davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and XXXX XXXX well as XXXX XXXX, how can they both be open? XXXX fixed that with dispute. XXXX didnt update after disputing, XXXX has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with BOW ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and XXXX are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with XXXX  due to these specific errors. Thank you for your time.
Consumer complaint received 2018-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (IL)

I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using credit karma, XXXX, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.
Consumer complaint received 2018-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using XXXX XXXX, Equifax, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.
Consumer complaint received 2024-03-21
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. (GA)

I am victim of identity theft and I am requesting for Experian to thoroughly investigate these fraudulent accounts without using E-Oscar system to verify them. Your company is violating my rights and I will be filing a lawsuit against Experian if these fraudulent accounts are not delete and removed immediately under FCRA 605B. These following accounts need to be deleted and removed immediately due to fraud and identity theft. Someone used my personal information without my permission to obtain these fraudulent accounts : XXXX. XXXX XXXX  Account Number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Recently me and my husband applied for a mortgage, and his credit went through but mine came back as not having a credit profile for Equifax. Upon further investigation representatives at Equifax said I dont have a credit profile at all. Which was weird because the other XXXX agencies XXXX and XXXX have a credit profile for me. Also I have credit cards and student loans in my name. I asked Equifax what documentation needed to be sent over so they can make a file and they told me mail in XXXX forms of ids so I could be verified. This was on or around XX/XX/2024. I mailed in the documents a week later XX/XX/2024. They said it would take XXXX days once received to process documentation. Got a letter on XX/XX/2024 stating that they received our request but were unable to locate a credit file. The whole point of the documents were to create a credit file which they told us. Also the customer service representative said he doesnt see any documents sent in on file, and wants me to resend them for like the XXXX time. This has shattered me and my husbands hopes of getting a house.
Consumer complaint received 2024-01-09
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. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish on account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan for any purpose. 

Subsection I state that transactions are not included in the Consumer Report
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. (FL)

Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all XXXX  XXXX Equifax XXXX for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XX/XX/2008 XXXX XXXX supposedly signed on behalf of Option one as assignee but it appears that this alleged assignment has been deliberately altered to redact the name of the person who supposedly executed the assignment on behalf of option one it was placed in a PSA and never make the cut off dates XXXX XXXX claims I owe XXXX XXXX From a refinance of XXXX Qwr was sent out to explain issues I never got a reply from them ahm are ocwen
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NV)

XXXX  has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX XXXX XXXX XXXX XXXX XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-06-01
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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (MS)

have contacted affirm to get them to help me log into my account SO I CAN PAY MY BILL AND KEEP MY CREDIT RATING IN GOOD STANDING,,,,, PLEASE HELP ME,,, I CALLED THEM AND YOU CAN SEE IN THE FILE THAT I UP LOADED TO YOU,,, I CALLED THEM AND STILL CAN NOT LOG IN TO MY ACCOUNT
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST REPUBLIC BANK (NY)

XX/XX/18 I recently tried to open a bank account at First Republic on XXXX XXXX and XXXX XXXX. The bank was suggested to me by a number of clients. I decided to inform myself about their services. The banker, XXXX XXXX, informed me about all the options. Since I travel frequently and have family aboard and conduct business in XXXX and XXXX XXXX. I was to by the banker that this was not a problem that the fees for wires would in fact be much lower than with other banks. XXXX XXXX emphasized how easy it is to work with FR internationally. I decided to open an account. I went home to get the required documents my passport, social security card as well as a check for {$40000.00} for the initial deposit only to be told on my returned to the bank that FR was not the right bank for me and that international transfers could not be made. I pointed out to that this was the exact opposite of what I was told before. After showing him a brochure he had given me 15 min. before about the options for international transfers the banker told me that there was another reason, nothing to do with my finances or my need to do international transfers. He referred me to the manager of the branch. I spoke to her about my conversation with XXXX XXXX. She said he did not know the details since he had not been working at the bank for long. I ask her why he said that there was another reason and was told : " We are not a good fit for you. '' I asked her to be more specific and she said : " I have nothing more to add. '' Since I do not recall any negative banking history I was perplexed. I can not help but understand the refusal to open an account as an act of personal discrimination against me. I would like to report this form of prejudicial and inequitable experience I have made with First Republic and their branch on XXXX XXXX. and be told why I was in fact denied to open an account and if the reason I was denied is in fact legal. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (FL)

Harris and Harris has been calling me several times a week for collection of a debt. I have no idea what they are calling about and have asked repeatedly for the bill. 

I have never really a bill from them and they refuse to answer who they represent and what the charges are for.
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (TX)

On XX/XX/XXXX  I made a purchase for {$110.00} from XXXX for 4 pairs of legend of XXXX swim trunks. Said company sent 4 pairs of flimsy shorts with no mesh in the XXXX for support of XXXX XXXX I emailed the company and they claimed I ordered board shorts and the ad was taken down, then reposted temporarily with the correction board shorts before taken down again. They asked me to submit a screenshot of the ad, and I told them it was removed. They then asked me to return them in exchange for a 15 % discount on a future order. I declined requsting either my correct order or a full refund. They came back offering a 5 % DISCOUNT. I said absolutely not. They then asked if they could send a partial {$80.00} I said no. 
XX/XX/XXXX I called chime and filed a dispute. They said I wasn't allowed a provisional credit bc it was above the allowable amount, but I'd have an answer in 90 days. 
XXXX XXXX XXXXXXXX 20 days later I was not issued any credit. 
Meanwhile, I'm still arguing with nursecloth, asking for a refund. Bu this time they begin asking for my bank information. I said absolutely not, they had my card information. They said they were getting declined processing the refund allegedly. Chime claimed there was no attempt on nursecloth side to send any money. 

A 3rd party ( XXXX ) began emailing me for my bank information because they allegedly were having problems issuing a refund. I told them they can XXXX me the refund or other acceptable means but they insisted on my bank information. 
They also begin telling me that since the dispute is open, it's preventing the refund, I must close the dispute before I get my refund. Obviously if I close the dispute they'll never give the refund bc it'll look like the account was settled Meanwhile XXXX is 90 days and chime denied my claim stating there was no error on XXXX part. They said I needed to file an escalation and they'd send me a letter on why I was denied ( they never do send any letters ). I submit appeal with all correspondence from XXXX, mapiet and myself. 90 days, denied, XXXX filed appeal, allegedly nothing wrong, included email where XXXX admits I'm due a refund and received nothing, 90 days XXXX same cycle. No explanation. By this time, XXXX has shut down the website, they have blocked me, mapiet stopped responding and chime insists I can sue if I want but nothing will come of it.
Consumer complaint received 2021-10-21
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: LEXISNEXIS (FL)

I have call lexis nexis they provided with a letter that they deleted the chapter XXXX from t their data base XXXX got it from them no I show them proof an they dont want to deleted they say I have to go to court an get a letter how can they report something that got deleted an is not verify please thats illegal make them deleted it right away they putting excise I have done this already an they dont care they just reply to you guys with lies
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
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. (GA)

XXXX XXXX XXXX This company above is continuously reporting XXXX  days late payment. A collection can not be late because its already past due Remove the collection listed above because you are reporting the payment status as XXXX  days late when by default collections are past due. I never entered into a contractual payment history for them to report a late payment. 

this is a violation of my consumer rights Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete
Consumer complaint received 2023-05-08
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TN)

I bought a vehicle from XXXXXXXX XXXX XXXX and had a warranty purchased on it. Now, XXXXXXXX XXXX XXXX has closed and I am having to pay for the repairs since the vehicle they sold me is not in the best of shape. The cars coil packs have gone bad 2 times in the last 2 months and the repairs are around XXXX dollars each time on top of the amount I already pay for the loan and the insurance for the car. The car loan is transferred due to XXXX XXXX XXXX  closing down and I have no one to honor this warranty since the company the loan was sold to has said they will not be doing so.