davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (ID)

This was a rebate gift card from American Express. It was my understanding that they could not charge monthly fees if the account was active and being charged. I have been charged a monthly {$2.00} maintenance fee even though I've been using the card.
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (GA)

I received a copy of my credit report from Equifax and found the following item to be error. 

The following address listed below does not belong to me & must be removed immediately : XXXX XXXX XXXX XXXX, XXXX GA XXXX
Consumer complaint received 2021-05-16
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I recently filed a complaint with the CFPB informing them that the credit reporting agencies are reporting inaccurate information. Within that complaint I mentioned that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were reporting a couple of late payments for the months that I paid on time. I should not have any late payments with either company. I requested for the companies to be contacted and made aware of these errors so that they can correct and update the payment history. Somehow, in the midst of doing so, these accounts were deleted form my credit reports. I specifically typed in my complaint " please do not delete these accounts ''. By these accounts being deleted, my credit score dropped, and the length of my credit history has shortened. I have be unable to obtain new credit. Reading is fundamental, and due to the someone's mistake, I would like for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX begin furnishing information onto my credit report again, as long as they fix the errors. Here are the corrections that need to be made. XXXX XXXX XXXX XXXX. I have written this creditor and have not received a response. XXXX of XXXX *Shows 30 days late, but I paid on time. XXXX of XXXX * Shows 30 days late, but I paid on time. This creditor is also reporting two months of unknown payment history for months that I paid on time ; XXXX of XXXX *Shows unknown, but I paid on time. XXXX of XXXX *Shows unknown, but I paid on time. Please have the creditor correct the payment history of as soon as possible. Lastly, XXXX XXXX XXXX XXXX reporting a late payment for XX/XX/XXXX. I made this payment! The payment status for this account reflects " Paid, was past due 30 days '', please change this to " Paid Satisfactorily '' Thank you so much for your help with this, and please make sure I receive a copy of my consumer report upon completion.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

transunion reinserted fraud accounts removed in credit dispute without 5 day notice they are not mine illegal fraud accounts opened illegally by criminal i sent them identity theft report and they removed then reinserted with out 5 day notice illegal activty by transunion
Consumer complaint received 2021-12-17
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. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I received  XXXX  solicitations from  American Express  in late  XXXX   XXXX  offering  XXXX  miles with  Delta if I signed up for the Gold Skymiles credit card befo re  XXXX   XXXX ,  XXXX  and spent {$3000.00} in the first 3 months. I received the card approval  XXXX   XXXX ,  XXXX  and spent over {$3000.00} by the end of  XXXX   XXXX . I have contacted  American Express  several times most recently on  XXXX   XXXX ,  XXXX  where a back office inquiry was opened and on  XXXX   XXXX ,  XXXX  to follow up on findings. I was informed that  XXXX  miles was all I would receive. I fulfilled all of my obligations to receive the  XXXX  miles according to the  XXXX  brochures I received but can not get an answer as to why  American Express  is denying me the miles.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

This student loan was in a repayment plan up until XX/XX/XXXX when I was told that the remaining debt was considered satisfied for less than the full balance following the plan completion. My parents received collection letters beginning in XXXX for an outstanding balance but I was never directly contacted. When I contacted Aspire Servicing Center about an outstanding balance of over {$1100.00} spanning 3 accounts in XX/XX/XXXX, I spoke with a representative and informed them that I had already paid off the balance following a repayment plan ending in XX/XX/XXXX. At that time, Aspire informed me that their legal team would investigate the account. Upon completion of the investigation, they informed me they would cease collection activities. I did not pay this account off in XX/XX/XXXX since it was already paid off as of XX/XX/XXXX, so the credit reporting incorrectly reflects the account as in a collection status from XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2023-06-14
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. (TX)

