davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

In XX/XX/ 2023 I reviewed a copy of my credit report and noticed an account from this company that i do not recognize. They are alleging i owe them money but yet have not provided me with any type of proof that this debt actually belongs to me, there is absolutely no contract between me and this company. In addition they are reporting to my consumer report without my authorization, and this erroneous account is affecting my credit worthiness and ability to obtain a home loan. I am devastated because I need to be able to purchase a home so that my ill XXXX mother can move in with me, I am the only person she has left. This company has not proven this debt belongs to me which is a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They are defaming my character and violating 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. You are harming my reputation with the alleged debt. Also 15 U.S. Code 1692j - Furnishing certain deceptive forms. Because of these violation i reserve the right to pursue legal action as outlined in 15 U.S. Code 1692k - Civil liability. I do not recognize this account and believe this to be an error, this company needs to remove from my credit report or provide me with proper validation as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2020-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

In XXXX I filed my taxes. I made a mistake on the account the refund was to be sent too. The transfer occurred on XX/XX/XXXX. The refund was sent to JPMorgan Chase under routing number XXXX. The account number the transfer was too was a 15 digit account number which did not exist. On XX/XX/XXXX I contacted my tax preparer and was told not to worry. The process would be that Chase would reject the transfer and return the money to the IRS. The IRS should return the funds to me via paper check and let me know if the error. Then COVID happened. Fast forward to XX/XX/XXXX and I still did not have a refund. I contacted chase ACH team at XXXX. They confirmed they received but could not confirm they returned. After 8 hours they recommended I open an account and they could help route the money. I am not willing to do. The key point. Chase confirmed they had the money. The account t was invalid and they would not return until the irS explicitly requested. I have submitted a case with the iRS and am waiting the 90 days for the review. But chase is actively keeping my cash from me and will not speak to me.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am disputing a late payment with my mortgage company, XXXX XXXX. XXXX XXXX and Equifax are reporting 30 days late for XX/XX/XXXX. During this year, I was getting paid once a month as a contractor, and I would make all my payments before the end of the month. 

For XXXX, I filled out an automatic payment form because I was traveling ; however, I noticed that on XX/XX/XXXX, the payment still needed to be posted to my account. I tried to pay online, but it wouldnt allow me to do so without including past-due late fees. On XX/XX/XXXX, I called immediately when I landed at XXXX XXXX I explained everything to a representative, and she put me on hold, and the call dropped. I called right back and received a voicemail saying the office was closed - I tried three more times and received the same message. 

On XX/XX/XXXX, I called first thing in the morning and was advised they were having phone issues. The representative told me she would take my payment and that it shouldn't be reported late because of their phone issues. However, she suggested that I monitor my credit report for any changes and that my late fee would be refunded. 

I want the late payment to be revered to ok or paid as agreed because the above was not my fault. 

Under : 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to formally dispute an inquiry that appears on my credit report. Upon reviewing my credit report, I noticed this inquiry, which I believe to be incorrect or unauthorized. I have no recollection of initiating any transaction or applying for any services with the listed creditors.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Upon reviewing my credit report, I noticed this inquiry, which I believe to be inaccurate/unauthorized. I have not authorized any entity to make this inquiry nor do I have any recollection of engaging in any activity that would prompt such an inquiry.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

