davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

As of XX/XX/2023 Equifax is reporting XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  XXXX for the amount of XXXX XXXX and XXXX XXXX dollars. XXXX XXXX has sent me a letter stating that they no longer wish to attempt to collect this debt, and that the instructed Credit Reporting Agency to delete this account. XXXX has deleted this account as well as XXXX Equifax has not deleted this account as of now. 
Proof of this was downloaded into the CFPB portal.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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: WELLS FARGO & COMPANY (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

I have been a customer with Chime Bank for many years and I am still a current customer. I was offered a special account that they were offering called the XXXX XXXX account. 

After opening the account and having it for a while, they offered a special promotion offered where customers who perform a set number of transactions on their credit builder card would receive a special edition platinum credit builder card. 

I participated in the special promotion and incidentally accumulated this high balance. I do recall paying about {$800.00} bucks towards this in the application from my primary checking account that I have maintained with them for many years yet somehow this never happened - the app had a special feature where you could apply a minimum payment amount directly from your checking and I am almost certain I agreed to the amount of somewhere in the ballpark of {$860.00}. Plus, there are a few features of this special credit builder specifically about how the credit building works that were confusing. Nevertheless, somehow the banking application ended up showing that I never applied the payment from my checking account which resulted in the outstanding balance showing on my credit report. 

Regarding resolving this outstanding balance, Chime has stated that once an account is past due for more than 60 days, it will no longer accept any payment toward the outstanding balance. In my latest attempt to reach someone to resolve this matter, I was informed again that payments are no longer accepted once an account has been charged off. While Chime does offer live person contact, they do not have a collections department to assist customers in my situation. I am currently waiting for a response from them after going exhausting every option with a supervisor I spoke with who advised that the only option available to me was to wait for someone to contact me about resolving the issue. I have tried on multiple occasions over the time period that the account has been outstanding to repay this debt however their company refused to make contact and discuss these matters, yet they damage my credit report and score by continuing to represent that the debt is outstanding and that I am refusing to repay, this is not the case. 

I am hoping to garner your attention and support in resolving this matter.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

Today, XX/XX/XXXX of 2021. Bluebird which is by American express informed no one about their cards not being able to use nor can we reach anyone it says invalid number once you press 0 by calling the provided number ON the card .... My transactions were declined with available funds but was declined yet the money was still taken out!!!!!!!! This has to be illegal. Then finally aftet 5hours i finally got passed the 0 for customer service was on hold for an hour and 20min for her to hang up on me after 8min on the phone!!!!!!!!
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (TX)

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 accounts ( A ). It is not permitted to report these accounts 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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
Consumer complaint received 2023-06-15
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. (NV)

Please help me resolve this issue my rights have been violated my rights Please remove the following : XXXXXXXX XXXX ( closed account ) XXXX *Jpmcb card service ( closed account ) XXXX *Capital XXXX ( hard inquiry ) XXXX * XXXX XXXX bank ( closed ) Ways they have Violated consumer Rights/Law XXXX. 15 USC 1692b Acquisition of location information Not to communicate by postcard not to use language or symbols of any envelope or in the content of any communication affected by mail or telegram that indicates that there was a debt collector is any debt collection of debt XXXX. 15 USC 1692c Without prior consent of consumer given directly to debt collectors or express permission court or complaint jurisdiction a debt collector may not communicate with the consumer and connection of collection or debt XXXX. 15 USC 1681 section 2 Consumer can not furnish account without written permission XXXX. 15 USC 1681 section 602 Rights to privacy
Consumer complaint received 2023-02-06
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MI)

I had a few XXXX gift cards that each had a balance of {$200.00}. I attempted to use the gift cards at my local XXXX to purchase groceries on XX/XX/XXXX. The total for my purchase was {$91.00}. One gift card should have covered the entire amount, however, when I tried using any of the XXXX gift cards they were all declined. I double checked the balance of each of them and they were all {$200.00}. I tried running them as debit and as credit and all of them were declined. Interestingly, when I " split '' the purchase amount and told the machine to only charge {$50.00} on the gift card it worked. I could only use the gift cards for a purchase under a certain amount despite them having well over the {$91.00} that my groceries cost. This was the case with several of my gift cards, where I was unable to access the full amount. They were constantly getting declined and when I would call and ask them why they were getting declined they said that the gift cards couldnt be used at my local grocery store ... .. they offered to replace the cards, but as I indicated the cards worked fine if you made a purchase for XXXX or less of the amount that was actually on the card. I was being denied access to money that was mine and their answers werent solutions. Because this happened multiple times at multiple stores, including XXXX and XXXX, this felt like predatory behavior from them. 
I contacted the company on XX/XX/XXXX requesting a refund for remaining amount on each of the gift cards since I was unable to use the entire amount on the gift cards. I sent them all of the information they requested, this included pictures of my ID, pictures of the front and back of the gift cards and receipts evidencing the declined transactions. I emailed them XXXX month later to check the status of the case. They never responded. I called them at the end of XXXX and the customer service representative told me that he would mark the case as priority and I would hear back within 48 hours. A week later I still hadn't heard back so I called them and they told me that they didn't receive pictures of the gift cards in the initial email I sent. I could see on my end that all of the images included in that email had sent. Nevertheless, I resent them the pictures of the gift cards. I received an email back saying they could not refund me due to terms and conditions. I read through their terms and conditions and didn't read anywhere at all about them unable to process a refund. I emailed back asking them to be more specific about the terms and conditions and where I could find this information he was referring to. They emailed me back and told me the case was closed. I have been unable to get a timely response from them to update me on the status of my case and they have failed to inform me on several occasions why this case was never moved forward.
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (TX)

