davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (CA)

You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { XXXX XXXX Put name of collections company here } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Please Remove Immediately!!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (AR)

First Premier XXXX, Capital XXXX XXXX, XXXX XXXX XXXX, Capital XXXX XXXX, Capital XXXX XXXX, Capital XXXX XXXX, Capital XXXX XXXX, Capital XXXX XXXX, Capital XXXX XXXX, XXXX XXXX, XXXX XXXX, Credit Acceptance XXXX, Credit Acceptance XXXX, Flagship Credit XXXX, Flagship Credit XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Bank XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Smart XXXX XX/XX/XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (MD)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Specialized Loan Servicing Holdings LLC (CA)

I have called and posted my issue in the message system for Specialized Loan Services regarding the payoff of my 2nd mortgage; requested the full reconvenyance and refund of overpayment. I used the online system to get the payoff balance and made two installments, the first at {$50000.00} was posted on XX/XX/2023 and the balance of {$14000.00} ( per the payoff provided ) posted on XX/XX/2023. Shortly after the payments processed I called and was told it would take 51 days for them to issue the refund ( an overpayment per their site of {$580.00} ) and to provide the reconveyance to support loan paid. I have sent messages again, no response. It is now 65 days with no response and I am concerned about clearing the lien status on my property to just reflect my first mortgage.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (GA)

I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Consumer complaint received 2023-09-21
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. (MA)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my Federally Protected Consumer Rights of privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX acct . # XXXX and US Department of Education acct. # XXXX. Also, US Department of Education acct. # XXXXhave violated my rights. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 section 604A It also states a consumer reporting agency can not furnish an 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. 1682s-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 2023-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I was notified by a credit card company that keeps up with my credit score that there is a derogatory mark on my credit score. I looked and there is a {$230.00} charge and the company stated is Southwest Recovery Service. I have tried to call them several times and I am only getting a voicemail.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I sent a request to the below mentioned credit bureau, along with a copy of my current drivers license as proof of my identity to have my name and address information corrected on my credit report because the reporting agency has published my personal information inaccurately. 

I asked that the following address and wrong spelling of my name be removed : 1. XXXX XXXX   XXXX ... .There is no middle initial in my name 2. XXXX XXXX XXXX ... .I do not have a middle name at all I've never lived at the following addresses : 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, NC XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 6. XXXX XXXX XXXX # XXXX XXXX, NC XXXX 7. XXXX XXXX XXXX XXXX, MA XXXX 8. XXXX XXXX XXXX XXXX, MA XXXX All of the information from 1 thru 8 need to be deleted from my credit report, pursuant to the Fair Credit Reporting Act.
Consumer complaint received 2024-01-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am so tired of dealing with this company. They claim to have mailed the consent judgment on or around XXXX XXXX. I received it on XXXX XXXX and the due date to send it back was the XXXX! I have proof from the post office that I didnt receive it until later. Why mail something after the actual due date that you put in the letter. That is setting someone up. I did however go ahead and sign the consent judgement and returned it immediately to the company. This should mean that I would not need to go to court, but I have not received any news that my court case is canceled. This should have been taken care of already. This was 3 weeks ago! At this point I would rather file bankruptcy than wait for someone to contact me. The case should have been dismissed due to the agreement and consent judgement that I signed. Why has this not happened? They want me to pay extra court fees and miss a day of work. I can not miss a day of work for this.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2023-09-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (FL)

XXXX XXXX : I successfully open a Discover high yield savings account XX/XX/XXXX : I attempt to connect my bank ( Discover doesnt take my bank. doesnt tell me this though! ) - instead of giving me an error message it just locked me out PERMANENTLY for too many attempts. 
XX/XX/XXXX XXXX XXXX : I call Discover. They half remedy the issue by unlocking my account, I thought everything was fine. 
XXXX I find that I can't open new bank accounts. I can't connect accounts. Apparently Discover sent XXXX some message saying I'm negative. From what I'm reading this mark with remain there for 5 years. No other information is available accept that I have the option to ask for this report and dispute it. Notice how much I need to do because Discover 's platform doesn't inform you of THEIR website error. Websites are telling me " pay down debt '' as one of the steps. As if I did anything wrong or owe anyone money. 
XXXX I fill out my sensitive info for XXXX, click send, nothing happens. I try on a XXXX, same thing. I'm on a common laptop, like what's the issue? This is actually illegal on the part of XXXX, because they claim they will give me my report but it is inaccessible. I actually try to call, but the connection and accent is so bad I can't understand anyone and I give up. I promise I'm not being XXXX, XXXX XXXX ; I really struggle to understand heavy accents. Inaccessible information that is mine. Hours spent by now. 
XXXX I call Discover back to give them an opportunity to correct it ; the kind and unfortunate supervisor tells me that by their rules Discover can not do ANYTHING FOR ME! I have to reach out to XXXX. He was upset as well, he didn't even know this could happen to someone. 
XXXX filing this complaint. Will bring lawyers into the situation if needed. 

