davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor.

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Good day, I sent the documents to LexisNexis on how they are reporting information dealing with XXXX bankruptcies. The information on the reports is not accurate by far. And I have asked them to delete them according to the FCRA. I sent them multiple documents from the court and the XXXX system pointing out these errors. I sent it by certified mail well over a month ago with no response. Thus violating my rights to have clear and accurate reporting on my credit file.
Consumer complaint received 2023-07-17
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: BARCLAYS BANK DELAWARE (NC)

XXXX continues to report inaccurate information on my credit report that is harmful without providing legal proof of the debt. I have disputed 2 credit cards multiple times on my report that I am not legally responsible for. I have asked XXXX repeatedly for the documentation they received to confirm these accounts are mine. I have also asked both the companies and XXXX to provided me with a copy of the legal contract for each credit card and neither have done so. These accounts should be removed immediately as they are harmful and the companies can not provide a legal binding contract that I signed confirming the accounts are mine. The accounts are : XXXX XXXX Barclays
Consumer complaint received 2024-04-12
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)

On XX/XX/2024 XXXX shared my nonpublic consumer information to XXXX, Equifax, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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: CBC Companies, Inc. (NJ)

Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Dear sir, I have received a letter regarding my fraud alert status. Since other credit report companies have started extended alert, I want to request your company to extend my fraud alert to 7 years. However, your company do not state what kind of documents are necessary for the extended alert. Would you tell me what I need to submit? 

And I request the credit report, too, to check the contents and dispute whatever necessary, as I did other companies. 

Also, I do not want you call me, Dear XXXX, as you stated on the cover page, since I am just a person, who requested the credit report, not Initial Fraud Alert, as far as I remember ; therefore, I request the written explanation why you have added this initial fraud alert without any consent of me. And you need to mention me by the family name. 

Sincerely,
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

They have a my name on report as XXXX XXXX and XXXX XXXX XXXX . My name should only be listed as XXXX XXXX. They also have 2 addresses on there that I have no knowledge of XXXX XXXX XXXX XXXX, Mi XXXX, XXXX XXXX XXXX XXXX, Michigan XXXX. They also have a bankruptcy on my report that I have no knowledge of and I reached out the courts and XXXX XXXX and they cant verify where theyre getting this information from. Ive disputed this information several times but the credit bureaus keep coming back stating that they verified the information but has sent me no proof. I have a letter from the court stating that they have no information also. One last thing, I havent stayed in XXXX in over 25 years so I dont know where these addresses came from I also had to file a police report before for identity theft after my divorce.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Recovery Services, Inc. (AZ)

Re ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX XXXXXXXX XXXX thru XXXX XXXX  Acct : ending in XXXX for {$3400.00} Financial Recovery File Number : XXXX Debt to XXXXXXXX XXXX XXXX on XXXX. 
XXXX - debt collection call from XXXX XXXX at XXXXXXXX XXXX 
XXXX - Response by Executor, XXXX XXXX, to XXXX XXXX uncured debt dismissed. 
under XXXX XXXX, Sec XXXX, of XXXX XXXX. 
XXXX - Financial Recovery Services assumes debt collection after discharge. 
Monthly collection statements continue from XXXX to date. 
XXXX XXXX diagnosed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Monthly collection statements continue from XXXX to date. 
XXXX XXXX passes away from XXXX XXXX. 
XXXX I received a collection call from XXXX. 
Monthly collection statements continue from XXXX to date. 
Cease and Desist Order sent by me as Executor of the XXXX.
Consumer complaint received 2023-07-17
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: AMERICAN EXPRESS COMPANY (NC)

XXXX continues to report inaccurate information on my credit report that is harmful without providing legal proof of the debt. I have disputed XXXX credit cards multiple times on my report that I am not legally responsible for. I have asked XXXX repeatedly for the documentation they received to confirm these accounts are mine. I have also asked both the companies and XXXX to provided me with a copy of the legal contract for each credit card and neither have done so. These accounts should be removed immediately as they are harmful and the companies can not provide a legal binding contract that I signed confirming the accounts are mine. The accounts are : American Express XXXX
Consumer complaint received 2023-12-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (MD)

River Valley Loans has predatory and unlawful practices. I took out a loan for {$1400.00} on XX/XX/23 and have well exceed paying off that amount, but continue to make payments of {$370.00} biweekly due to the outrageous 745 % interest rate. What I was not aware of was the 33 % annual interest rate limit in Maryland. I contacted the company to see if we could if we could work out a resolution, and they are refusing stating they do not have to abide by these laws because they are a " tribal loan. ''
Consumer complaint received 2023-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (CA)

The company Allianceone Receivables in XXXX XXXX Ca intercept funds from my tax return XX/XX/XXXX illegally from an account they said it existed since XX/XX/XXXX. The amount intercepted was {$590.00} to which they provided absolutely no information but a bogus account number from the Superior Court of California which it does not exist. The supposed account number is # XX/XX/XXXX. I called Allianceone and they were been very rude and requested me to provide them with any type of receipt that the account had been paid which i do not have. They failed to provide any information other than that. I called the Franchise Tax Board of California and they could not provide any information regarding any intercepts. I am calling the Office of the City Attorney today to submit a claim against this company due to wrongful debt collection. this company is committing fraud an no one is doing absolutely nothing about it.
Consumer complaint received 2023-07-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PayActiv, Inc. (TX)

