davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (MA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 XXXX, XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

After checking my credit report i noticed a fraudulent student loan account # XXXX XXXX XXXX on my credit report. I disputed and requested and investigation and removal from my credit file. They never submitted what i requested and continue to report on my credit file.
Consumer complaint received 2018-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

XX/XX/XXXX Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/XXXX TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/XXXX Amount not received by XXXX XX/XX/XXXX Talked to XXXX XXXX banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. XX/XX/XXXX XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX XXXX # XXXX ( via XXXX ) -- email used was : XXXX XX/XX/XXXX XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/XXXX Talked to XXXX XXXX banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/XXXX Our account showed a payment of {$240.00} to XXXX -- XX/XX/XXXX Our account showed that the payment was delivered to some XXXX   account ( not XXXX 's ) -- XX/XX/XXXX XXXX XXXX & XXXX 's account show NO payment received on XX/XX/XXXX. -- XX/XX/XXXX XXXX XXXX & XXXX 's account show the payment ( {$240.00} ) received. ( sent on XX/XX/XXXX ) XX/XX/XXXX After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. XX/XX/XXXX XXXX claim case opened : XXXX XX/XX/XXXX XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as XXXX XXXX has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by XXXX XXXX including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? XXXX XXXX XXXX have no other bank account. XXXX also called XXXX XXXX & XXXX, but they could not help him either to track down the missing payment. XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the XXXX XXXX banker " XXXX ''. He opened a new case : XXXX with their Executive Resolution Team, who  took 2 weeks to look into this. In the end the case was closed because XXXX won't expose the account # the amount was deposited to. XXXX gave up and agreed we go through the Legal Route.
Consumer complaint received 2024-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc (GA)

Apparently someone purchased a cellphone through " XXXX XXXX, using my personal information. I have been harassed from XXXX XXXX and several debt XXXX since XXXX The latest debt collector is XXXX XXXX. They claim they " investigated '' and the account is mine. I have a stellar credit history that goes back decades. That debt incurred with XXXX XXXX is not my debt.
Consumer complaint received 2024-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Central Holdings, LLC (SC)

for over 4 years i have been trying to remove this off my credit report but they just refuse to remove it off my report, this was fraud because i never signed a credit report my next step is a arbitration because this was fraud and its been reported but they refuse to remove this off my report i never received a loan from the is credit central company please have them remove me
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XX/XX/23 XXXX received email from Experian saying credit file inquiry- theres been a change to your credit file XX/XX/23 XXXX received call from XXXX XXXX XXXX inquiring if I applied for a XXXX XXXX credit card. The name given was my maiden name. I changed to my married name 2 years ago. I stated I did not apply for any credit card, and the representative said she would mark the application as fraud and reject the credit inquiry on my file.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ARVEST BANK GROUP, INC. (AR)

I opened a bank account deposit ta check from my tax refund the next day I saw it deposit to my account..then 2 days later they advised they were doing a investigation..after the 30 day investigation I received a letter stating they are losing the account and that any money would be sent to me via a check from the bank ..Ive contacted the bank numerous times to ask what happened and I have been greeting no resolution I called the irs and they asked for the tracking information and the bank failed to provide it
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (AR)

I received a Chime Debit card today in the mail. I didnt know what Chime was and I certainly didnt open an account with them. The paperwork that came with the debit card looks like the typical welcome to your new banking type rhetoric. I attempt to call the number on the card which sends me into a never ending loop of choose the option that applies, none of which pertains to my needs and you are not at any time give the opportunity to speak to a live person. The recording does however say that any further questions or concerns you can use live chat XXXX by downloading their app. That in and of itself is ridiculous because I dont want to download their app. I dont want anything to do with them. Anyway, I do in fact end up downloading their app so that I can potentially speak/chat with a live person BUT of course you can not do that UNTIL you create an account. Which I will not do because, again, I dont want them to think that I want anything at all from their company and I dont want them to have any more information about me then they already have. I search the web to look at how I can get ahold of an actual person and I find an email. I send an email and, of course, I get a automated response stating that beginning XX/XX/year> they will be transitioning away from email support. This company reeks of horrible scams and horrible ethics. All I want to do is be able to A ) close this account immediately and B ) find out all the details about when, where, what time, etc that this account was open. I think their tactics to get you to download the App and create accounts just to be able to speak to someone is a scam in and of itself. 

Please help me. 

Thank you, XXXX XXXX
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (WA)

On XXXX I received from XXXX XXXX a real property foreclosure warning on my property that is currently mortgage with Roundpoint mortgage servicing LLC. I reached out to XXXX XXXX to understand the problem and it turns that no tax payments have been paid to my account for my property since XXXX, and that I should reach out to my lender. I then analyzed my escrow statements, and they show disbursements for tax payments in the values that the county expect me to pay. 

On XXXX I reached out to Roundpoint, and they initiated a case to investigate the issue. I then reached out to them via phone calls on XXXX, XXXX, XXXX and then again on XXXX to ask about the status of the case, but couldn't get any substantial updates on the progress of my case. I also e-mailed them several times in the meantime. 