*This date was an error on my first submission for XXXX XXXX it was XX/XX/XXXX that I opened this account.
Consumer complaint received 2024-04-18
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)

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2024-04-18
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

XXXX, I applied with Affirm for an order from XXXX but was denied. I do have a credit freeze but I lifted the freeze a day before. Therefore, Affirm had access to it stating they could not verify my identity. I have the same profile with Affirm with 18 accounts pay in full with a great pay history. Affirm providing false reasons to denied so the customer can not get an Affirm account. I would rather they tell me we can not at this time assist with your purchase.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/XXXX, I deposited a check for {$4000.00} plus at chase bank through my mobile app. The check was a refunded deposit from my old apartment after I moved out, therefore the check had two names ( my roommate and mine ) on it, in which I only signed my name on it to deposit. Chase bank identified my deposit as a fraudulent transaction, and declined the payment. They closed my account without place for negotiable. They wanted to suspend the fund until they can get a hold of my roommate, so I provided chase with her phone number at the time, chase then returned to me and claimed that the phone number wasnt registered under their system so there is no way they can identify my roommates consent to deposit the money. 
Fast forward to XX/XX/XXXX, my roommate went abroad and I asked chase if they could return the fund to the sender ( apartment ) so I can have the sender issue me another check. Since my roommate would not have a phone number, it would be easier for her to talk the apartment. Chase said no, they cant release the fund because it has already been deposited into chase. I asked whats going to happen, they said they dont know the money will go unclaimed to state. They cant do anything about it. 
I then contacted them once again in XX/XX/XXXX and requested them to return the money to sender. I was promised to have my matter escalated, promised a call back within 48 hours which I never got the phone call. 
Very frustrating.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I am a victim of imposter scam. A XXXX based dating app scammed my out of {$25000.00} USD. The bank recalled {$5000.00} but would not recall the other {$20000.00}. What can be done about this? 
Plus a company called XXXX  said if I paid them {$3000.00} then they can help me recover these funds. Can you tell me if this company is legitimate?
Consumer complaint received 2023-12-26
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 writing to delete the following information in my personal fi le. 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 humbly that the items be deleted to correct my credit report. I can't get an apartment or a car because of the account which is mildly frustrating. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affi davit. Please delete the items as soon as possible please and thank you.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

My wife was checking our home email and noticed 2 emails from Chase. One email was notification of changing my contact information, the other stated that the credit card application was pending. I immediately called Chase and spoke with their Fraud department to inform them that I had not applied for a credit card with them. They informed me that the application had been denied and that I should file a Identity Theft claim. I asked them to provide me with the name of the person ( s ) who had applied for the card and was told that I had to send them a letter requesting this information and to include a photograph of either my driving license or passport.

I explained that this was ridiculous since I was only asking for information that pertained to my credit. Chase said they would be sending an Identity Theft Kit to our address and it explained all that was needed. I then text a police investigator that is looking into a Scam matter for me, and he said that I should try and get as much information as possible. Luckily we have frozen our credit and also blocked our credit cards, which contributed to the application being denied. I am now filing a complaint with the CFPB.
Consumer complaint received 2023-11-13
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)

Someone stole my identity at XXXX XXXX  and made multiple purchases with my account. Someone has opened a home mortgage line of credit, and bought a car, in my name. The identity questions on my Ohio state unemployment security section are incorrect because someone has stolen my identity in the state of Ohio.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

Hello Consumer Financial Protection Bureau, This complaint is in regards to Consumer Financial Protection Bureau ( CFPB ) Complaint Number XXXX. CFPB, could you contact USAA on my behalf, to USAA President XXXX XXXX to make a one time exception and issue a refund for {$810.00} onto my original payment method based on the following information provided below to support my case : Supporting Evidence : For eight months ( XX/XX/XXXX through XX/XX/XXXX ) I tried to resolve the issue regarding the defective XXXX Front Load Washer I purchased online on the XXXX XXXX website with XXXX XXXX, XXXX Customer Support, and XXXX Authorized Agents/Service Technicians . Unfortunately, CFPB after eight months of trying to resolve the issue with XXXX Customer Support, and their Authorized Agents I tried to resolve the issue with USAA Federal Savings Bank in XX/XX/XXXX. CFPB, I have a harasser and I believe he/she could be at Consumer Financial Protection Bureau to delete my case/complaint. CFPB, could you assign one of your highly trained and skilled employees to resolve my complaint. Again, CFPB could you ensure the CFPB Representative whom is assigned to my case contacts USAA President XXXX XXXX on my behalf, to ask XXXX XXXX to make a one time exception and issue a refund for {$810.00} onto my original payment method.
Consumer complaint received 2024-01-12
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 (OH)

On XX/XX/XXXX I placed an order with XXXX  for winter tires for {$2000.00} using Financing through Affirm.com. Two days later a rep for XXXX called me by phone and told me the item was on backorder, there was no ETA on stock, he recommended that I cancel the order. So per his request I went on their webpage submitted a request for cancellation. I even received a email, confirming they received my cancellation request. 

I contacted Affirm to tell them the item will be cancelled, but time went by and the item was never cancelled so I contacted Affirm again and this time I filed a dispute, that I never received my product nor did the company cancel the order as requested, so I submitted all the evidence of proof, that the company received my request for cancellation, also email and even call log, to show that I was in contact with the merchant. Affirm said they would contact XXXX and resolve the issue in 15 days. 

XX/XX/XXXX I get notified that the dispute was resolved but not in my favor and that I am responsible for the loan even though I never got my product. They want me to pay for an item that was never shipped. The evidence even showed the status still says " XXXX XXXX for Process '' meaning nothing has been shipped or delivered to me. I called Affirm and a rep could not give me a clear reason why I didn't win the dispute despite the fact that XXXX never shipped the item. 

It has been 1 month since I placed my order and I still have not received my purchase nor has XXXX cancelled the order. Yet Affirm still has not taken care of this issue. As a customer this is very troubling. How can I be held liable for a loan when the merchant never fulfilled the order or shipped it. I should not have to file another report when I have not received my order.