I AM VICTIM OF FRAUD.MY CREDIT HAS BEEN STOLEN FROM ME, MY ENTIRE LIFE. IT WASNT UNTIL I GOTTEN OLDER, THAT I START TO UNDERSTAND ABOUT THE RESPONSIBILITY ABOUT CREDIT AND I STILL HAVE NO BIG CLUES.I WANT THE FRAUDULENT ITEMS TO BE REMOVE AND TO KNOW WHO OPEN THESE ACCOUNTS UP AT WHAT LOCATION OR IP ADDRESSES.I AM ALSO REQUESTING MOST OF ALL, THAT THE FRAUDULENT ACCOUNTS AND FRAUD ITEMS BE REMOVE FROM MY CREDIT REPORT, ASAP, ACCORDING TO THE FAIR CREDIT REPORTING ACT SUCSECTION 605B, ANYTHING THAT I BELIEVE WAS POSSIBLY FRAUD MUST BE REMOVE, IF I REQUEST IT. I DONT BELIEVE, I KNOW 100 % A FACT. PLEASE MAKE THESE CREDIT BUREAUS REMOVE THESE ACCOUNTS. XXXX NEVER EVEN DID A BLOCK, THEY INSTEAD BLOCK A SINGLE INQUIRY. I HAVE ABOUT XXXX ACCOUNTS THAT IS FRAUDULENT AND SOMEONE IS USING XXXX OF THE ACCOUNTS AS WE SPEAK, THATS A XXXX XXXX XXXX XXXX.ALSO IF THEY VERIFIED THESE ACCOUNTS BEFORE THEY EVEN REMOVE THESE ACCOUNT UNDER THE FCRA 605B, THEN I WILL WANT THEM TO EXPLAIN WHAT LAW AND CASELAW PROVIDES THEM TO DO THAT.
Consumer complaint received 2023-05-27
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. (AZ)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortioXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00}.
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (CA)

I called Ally Bank, they instructed me on how to wire money to XXXX XXXX XXXX on XX/XX/2020. I paid for an exact payoff quote from XXXX XXXX for XX/XX/2020 and sent that amount via wire at Ally Bank. I watched my bank account all day. I called in the evening and was told it would be sent by the close of business today. It was not sent. I called in the morning still not sent. I called XX/XX/2020 to inform them that the amount of the wire is insufficient to cover the cost of the loan payoff, they told me if I change the amount they would have to delay the wire another day or two.It has been 25 hours since I scheduled this wire and the money has not been sent.
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with with JPMorgan Case Credit Card
Consumer complaint received 2020-04-14
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. (TX)

I have a previous complaint number XXXX, XX/XX/20. I received a letter from Tran Union on XX/XX/20, it was a form letter with their " canned answers '' as to their actions taken. Which did not correct my 3 agency credit report. It was their dispute file # XXXX. 
The balance due shown on my three ( 3 ) credit agency report still shows a installment balance due to XXXX of {$16000.00} and monthly payments of {$570.00}. On the Trans Union report if I just look at their one report ( not the 3 agency report ) it shows the Installment loan XXXX XXXX balance XXXX which is correct. Obviously what they can not understand is it is the information on 3 agency report which does not show the installment balance at XXXX. 
This not rocket science, a XXXX year old could understand the problem. I think someone in authority at Trans Union should call me XXXX or email me XXXX to discuss the problem if they can NOT understand. 
I have copies of all of this off Trans Union website however, I can not get it up loaded to my dispute ... they make this very difficult plus when I tried to call I was ON HOLD again for more than 1 hour with no answer ... so I had to hand up. This is totally ridiculous. Please advise what my next step would be to get TransUnion to Correct my report, Can I sue them? 
Thanks, XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

This company is practicing willful non compliance I have contacted this company several times by certified mail detailing this company is illegal and wrongful practices. My rights have been violated on several occasions from this company. This company has furnished data on my consumer report related to several accounts that I have already communicated to them is incorrect. This company is also responsible for furnishing negative negative and derogatory remarks on my consumer report. I have written this several letters and documents. I have filed complaints with the consumer. Financial protection bureau I have done FTC affidavits and still this company has refused to remove this information. By law they have 30 days to respond to me in detail their explanation for furnishing this data now that it has been several months later, I have still never received any proof of validation Nor have I received an explanation as to why they continuously furnace this negative data on my behalf without me ever giving them any permission. 

