davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (GA)

Today XX/XX/2021 I was denied credit under false pretenses. Affirm emailed me saying I was denied because they could not verify my identity, I called experian which is shown on email as the source. I called experian and they stated all of my information matched what was submitted from affirm. 
I sent a email requesting more info and questions on how can I verify my identity with them, I received a response to call or email them. I called affirm and the supervisor stated they receive information about me from various sources and did not disclose those sources when I asked for the information. I was able to verify with representative all information was correct but This company has found a way to discriminate against me by using the not being to verify me as a cover up.
Consumer complaint received 2024-03-06
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. (IL)

Dear EXPERIAN, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXX XXXX  Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account Number:XXXX Party Owed : XXXX XXXX XXXXXXXX Amount XXXX {$60000.00} Account XXXX XXXX  XXXX XXXX account XXXXXXXX XXXX XXXX XXXX {$340.00}. I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. FTC XXXX
Consumer complaint received 2022-12-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I wish to complain about JP Morgan Chase. In late XXXX, I opened a savings and checking account with Chase. They offered a deal where you would earn {$600.00} for opening these accounts and for moving {$15000.00} into a savings account.

Three days after I opened the account, I transferred {$15000.00} from another bank into Chase. Thats when the problems began. Soon after, possibly on the same day, Chase decided to close both accounts. My accounts no longer exist, and I seem to have no way to get my money back. 
I was first made aware of this situation from a letter dated XXXX XXXX, explaining that my accounts would soon close due to recent activity on the account or because you didnt provide information we requested. They never asked me for information, and the only recent activity was the money I moved into the account. It amazes me that they would invite me to open an account and then punish me for moving money into said account. 
The letter indicated that I could call to rectify the situation, but when I did, the lady on the other end explained the accounts were already closed and they would mail me a check for the money. No one has ever been able to explain to me why the account was closed in the first place, but at this point, I just want my money back. 
According to the bank, my account was converted to debit on XXXX XXXX, supposedly in the form of a check that would be sent to me. Its now been more than a month, and I have still not received a check. I have visited Chase branches several times, and no one is able to explain why its taking so long, when I might get the check, or who I could speak to that has any deeper visibility into the situation. 
It amazes me a bank can get away with this kind of behavior. Couldnt they just have frozen my account and asked me to visit a branch to rectify whatever the problem was? Couldnt they have wired the money back to the account from which it came, or called me up and suggested I visit a branch office in the next two weeks to reclaim my money? What would have happened if I needed that money for a medical procedure or a house emergency? 
People put their money in a bank to keep it safe. But what happens when its the bank itself thats the bad actor?
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MI)

On XX/XX/XXXX a debt verification letter was mailed to Jefferson Capital Systems via Certified Mail. 

On Monday, XX/XX/XXXX, I received a letter from Jefferson Capital dated XX/XX/XXXX. There was no postmark on the letter. 

The letter states only that they have puchased the debt in question, and that verification is enclosed. The only enclosure was a photocopy of a bill from the original creditor dated XX/XX/XXXX. 

The information received from Jefferson Capital is not enough to verify the alleged debt. They failed to provide further information that was requested in my debt verification letter, such as the date the debt was purchased. 

In addition, the account is reported as opened XX/XX/XXXX, over two years past the date on the photocopy of the bill provided. I believe the debt age is being incorrectly reported to the bureaus, which is in violation of the FCRA. 

Until recently, I was unaware of said alleged debt, and Jefferson Capital Systems has failed to provide adequate documentation to justify further collections efforts.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

The letters are stated with items and issues. 

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 2023-03-20
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$14000.00}
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (SC)

I noticed in XXXX that a new collection was added to my account and dropped my credit score. I called and was told the debt was from XXXX. I explained that while I had a personal account there were two other accounts that were part of a business that I sold. 

I asked to verify the debt and they would not and could not provide it. 

I sent another request for the information via certified mail on XX/XX/2020 and never received a response from the debt collector. 

I am also filing with the SC Attorney General and the MN Attorney General. 

I have since paid the debt since I am in the process of buying a house and it was affecting my credit.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I submitted a letter to the 3 Credit Bureaus to fix 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. 

BankruptcyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My information was breached in the Equifax hack of XX/XX/XXXX. I first became aware of the problem near the beginning of XX/XX/XXXX. Equifax apparently had insufficient data protection safeguards in place and as a result my personal credit information along with approximately 143 million other Americans ' credit histories have been compromised
Consumer complaint received 2024-03-06
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. (IL)

in accordance with the fair credit reporting act XXXX  account XXXX  XXXX and XXXX XXXX  XXXX  XXXX has violated my rights. 
15 u.s.c 1681 section 602 a states i have 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.
Consumer complaint received 2024-03-06
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. (OH)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX Account # : XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

In accordance with the ( FCRA ) everything has to be 100 percent accurate on my credit report. The bureaus have stated all my accounts were properly investigated, but how can that be when the date last active, the date last reported, and the opening date are all incorrect and different between the 3 bureaus or incomplete. This is grounds for removal and they have violated my Rights under 15 u.s.c. 1681 sec 602A. States I have the right to privacy. 15 usc 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instruction. There for I want to see verification of a signed invoice, a copy of the binding contract between both parties and validation of the debt that is actual accounting.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my protected consumer rights to privacy and confidentially under 15 U.S.C .1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX # XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 

