while they will be earning interest in the extra escrow reserve without paying a XXXX to the customer. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to ensure that Wells Fargo is in compliance with all relevant laws and regulations. I believe that their actions are not only misleading but may also constitute an unfair and deceptive business practice. I also request that you take the necessary steps to rectify this situation and ensure that I am not unfairly burdened with an excessive escrow requirement. 

Enclosed with this letter, you will find copies of all relevant documentation, including the Wells Fargo escrow analysis. I hope that your intervention will lead to a resolution that is both fair and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to your response. 

Sincerely,
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I had several illnesses and I ended up in the hospital after XXXX twice. During such times I was not home and information was issued without my authorization such as credit cards and other items. This particular credit card is one of them, a XXXX amount XXXX I have tried in multiple occasions inform Rusergent or LVNV Funding to please understand of the identity theft situation but they have ignored my request.
Consumer complaint received 2023-06-07
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. (NJ)

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-04-22
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)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2023-08-31
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. (AZ)

I made Experian aware of the continued abuse of the corporations unlawful use and abuse of power and position through deprivation of rights through color of law. Attached are forms and files that exonerate my previous and current disputes with these fraudulent thieves disguised as a legitimate business, At this exact moment in time experian has been violating my federally protected rights. To further the continued insult to my financial well being experian has continued to violate my Copyright & Trademark that I, the Attorney in Fact of the XXXX XXXX person. I have legal, equitable and beneficial interests and complete control of all legal, financial and reputable interest for this " Person '' also known as XXXX XXXX legal fiction character. 
Experian has until this evening to remove 2 bankruptcies that they have listed on credit account that legally can not be tied, connected associated through either assumption or presumption. 
Experian is under Legal Notice and Demand to respond accordingly to the written and expressed instructions of I, the Attorney in Fact. Immediately. Oh, and to mention incorrect information being reported that is immediately noticed when reviewing information from all three of the reporting companies.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

I applied for a credit card from Goldman Sachs. I was denied because " I may already have an account or profile ''. 

The Marcus.com website will not allow me to reset my username/password, nor will it allow me to login to apply. 

I am being denied from applying for credit which is a federal violation of 15 USC.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

Had chase card for many years. Then I had an enormous amount of unknown, unauthorized charges. They pretended to help me. took a few off but didn't really affect the large amount of fraud they were allowing. I asked for the card to be cut off. I paid it off and did not activate the new card. They sent me a new card. However they continued to allow charges to the old card, no matter how much I complained. So I stopped paying.