As stated in my employer benefits guide, they offer employees the ability to access their earned wages instantly instead of waiting for payday. You're allowed XXXX XXXX of your wages up to {$600.00} if you receive direct deposit to your payactiv account. In the past, I've accessed more than XXXX XXXX but now the company is stating my limit is only XXXX XXXX and this is the 2nd time they have escalated this same issue to another department to fix, but they refuse to fix it prior to the start of the new pay period which means when and if it's fixed, I can not access the wages since they'll be for last pay period. The Customer service agents can't do anything helpful and they are clueless and responses by email are encouraged but take hours between responses. I contacted them to provide the statement from my employer benefits showing my limit should be XXXX at XXXX, and it is now XXXX when someone finally responded saying the time to fix issues is XXXX to XXXX hours. This company has no transparency or helpful staff to solve issues. They lure consumers in then make it impossible to use their service.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

A check I mailed to a client was stolen and fraudulently cashed. The check was written on XX/XX/2023 and cashed on XX/XX/2023. Check number XXXX for XXXX Made out to XXXX XXXX I filed a claim with Chase bank and after working though the contradicting instructions from their representatives the claim was submitted in XXXX. 

Check number XXXX for XXXX} was written and cashed on the same dates to the same recipient. 

Several months ago I received the money back for check XXXXXXXX. 

Chase bank keeps telling me that XXXX XXXX XXXX investigation is pending but refuses to share with me the details that XXXXXXXX XXXX sent in their update because " customers cant speak to that department ''. 

I received a call from the check casher 's ( XXXX XXXX XXXX XXXX ) Collection department ( XXXX ) Who was calling to collect the funds on the check  ( meaning that they never received the funds from XXXX XXXX XXXX The collection department also informed me that the check was cashed by a " XXXX XXXX ''. 

It is pretty easy to see that XXXXXXXX XXXX still has the funds, chase bank has been completely incompetent from start to finish and XXXX XXXX XXXX XXXX cashed a check fraudulently signed for by XXXX XXXX that was addressed to XXXX XXXX. 

I haven't been able to get any update the last 6 months other than " XXXXXXXX XXXX XXXXs investigation is still pending and we can't share the details in the note they send us because that department doesn't talk to customers '' Even tho I was paid months ago for check XXXXXXXX
Consumer complaint received 2024-04-12
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. (IA)

Improper use of my private credit report. I did not give permission for this company to access them and provide false and misleading information on them. This was a checking account and NOT A LOAN as stated on my reports.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (PA)

I had filed a dispute for two instant withdrawal charges because they were not made by me i reported it as fraud it is still under review for XXXX . After this the company had locked my account they still have yet to remove the card number for the instant withdrawal which i have told them does not belong to me. This has been goin on since XX/XX/XXXX i have done everything they asked to verify my identity multiple times. Either way the rest of the money not disputed is locked and is my entire tax refund they locked my checking and savings i can not add my bank for transfer and they havent removed that card. I have contacted they through email phone and chat with no solution besides there hire up team is investigating I dont even know who there higher up team is and they give me no explication this has been going on a month now i would appreciate if someone can please help me.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent over 10 complaints about an address that's on my credit report to Experian and they still haven't removed them, they have responded that they are going to remove the address, and still on my credit report : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-07-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (MI)

I have been trying to set off my PayPal account ever since they closed it and transfer to recoup everything to the principal account not the general which PayPal keeps stating about but the principal account which I am the beneficiary of when they use my social security number they know that they were using my estate funds I have been trying to address this matter for quite some time truth and Lending act Fair freedom of information act and several other consumer violations are made when assets are kept and not transferred to the principal account which I have stated to PayPal I want offset it and resend any contract that I had with them to recoup
Consumer complaint received 2023-02-14
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. (KS)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$30000.00}, XXXX XXXX Balance : {$16000.00}, XXXX XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I have debts and credit cards and a light bill from XXXX XXXX a credit card from XXXX and a card from XXXX that arent mine on my report XXXX Account number XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (MA)

Hello I been trying to get my credit information fixed by Equifax I called them since last year about the same issue they arent reporting correctly and also called them today to check my report and still not being reported correctly.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (AL)

I have my property taxes escrowed each month along with my mortgage payment. Rocket Mortgage indicated that the taxes were paid on XX/XX/2023. However, when I checked with the local taxing authority if my property taxes had been paid, they said that the taxes had not been paid. Currently my taxes are delinquent, and my home is subject to being sold for non-payment of taxes. I contacted Rocket Mortgage and provided them with contact information for the revenue commissioner 's office and my tax account number and the parcel ID. However, Rocket Mortgage refused to pursue this matter and required me to get a letter from the revenue commissioner 's office stating that my taxes have not been paid before they would take any action. This is easier said than done. I live in a small rural community, and the revenue commissioner 's office has limited staff. I have no idea when I can get such a letter. I don't want to lose my house because of Rocket Mortgage 's failure to pay my taxes with money I have already given them to do so.
Consumer complaint received 2023-12-19
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 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 2018-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Navient tries make you pay so much interest so that your principle is never paid. They give inconsistent information and each customer representative you speak to gives you different answers. They attempt to make you pay more than half your paycheck and say they can do nothing else, even when you are reaching out to them to make payments. They tie you in and threaten you with lawsuits when you are trying to set up a payment plan. Interests rates are really high and they report to the credit bureau and will not take off Mark 's they made which are incorrect even when your account is currently up to date. Proper loan education or information was not given at the time loans were taken out. Navient makes it so you can pay high payments each month and your loan will still never be done.
Consumer complaint received 2018-10-23
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: Experian Information Solutions Inc. (CA)

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''