15 U.S.C. 1681 Section2. 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 agency may make any consumer report containing any of the following items of information, other than reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to beleive that the information is inaccurate.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

How am I late on payments after a car was repo? 
The vehicle was repo and defaulting on payment at this point .The reporting of late payments after a repo occurring is an error leaving the deficiency balance.The vehicle was repo and defaulting on payment is in accurate. Reporting late payments is a factual error. The account was identified as a repo but you still report late payments.Since the vehicle is no longer in my possession it will be impossible for me to default on a payment .I have the right to an accurate credit file and discrepancies like this is unacceptable so please immediately remove this account and its entirely from my credit file.A monthly payment should not exist after a repoXXXX XXXXXXXX account number XXXX.
Consumer complaint received 2023-05-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OK)

I have asked Midland collections to stop contacting me but they seem to be ignoring me as if i dont matter, i received a letter today from them wanting me to pay something im not even sure is mine. They refuse my rights as to showing the original purchase for this account saying they dont have show me which is wrong because capitalone could have put conditions concerning the purchase and when you buy in bulk applys to all. If they own this account why is there a problem showing the purchase, the original open date for the account the original contract date, the original charge off date, show late payments, the original interest rates, XXXX XXXX yrs old im not going to be taken advantage of or bullied in paying some one who tell me they dont have to prove any thing to me. I have asked CFPB several times to help me with these people i have als askedthe ( 3 ) agencys to help me and no one seems to think midland has abused my consumer rights the agencys are not investigating the info being sent to them out of greed for making money off my account without my consent if you are going to sell my info you have the responsibility to make sure what yu are reporting is accurate. I asked midland to stop reporting until the investigation has been completed same for the three agency, and send me a copy of the investigation with who they talked to, the dept, date & time, who signed off on it the original form used to investigate midland kept reporting agencys also ignored my request. Im a consumer but my voice or rights mean nothing if these agencys are not made to respect the laws of this land and held accountable for there actions no one police these agencys no one make the three agencys to stop depending on AI to do there jobs but you dont if you cant do your job i requesting the three agency to stop selling my info until they get my consent and also show me that they did the investigation before selling it.
Consumer complaint received 2023-07-28
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (WA)

I 've been accused of allegedly owing over $ 10K for various parking citations from AllianceOne and their sister company XXXX in Washington state ; that I know is completely false and they were already paid. Prior to me paying my balance online on their website and sending money for payment arrangements they garnished my wages through my employer ( which I was unaware of a case against me nor was I notified until the day my employer start garnishing my checks ). I was n't notified properly of any notification of any judgment. They are using false, deceptive and misleading means to collect debts and communicating information to credit reporting agencies that it should have known to be false, using abusive practices and is in violation of the FDCPA. In addition to, their sister company harassing me. After sending dispute letters in order to have some sort of resolution to both of these companies, I got no result. This has been on-going since 2011. I believe they are cheating the state and not telling the truth about their pratices. These entities are adding interest on a daily basis causing more debt for the individuals who are debt.
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Neighborhood Housing Services of Richmond, Inc (VA)

Mortgage servicing company do not send monthly statements for loan. When company do send statement the information provided is incorrect ( ex. showing past due amounts when payments are automatically deducted from my bank account ). They do not send yearly escrow statements or anything that shows balance in account. Requested on several occasions in person for payoff on mortgage and have not received information requested. Each time I visit there office the person who can assist with issue/problem is not there. 
Company did not pay first half of real estate taxes for 2016 which was due in XXXX and I received delinquent notice from the XXXX of XXXX with interest and penalties. Taxes still have not been paid as of XXXX XXXX, 2016. Every time I make a request the person who has the answer is not there. Company states that they will get back with me and no one never do. This issue has been going on for several months.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I sent XXXX XXXX, Experian, XXXX and XXXX documents stating that I am a victim of identity thief. XXXX, Experian and XXXX all removed XXXX XXXX account the reinserted it after the dispute was completed. I Call them all and the said this XXXX XXXX account can't be removed or re-disputed. I sent them all a copy cover letter, ID, XXXX, XXXX XXXX, police report notarized. XXXX XXXX XXXXXXXX # XXXX Bal {$2100.00} date opened XXXX closed XXXX
Consumer complaint received 2017-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

XXXX XXXX is a company I trust. I used them to get a secured credit card. Now, I am cheated. One of the companies who advertises through XXXX XXXX { XXXX XXXX XXXX } was offering radically more money on a loan. { 2000 % more. } My credit has been improving as I have made this a real priority. I applied for the loan a month before moving, hoping to cover moving expenses including furniture. No where in the five pages of legal and apply { except for one sentence, one time } did they suggest I needed to own a vehicle to put at risk as collateral. 

They classic bait & switched me. One of the parts of the service XXXX XXXX gives is to show the highs and lows of the credit scores of other user who have been approved. They switched the loan over to secured and claimed I was approved. I am sure they are including me in the XXXX XXXX list of approvals. I do not anticipate getting any money from them. I demand inquiry into how many of the listed approvals statistics actually resulted in money being lent to the consumer who found XXXX XXXX XXXX through XXXX XXXX.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (FL)

The following credit inquries listed below are fraudulent and as a result of identity theft. I have filled an identity theft report regarding these credit inquiries that I personally never initiated or approved. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX