davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (FL)

This Account was paid, closed, removed, in XXXX. The last 8 months or so pro collect has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple time. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.
Consumer complaint received 2023-08-19
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. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I recently received a copy of my Equifax credit report, and i noticed some late payments posted on my credit report : XXXX XXXX XXXXXXXX. XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates.

I have not gave anyone written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Consumer complaint received 2023-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (CA)

I am writing the CFPB to inform you of the improprieties conducted on behalf of Affirm Inc, Affirm has no proof of authority written consent or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The CFPB Fair Debt Collection Practices Act was put into place to protect consumers from such trespasses. Affirm Inc is indirect violation of my rights to privacy as pursuant to the bill of rights. Affirm Inc is defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are reported are impacting my ability to attain goods like buying a home, for my personal, family, or household needs. My intent is to seek remedy in federal court. I request that Affirm Inc to cease and desist from all from all forms of communication from all public agencies and corporations including but not limited to all credit reporting agencies and debt collections. I am asking CFPB to investigate this matter and to asset with the remedy of this claim.
Consumer complaint received 2023-07-15
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. (SC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is related to credit card dispute with XXXX XXXX. case number # XXXX. 
So, this dispute in my understanding is a solid case that shall be ruled for the customer, however, capital one again ruled against me after me writing in a rebuttal letter. I seriously doubt Capital one dispute department is investigating any dispute documents. The 1st round of deny was ruled in within 1day after submission of claim, the 2nd round denial was ruled within 3 days of submitting rebuttal statement. Its hard to believe that C 1 ever heard anything from merchant within such a short time frame. 

In contract, i had a similar case submitted same day to XXXX XXXX XXXXXXXX XXXX, and i havent even heard anything from XXXX XXXX on 1st round. Their response isnt as ridiculously fast as c 1. 

this is about on online XXXX XXXX order and before i placed the order, i chatted with XXXX online associate and was told they can price match with XXXX. After i placed order, they told me they cant since its an order that i paid with a {$75.00} gift card from the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  price match guarantee doesnt say customer cant use go to pay for price match order. I only disputed the difference that XXXX  associate supported before placing the order and still got denied. This is an obvious case for merchant agreed credit yet failed, how could I lose this case with solid transcript from XXXX XXXX chat online? 
Capital one support center is not doing any review in my understanding, and ive lost all disputes with Capital one even some cases are obviously wrong on the merchant sides. For example, XXXX dispute case is a returned merchandise with returned shipping label delivered and shows weight 6.6lbs and still couldnt get my money back.
Consumer complaint received 2023-08-15
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. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I have found incorrect information furnished by credit reporting agencies. I have reached out to all credit reporting agencies with the correct information for update. After waiting for months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer. All information reported must be correct according to the FCRA. Please correct this concern, because it has caused great damage. Only one address should appear on each credit report.
Consumer complaint received 2023-08-15
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IL)

The original balance on this account was {$8000.00} and this collection company has been charging me weekly interest and the current balance is now XXXX. The collection company is not allowed to charge interest unless specifically authorized in the original contract. I have reviewed my original lease and it does not state that a third party collection can charge interest on this account. This is in violation of the FCRA and every-time the balance goes up on this account due to interest my credit is negatively impacted. I have tried to dispute this with the collection agency and have had no success. This account needs to be removed from my credit report immediately.
Consumer complaint received 2023-08-15
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. (FL)

This looks deceptive and suspecious being a victim of identity theft my gaurds are up. The accounts have inaccuries as well. XXXX XXXX  # account XXXX XXXX XXXX XXXX account # XXXX both have inaccuries the date last activity are two different dates as well as last reported date, how can these account report different dates with two different activies but all happened the same time. Below i have uploaded documents proving my statement with my report reporting different dates
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I called and spoke to customer service three times, and also talked to their next/final level. The card advertised 00.00 % introductory XXXX through XX/XX/2024 billing cycle on purchases, and on any balance transfers and convivence checks. 

I also asked to speak to a supervisor, I was told their supervisors only do trainings and do not speak to customers ever. Their system is flawed as well as their paperwork. 

When I received and activated the card on XX/XX/XXXX the introductory rate was not on website, instead it stated 21.90 % When I looked at the back of the customer agreement it stated " 00.00 % introductory XXXX through XX/XX/2024 billing cycle on purchases, and on any balance transfers and convivence checks that post to your account by XXXX. '' There was no date given. 

According to customer service after researching ( on phone for an hour ) I had to do the transfer prior to XX/XX/XXXX. However, I did not receive the card by mail until XXXX. They also said I could not transfer till I had the card in my possession. It took over XXXX weeks for me to receive after I applied. 

Their advertising prior to receiving the card and the written USAA Credit Card promotion and agreement when I received the card is very misleading. The paperwork I received has " by XXXX '' which is not a date. But over the phone their customer service insisted the promotion is not connected to my card. 