In accordance with the Fair Credit Reporting Act : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I called Wells Fargo because someone used my debit card. Ive been sick on and off in and out the XXXX so once I got The alert I called and open claim XXXX which totaled XXXX once the claim was complete the lady told me to review my account once Im able to access my account. After doing so I saw once more transaction for XXXX which went under claim number XXXX because they couldnt update the previous claim she transferred all the information from the claim ending in XXXX to XXXX. I got statement dated XX/XX/XXXX telling me the XXXX was approve but I have another letter dated XX/XX/XXXX telling me the XXXX which is the exact same claim was denied. I called And was hung up on 6 times on XX/XX/XXXX after receiving the letter to get information on how you can approve one claim but not the other when there the same claim.The context from claim XXXX was copied and pasted for claim XXXX. I have XXXX  issues involving a XXXX XXXX which I explained to the rep impairs my memory so I had to write my pin on the back of my card, I just got out the XXXX  on XX/XX/XXXX from a XXXX XXXX then having to call to deal with this process is starting to become stressful. After 2 hours and being disconnected on several times the last rep XXXX told me the claim was denied because the transactions werent posted to my account which is different resolution than what was provided by the XXXX lady I spoke To before being hung up on by a supervisor and the letter. So not only am I being hung I also getting the run around and different information on my claim which is very alarming being theres a disconnection in information being present from a financial institution to their consumers.
Consumer complaint received 2022-11-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2022-11-02
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. (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 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 2022-11-02
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: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX said i made payment XXXX XX/XX/XXXX said i made payment XXXX XX/XX/XXXX said i made payment XXXX syncbXXXX XXXX this syncbXXXX XXXX account isn't mine. I respectfully request to be provided proof of this alleged item, specifically the contract that I signed to open account or other instrument bearing my signature. I disputed these inaccurate items over 35 days ago. Only verification of fake payments by syncb were made not proof of my signature. 

I never made payments because was a fraudulent account look at uploaded credit report picture at payment dates and made payments they are all made on the day i started my dispute. as fake payment active to make it look I paid but i never opened a XXXX XXXX if i did paid them payments aren't showing for XXXX, XXXX, XXXX at the top in red as co. I want this removed for inaccurate reporting to my credit report
Consumer complaint received 2021-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have reviewed a copy of my credit report and I show company XXXX & XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

I originally submitted a complaint through CFPB, which shows to be closed due to being forwarded to FTC ( CFPB Report # XXXX ). Included in original complaint was the debt collection agency, XXXX  XXXX XXXX ( CFPB Report # XXXX ). 
Information from CFPB advised " Company 's Response : The subject account was recalled from XXXX by XXXX the day this complaint was received. XXXX had previously provided Ms. XXXX debt validation. XXXX is no longer handling the matter, however has advised XXXX of Ms. XXXX XXXX continued dispute. Pursuant to the account recall, has requested removal of the account trade-line from Ms. XXXX XXXX credit history. '' Since this time, I have received multiple phone calls, and multiple letters in the mail, from Source Receivables Management ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. XXXX ) in reference to this same debt/issue. I have explained the situation to all of the representatives who called, and it has done nothing. 

Original complaint info : " Original complaint info : " Approximately 2 years ago, I opened a no contract, pre-paid, cell phone account through XXXX. It was pay as you go, paying PRIOR to using service. I paid for the first month, prior to using the service, and it was verified, multiple times, through the company representatives, that if I wanted to continue service afterwards, I would pay first then have service, if I did not want to continue, I simply did not pay and I would not have service. After many issues during the first month, I decided not to continue using XXXX, and prior to the end of that first month, switched over to another company. I then started receiving bills from XXXX, saying I owed for a month of service, which would have been for the 2nd month that I did NOT use. I spoke with them over the phone and by email, but continued getting bills. I then noticed it had been reported on my credit. Somewhere around XXXX of XXXX, I reported this issue with the credit bureau. They decided in my favor and XXXX was forced to remove the collection from my credit. Then, around XXXX of XXXX, I again started receiving mail and emails from XXXX XXXX XXXX  stating they were a debt collection company contacting me to collect a debt on behalf of XXXX, successor to XXXX. I used their complaint portal, on their website, twice now, fully explaining that I do not owe this debt, it was for service that was never used on a no contract, pre-paid, account, and that it was already removed from my credit once due to this. After submitting the emails, both times, I never received any messages from them, but have STILL continued to get inundated with emails and mail stating I owe this debt. I have spent so much time dealing with this one issue, for 2 years now, for something I didn't use and do not owe!!! I would like it stopped!! ''
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