I paid a debt to Innovative Recovery in full on XX/XX/21. I disputed this with XXXX  on XX/XX/21. The dispute was completed on XX/XX/21 and they are still reporting it as unpaid. I included the reference number, payment date and payment amount in my dispute. Clearly, they did not research this, they just said they " verified '' it. I've since mailed XXXX a copy of my bank statement and the confirmation email, but still no change. The debt also reflects to be unpaid with XXXX. I sent Innovative Recovery a request to update it by mail, but still nothing. I want this taken off of my credit report.
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Going through a divorce XXXX XXXX XXXX and he is blackmailing me not doing anything thats on the financial affidavit written from attorneys. My retainer was up with my attorney so he hacked into my XXXX and I have now no cash or credit card to pay another attorney for advocacy. He hacked into my XXXX account and took everything from me changed all passwords stole my identity and will not adhere to Original financial affidavit stating that my vehicle will be paid off and put in my name there is XXXX left on my loan, but he put himself on the title. He has never driven my suv. In our home which is being sold for XXXX XXXX in XXXX Florida, he has both of my girls and we own multiple investment properties in XXXX XXXX. He is threatening me and blackmailing me, and I will be evicted now from my temporary lease because I have no money to pay and he put me in this position so that he could change the financial agreement so he says in order to not give me anything in this divorce. He filed for divorce in XX/XX/2022. I was not served until end of XXXX. I had no idea. The list goes on. I need help with this criminal before he takes my life. Thank you please help I am utterly traumatized this past year by all of these events. I dont know anybody I was a XXXX  for 11 years and raised my XXXX daughters. Please help
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (CA)

I would like to dispute the late payment entries recorded on my credit report. These late payments occurred due to a tragic event that impacted my financial management capabilities. The bank associated with these late payments has agreed to remove them in light of the circumstances. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections XXXX XXXX XXXX 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 2024-03-28
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: EQUIFAX, INC. (TN)

I would like to dispute the following items off my credit report : Equifax : XXXX 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 2023-08-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (SC)

On XX/XX/XXXX I received an alert that I had a new collection on my credit report. I saw a company name that I was unfamiliar with, consumer adjustment corp. and an original company as XXXX XXXX XXXX XXXX. I have never done business with this company. This just suddenly appeared on my credit report, and I never received a call or letter from this company in reference to this alleged debt they say I owe. I filed disputes online with the credit bureaus but, this company just updated the balance by XXXX dollar.
Consumer complaint received 2018-10-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates has been repeatedly violating the FCRA by reporting as a " Factoring Company '' on consumer reports when they are in fact a " Debt Buyer. '' On my XXXX report, pulled on XX/XX/2018, PRA is reporting as a " Factoring Company. '' I first noticed the account type being reported on my report after looking through posts online at XXXX. There are numerous people reporting this same issue. PRA is a predatory company with no regard for the law as there are reports of them removing accounts from others reports but still reporting as a " Factoring Company '' on others. How many times does a consumer have to bring this to the attention of CFPB before any action is taken? They have clearly lied about violating the FCRA after proof was provided.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted XXXX XXXX XXXX XXXX on several occasions through out the year. beginning in on XX/XX/XXXX XXXX, XXXX XXXX and XX/XX/XXXX XXXX have been given the run around and the inaccuracies still remain on my credit report.
Consumer complaint received 2023-03-13
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit reporting act. XXXX account # has violated my rights. 

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 an account without my written instruction. 

XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$900.00}, XXXX XXXX {$600.00}, XXXX XXXX {$19000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$2400.00},
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-03-07
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. (CA)

This is my follow-up complaint with my prior complaint dated XX/XX/2023, I want you to validate this reporting account : XXXX XXXX XXXXXXXX Balance : {$880.00} Please check the payment history, date open, last activity, and Status of the listed account I believe it was reported in error.
Consumer complaint received 2023-07-20
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. (NV)

I legally changed my name in XX/XX/2021. I can't get Equifax to update my credit report with my new name. I have submitted the requested documents 4 times ( both via mail and by uploading on the dispute page ) but they are still saying they haven't received the court order. It was mailed with my driver 's license and social security card so it's not possible that they got those but not the court order. I don't want to keep mailing these documents because at this point I have no idea who has them and it would be very easy to commit identity fraud. The XXXX and XXXX have updated this and I just want Equifax to do the same.