The company will not allow me to speak to a supervisor nor honor their promotion for a balance transfer/purchases until XX/XX/2024. They stated this is their policy and despite having paperwork that clearly shows no date they claim there is nothing they can do to activate the promotion.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (HI)

I HAVE PULLED MY REPORT AND SAW THESE ITEMS APPEARING THAT I AM NOT AWARE WHERE THEY CAME FROM. I DEMAND THESE ITEMS BE DELETED FROM MY REPORT. BELOW ARE THE ITEMS THAT I AM DISPUTING. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

I am writing to express my deep dissatisfaction with the unresolved matter of the credit card collection under the name " Resurgent Receivables, '' which is currently reflecting on my XXXX and XXXX credit reports. This collection pertains to a fraudulent credit card activity that I reported numerous times and for which I have taken appropriate steps to rectify as per consumer laws and guidelines. 

My efforts to resolve this matter have so far been met with frustration, as the fraudulent charges and transactions made by my ex-partner on my credit report have unjustly impacted my credit history and financial standing. I have diligently contacted both XXXX and XXXX on multiple occasions, providing them with information to prove that I was a victim of fraud and should not be held accountable for those unauthorized charges. 

I have also taken the appropriate measures by filing an FTC report concerning the credit card collection in question. Despite my continued attempts to fix this, I find it extremely disheartening that the negative effects of these fraudulent activities persist on my credit reports, therefore severely affecting my ability to pursue other credit opportunities and financial transactions. 

Under the provisions of consumer protection laws, it is my right to have inaccurate and unjustified information removed from my credit reports in a timely manner. I insist that you take immediate action to investigate and address this issue by promptly removing the " resurgent receivables '' credit card collection entry from my credit reports in a timely manner from all credit bureaus, XXXX, XXXX and XXXX. Failure to do so not only contradicts the fundamental principals of consumer protection but also subjects you to potential legal consequences for non-compliance. 

I kindly request that you provide written confirmation of the actions taken to rectify this situation within 30 days from the date of this letter. I look forward to swift resolution of this matter and anticipate your timely response.
Consumer complaint received 2023-08-15
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: ALLY FINANCIAL INC. (NC)

XXXX XXXX {$3200.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) XXXX {$0.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX- XXXX ( XXXX ) ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I have disputed over the phone and with a rep, I also have provided ftc reports as well. I have ask for the original documents with signed signatures sent to mailing address and haven't received proof of any kind this act is in violation of my consumer law rights
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (KY)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX  XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2023-08-15
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-15
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)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (WI)

XX/XX/2024 To Whom It May Concern : I am writing to express my concern regarding a charge I do not recognize, issued by BMO, to which I have not received a satisfactory response despite my multiple attempts to resolve it in person, as well as through telephone and online communications.

XXXX. Due to work commitments, I travel frequently. Upon returning home on XX/XX/2024, after an absence of XXXX months, I found XXXX letters from BMO in my mailbox. The XXXX  notification, dated XX/XX/2024, informed me of a payment delay on a loan, requesting a payment of {$35.00}. 

XXXX. On XX/XX/2024, I visited the BMO branch at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. There, I spoke with the employee XXXX XXXX ( XXXX : XXXX ). After explaining my situation and showing him the correspondence received, he searched his system and informed me of a {$750.00} charge corresponding to a personal line of credit, alleging the use of a check, which I denied, as I have never requested money nor received checks from said account. Despite his telephone attempts with the bank, only other contact numbers were provided. After about XXXX XXXX, he suggested I make a payment of the overdue amount to proceed with the claim, as he could not access more information in his system due to it being in collections. When I requested to make the payment in branch, he indicated it had to be done by phone. I requested some proof of my visit and disagreement with the charge, but he informed me that it was not possible. 

XXXX. I called the number XXXX XXXX XXXX, as XXXX XXXX had indicated, to make the payment using a XXXX XXXX XXXX account, accepting an additional charge of {$10.00} for the telephone service. 

XXXX. Unsatisfied with XXXX XXXXXXXX XXXX response, I also filed a claim on BMO 's website, detailing my experience at the XXXX and XXXX XXXX. 

XXXX. On XX/XX/2024, I returned to the same branch to follow up on my case, speaking again with XXXX XXXX. When asked about progress, he indicated that there were no new developments but that he would now make a report in the system for me to sign, which I did. When I requested a copy or report number, he indicated that he could not provide it, claiming that this is the established procedure. 

XXXX. The response I received through BMO 's website informed me that I should proceed by telephone. Upon calling the number XXXX XXXX XXXX, after several attempts and without finding a specific option, an employee identified as XXXX ( employee number XXXX ) informed me that, although he did not see any claim registered under my name, he could not process a new one as I supposedly had already made one with XXXX XXXX. He suggested I contact him directly, regretting he could not offer more help.

Given this situation, I respectfully request your intervention to resolve this matter, ensuring that my rights as a consumer are respected and the unrecognized charge is properly investigated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MI)

XX/XX/2023 I made a payment to my credit card account at PNC in the amount of {$220.00}. My available balance was then {$3000.00} after the transaction. Pending transactions + {$1200.00} roughly with the previous balances ranging from a {$4200.00} balance. On XX/XX/2023, I check my account and the balance was {$2600.00} in the available balance. As if I made the transaction twice. I believe they are switching their small amounts with their large amounts, and charging the large amounts last to effectively creating a larger increase ledger in the malpractice of availability on the ledger manipulating of pending transactions on the mobile app.