I have sent Credence Resource Management the Federal Trade Commission Identity Theft Report, Report Number : XXXX, and XXXX 's filled out and signed copy of their Fraud Management Form as proof that i indeed was a victim of Identity Theft and multiple accounts were opened in my name. I was never given a full account number from XXXX XXXX nor Credence Resource Management.
Consumer complaint received 2021-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC (GA)

On XX/XX/21 I submitted a complaint regarding JHPDE and the reporting of information due to me being impacted on my credit reports. I was a victim of identity theft. I accept their response and I look forward to them clearing it up I appreciate that. The only thing is their response didn't include them stating that they will have the negative information deleted from from my credit reports. 

CFPB XXXX Can they please advise the removal from my credit reports as well. If it's what they meant with the reply to stop the collection etc ... can the please advise? 


They have reviewed my my previous documents and agreed.
Consumer complaint received 2022-11-02
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: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} this account has had fraudulent charges made on it going back to XXXX fight to get fixed. 
asked them for records for the charges they wont help. they added fake payments to the account making it look like i used it. then sold to debt collection service. 
I have proof look at uploaded credit report picture the account balance is the same after fake payments and fake dates of payments fraud want this syncb/amazon account remove for inaccurate reporting on my credit report syncb is doing fraud syncb/amazon
Consumer complaint received 2021-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is responsible for violating multiple of my rights according to the FDCPA. I have sent Portfolio Recovery a notarized Affidavit of Truth with documented proof of their violations according to the FDCPA. According to 15 USC 1692B and 15 USC 1692F this company has repeatedly violated me and I am well within my legal rights to sue this company due to their repeated refusal to comply with the Federal laws they are obligated to abide by. After sending my Affidavit I received another phone call from an agent of this company attempting to collect this alleged debt, which is another violation.
Consumer complaint received 2021-05-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I contacted Nissan ( NMAA ) in regards to my lease. Nissan sent my registration for my lease by mail on XX/XX/21 and did not arrive to my home until XX/XX/21. The registration on my lease had already expired. Due to Nissan mailing it late, I incurred an additional fee at the DVM. I contacted on XX/XX/21 to file a complaint at Nissan and was told I would receive a call back. XX/XX/21 I called Nissan back to follow up why I didnt receive a call back since it was unfair I was charged an additional fee to pay online to the DMV. Nissan told me they do not do anything with complaints and told me oh well the additional fee they caused due to sending the registration late they would not do anything about and my problem. The representatives at Nissan not only dis not take a complaint seriously, but didnt care I had to pay more in registration cost. I was promised again for a second time a supervisor would call me back on XX/XX/21 which never happened. I fee discriminated and completely unacceptable that I paid an additional fee to the DMV for my registration due to Nissan not caring any causing me harm. I would like someone to look into this matter since I am getting nowhere with Nissan and no one cares.
Consumer complaint received 2021-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MS)

There was a fraudulent account opened in my name through XXXX sometime around XX/XX/XXXX. I called XXXX about the fraudulent account and they were making it difficult to resolve the issue. With no other option I disputed the debt with XXXX credit and they deleted the fraudulent account from my credit report. On XX/XX/XXXX XXXX sends the account to Convergent Outsourcing for collections after XXXX deleted the fraudulent account. Convergent Outsourcing mailed me a notice of the collection a few weeks ago. I called them told them to stop harassing me since account is fraudulent and XXXX deleted the fraudulent account. Convergent Outsourcing has filed a debt collection on my credit report pertaining to the fraudulent account.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (NC)

I have had approximately {$10000.00} in an interest account in BlockFi for over a year. As a result of ties with XXXX, they are pausing my transfer from my XXXX in my BlockFi digital wallet to my external digital wallet. Please help.