Now, as I look at their loan portal, I see a disbursement from the escrow in an amount that closely matches the amounts I'm supposed to pay the county, but I can't get any information on this disbursement, and XXXX XXXX has confirmed that they haven't received anything yet.
Consumer complaint received 2023-08-22
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update the following inaccurate items in my report : 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 2023-10-14
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. (NY)

To whom it may concern ; I recently reviewed my consumer report and observed that 2 late payments are incorrectly reporting on Consumer Reports. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information with Maximum Accuracy. I have never been late on my account by XXXX with account # XXXX. Attached document will show multiple inaccuracies. Please remove the late payments and update with paid on time as I was never late. 

Thank you for your kind consideration. 
XXXX
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I found this as a derogatory account on my credit report and later I find I am being called, daily by this same company, and mostly right when I would be in meetings with company. I spoke with them briefly and recorded on paper, their mailing information so that I could properly address the situation with them, requesting the contract in which if I am to owe them anything, I would have to had agreed and hand signed for it. They have failed to return the document ( s ) requested, therefore providing thus far that this alleged debt is exactly that, alleged and therefore bogus. They have not provided a copy of my written consent to either report my information in a negative manner, or to contact me, especially since there is no debt to me.
Consumer complaint received 2023-08-28
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. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter 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  Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$900.00}.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

It has come to my attention that Citibank has made the decision to close my account subsequent to the receipt of a refund check from my XXXX XXXX. Regrettably, despite assurances that a notification letter was dispatched on XX/XX/XXXX, its delivery to my address has not been realized. Consequently, there has been a lapse of approximately three weeks without receipt of said correspondence, exacerbating the situation.

As a result of the closure of my account, inquiries have been made regarding the status of my funds amounting to {$3700.00}. Unfortunately, attempts to obtain clarity on this matter from Citibank have thus far proven unsuccessful, leaving me with unresolved concerns and considerable inconvenience. 

Given the significant financial implications and the lack of communication regarding the closure of my account, I respectfully request immediate assistance and resolution from Citibank. It is imperative that this matter be addressed promptly to alleviate the distress and uncertainty it has caused.
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (TX)

XX/XX/XXXX I was approved for a loan of {$610.00} I only used XXXX of it towards XXXX. I tried using it to finalize my travel itinerary and it declines XXXX. 

I chatted with and called Affirm to see if they could restore the virtual card ending in XXXX or finalize the loan, so that my money unused as a down payment of {$300.00} could be reduced and sent back to my bank card ending in XXXX. Since all of my money I have has been used to finance the loan I have no way to finish my travel plans, unless they do one or the other aforementioned. 

I was met with NOTHING but excuses of how they have no way possible to adjust the loan to refund me some of my money, or even open the virtual card up so I can use up the remaining {$220.00}. They told me to contact XXXX because they had to approve the final amount of {$380.00} versus the original {$610.00} I borrowed. XXXX could not help me as they gave the SAME excuse Affirm did. So they are passing blame to each other, I travel on XX/XX/XXXX, XXXX and I have no way to return back home on XX/XX/XXXX as planned! Because Affirm has held up my down payment of {$300.00} and if I leave it up to them to take their time adjusting the loan it can take up to 21 days for them to update the loan amount.
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: Bread Financial Holdings, Inc. (FL)

XXXX : Late payments : XXXX  XXXX day late Comenity Bank XXXX  days late Incorrect Personal information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments : XXXX  XXXX- XXXX  days late Comenity Bank/XXXX XXXX days late
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, 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. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Consumer complaint received 2023-07-12
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. (FL)

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

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 2024-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (DE)

On XX/XX/2024 I paid misland credit management {$1000.00}. For an account that I owe with XXXX XXXX XXXX XXXX  They promised me a letter of deletion that I still have not received. I upheld my part of the deal and have not received there end of the deal. Please remove debt from my credit report.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (MD)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$630.00}
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to file a complaint regarding a refund issue concerning my Chase credit card account. On XX/XX/2023, I used my Chase credit card to purchase an XXXX airline ticket. However, later that month, I closed the credit card account. 

In XX/XX/2023, I had to cancel my XXXX airline ticket, and the refund was processed back to the same closed Chase credit card. The refund, totaling {$1500.00}, was processed by XXXX on XX/XX/2023. 

Despite the refund being processed by XXXX XXXX, I have yet to receive the refund from Chase. I have been in contact with both the airline and Chase bank, but I seem to be going in circles without any resolution. 

After spending considerable time discussing the matter with Chase, they acknowledged that instead of a standard closure, my account appears to have been expunged. This has caused significant confusion and inconvenience to me. 

The main issue stems from the refund processed by XXXX XXXX on XX/XX/2023. Despite my efforts to resolve the matter, I have not received the refund or any clarification regarding its status from Chase. 

XXXX XXXX has confirmed that the refund was successfully processed on their end.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.