The negative accounts on my consumer report are as follows : XXXX XXXX XXXX Account Number XXXX Updated XX/XX/XXXX XXXX, XXXX Payment Status Charge-off Bad debt/collection Balance {$130.00} Credit Limit {$170.00} Credit Utilization 75 % 30 days XXXX XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Account status Open Balance {$430.00} Balance updated XX/XX/XXXX Original balance {$430.00} Company Name XXXX XXXX  Account Number XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 24 Months Scheduled Payment {$0.00} High Balance {$720.00} 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late XX/XX/XXXX The laws that have been on my consumer report as followed : 16 CFR 444.1 16 CFR 433.2 16 CFR 313.7 15 usc 1681 15 usc 1666 15 U.S. Code 1692g 15 U.S. Code 1692j 15 USC 6809 18 USC 894 l, 18 USC 242.

The Privacy Act of 1974 I demand compensation for these continuous violations of my rights and my consumer laws. Which I am entitled to based on the law and codes designed to protect me the consumer.

This is a case of willful non compliance 7 CFR 205.662 49 CFR 241.15 2 CFR 200.339
Consumer complaint received 2024-03-20
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. (CT)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (GA)

I recently became a victim of identity theft and I was informed by the Credit agencies that I needed to get a police report and an identity theft report from the federal trade commission as well. XXXX of the accounts in dispute was a XXXX XXXX  account with the account number XXXX. This account was removed once I submitted my police report and identity theft report about XXXX weeks ago. Today it was placed back on my account. I called experian and informed them the account was not mine and had already been removed and by law they cant place it back ones its been removed. I spoke with a representative named XXXX in which he stated XXXX XXXXXXXX place it back and I am unable to dispute it or have it removed. He stated it is permanently on my account. Even though I submitted my police report stating Ive been a victim of identity theft he stated they are not going to touch it. I asked him how is possible he stated thats just how it is. XXXX XXXXXXXX wanted it back so thats that.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

XXXXXXXX PayPal closed my account for no reason and trying to steal my money.

If i contact support they just say the same thing over and over again and doesn't listen to me.

PayPal is famous for doing this.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

They say I'm eligible for a deferred payment and they want to get me back on track but they only give you XXXX weeks then want to do automatically payments on debit card then XXXX  days later want another payment automatically taken out how's that helping. Then there charging outrageous late fees XXXX 
I've already paid over XXXX in interest for a XXXX loan but I'm a good customer bought XXXX motorcycles from them when they ran the kawasaki credit  card paid outrageous interest on them too. 
The first XXXX  years is just pure interest on this car loan then next XXXX is for car And only a XXXX discount if paid off on remaining balance? How is that possible? 
They need to be investigated. 
Unethical business practices.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 2022-11-05
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. (MS)

15 U.S.C 1661 states that NO credit reporting agency can report an open end account as late for an purpose or for any reason XXXX XXXX XXXX XXXX XXXX Is being reported as a late payment and should not be reporting as such 15 U.S.C 1681 SECTION 602 A. states I have the right to privacy 15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without written instruction XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS reporting Incorrectly on my credit profile -DATE OPEN does not match with other bureaus -LAST REPORTED does not match with other bureaus -DATE LAST ACTIVE does not match with other bureaus.
Consumer complaint received 2020-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

My name is XXXX XXXX XXXX & i had deposited my unemployment check which was {$2200.00} with Huntington Bank. I opened my account on XX/XX/XXXX which naturally there was a hold place due to new accounts but the date for my funds to be released changed 3 times from XX/XX/XXXX to XX/XX/XXXX then XX/XX/XXXX which i received a letter stating it will be available for withdrawal on that date but now im being told that they will get back to me when XX/XX/XXXX will be the 5th business day. I also have other family members that has had a hold on their account for 1 month to 3 months with the same state treasury checks. Ppl need to pay bills and this bank is being ridiculous. I have never had a bank account before so my daughter tried to help me so we have a joint account so there is nothing but issue on top of issue
Consumer complaint received 2020-04-14
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. (GA)

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX-XXXX  XXXX, XXXX XXXX XXXX, XXXX-XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is in accurate as well. I have requested to have my addresses, phone numbers and names corrected on my report as this is a violation of my consumer protection right.
Consumer complaint received 2022-12-14
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. (FL)

I am intrested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid information that is hindering my report. please update my credit file correctly.