davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-16
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. (MI)

I reviewed my Consumer Reports and noticed that I had 24 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-11-13
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. (NC)

Reporting information that is misleading and unverifiable. If you are going to " verify information come with proof and follow guidelines of the law. Under 15 USC 1681i ( 7 ) Method of verification I as the consumer is supposed to receive the steps they took to verify my disputes and they failed to do that.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (MA)

on XX/XX/19 I was contacted by Credit Protection Association L.P ( CPA ) using an automated robo call.  The call itself was news to me since I had not received any notification in the mail of any debts owed. The call was also highly suspicious due to there being 1+ minute long pauses in between information being said. 

I called the number back and found out that XXXX XXXX had sent my account to collections. After I found out the information I needed to I told them not to contact me again or I would take legal action. 

I immediately called XXXX XXXX to ask what was going on, since I had an agreement ( or so I thought ) and payments were being made each month to pay down the balance. At this time I also paid the balance off in full directly to XXXX XXXX and requested a letter that showed this. The letter was sent the following day on XX/XX/19. 

I followed up with CPA telling them that there was no longer any money owed to XXXX XXXX, and that I am requesting that they remove all information they have about myself from their system. The refused. 

I spoke to someone in client services at CPA and was told they would call XXXX XXXX right now to confirm the payment and would call me back, neither of those things happened. 

A few days after the 24th a letter finally arrived notifying me of the debt, which at this point had already been paid. I disregarded it as I was still waiting at this point for the woman from client services to call me back and I had a letter from XXXX XXXX telling me it was paid. 

Fast forward to today XX/XX/19 and I have received a second letter from CPA identical to the first. The first one is dated XX/XX/19 the second XX/XX/19, They send a second letter to me before I even received the first one.

So I called CPA back to speak to someone about why they still have my information in their system and why they have sent me this second letter that they sent out a day after the debt was paid. I asked to speak to a supervisor and they transferred me to a phone line that rings once and then just stays open on the other end. This happened to me 4 times. They had no real intentions of dealing with this situation. 

I finally got a hold of a supervisor name XXXX, who I have spoken to before. Instead of giving me any answers he just referred me to their legal department ( as he had done previously ). However from the first time I know that their legal department is just one person named XXXX. When transferred to her it always goes to voicemail. 

Today I was able to get a hold of XXXX I had the operator keep me on hold until she could get her for me. XXXX however did not want to answer questions and told me that I should be worried about paying my bills on time. This was quite rude as she does not know what has or hasn't happened with my bills. She then told me that my Girlfriend left me and that I was destitute, again XXXX doesn't know anything about me so why would she say that? I asked for her bosses name and she refused.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NATIONAL CREDIT SYSTEM XXXX Balance {$3100.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-05-21
Product: Credit 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: AMERICAN EXPRESS COMPANY (NY)

The XXXX ( XXXX ) charges made by XXXX XXXX on XX/XX/year> are all in dispute and will remain in dispute. I will not be paying these charges. I will deduct them from my payment and these items will remain in dispute indefinitely. 

You are not to pay XXXX XXXX under any circumstances. 

Jet blue XXXX contact me directly from this point forward. 

Jet blues response to American Express is fraudulent and omits the facts in an attempt to overcharge the consumer. 

The reason the charge occurred was because their computers were not working and the XXXX XXXX employee took my card and did something and I explained to them my tickets included the only bags and the same bags we checked to the XXXX and returned with. The XXXX XXXX counter check in employee took over and she said she saw that my bags were in fact included as I stated ( we flew there from XXXX and they got it right ) and she said she credited them back to me realizing the error. I showed her the email that I already paid for the bags. She said they were having problems and I would receive the credit. 

Then my bill showed XXXX XXXX did not credit me. XXXX XXXX overcharged me by billing me again for the bags I already paid for included in my itinerary XXXX. This act of overbilling initially seemed like a mistake on their part, however XXXX Blues actions since that time seem to indicate they intentionally overcharge, overbill, and then attempt to conceal the facts in order to retain the overcharges. This manipulation of business documents to seek financial gain is simply unacceptable and may be considered criminal act. 

Our invoice and XXXX XXXX Website at the time of purchase showed our bags included in the ticket price we paid, we only checked XXXX bag each for XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

I will not under any circumstances pay XXXX XXXX for these charges. American Express will credit me for the {$130.00}. If XXXX XXXX wishes to continue the dispute they can do so directly with me, American Express is prohibited from allowing these to be placed back on my statement. 

A copy of this is being furnished to CFPB and the XXXX XXXX Attorney General. 

Settlement will be accepted only if XXXX XXXX credits in the full the XXXX {$45.00} charges ( {$130.00} credit total ) and in addition due to my inconvenience of over XXXX hours on phone calls with XXXX XXXX I bill at $ XXXX for my time, I want XXXX XXXX to credit me {$550.00}. 

I will not pay these charges on my American Express XXXX even though I normally pay my bill in full every month I will deduct the charges and American Express is prohibited from charging me any fees, late fees, or interest as a result of the fraud by XXXX XXXX
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct the following erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

I financed a car with Start Auto Finance. According to the document, loan amount was for {$22000.00}. I started making payments on XXXX and its now XX/XX/XXXX and yet have they updated my credit file with those payments. 
In addition, according to my credit file, it reflects that the balance owed is {$45.00} more than initially loaned. 
Ive inquired with the company on multiple occasions but never got a answer as to why. When I went to make my last payment, first week of XXXX, I asked the receptionist if I can speak with someone regarding the credit reporting in which she had a conversation by phone with someone else and eventually told me theres no one that can assist me. I asked for a supervisor or manager and was told no one was there. I asked for a number and given one only for that to be directed to the receptionist. Thats very unprofessional.
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I received this voice mail ... This message is intended for my name. I received the fax order regarding a complaint that was filed against you. I have been retained to serve you with documents to appear at either your residence or your place of employment. If you have any questions or concerns about the complaint or wish to rectify the matter you can hit any key on your phone to connect to our office directly or call us at the following number XXXX. When calling please reference file number XXXX****. You have officially been notified. 
This is my former married name. I called the number back and the person stated they were representing Fifth Third Bank and the charges were Breach of Financial Contract and some type of Fraud. I advised I had an Attorney as this was under a bankruptcy and the call ended abruptly without any information being shared regarding this. I called back and asked to confirm the information that was told to me and a gentleman answered and responded with " since you know everything I really should n't have to tell you anything. '' I shocking said " what kind of business is this? '' He replied " again ma 'm, since you apparently know everything do n't you need to tell me what kind of business this is ... i do n't need to tell you anything '' and hung up on me. Absolutely shocked I immediately called back and talked to the original person I talked to the first time and confirmed the " charges '' that were to be put on me for this debt and again informed this person this was under an active bankruptcy and i have an attorney and reminded him of the law. I also asked him what the name of his business was and all he would tell me is the Law Offices of XXXX located in Tennessee. That 's all he would tell me. My initial findings is that business does not exist and i do not think this credit collections company is legitimate as after talking to my Attorney he informed me the company handling this particular debt is in New Hampshire and it 's not this company. This, along with many other scam artists like this, are using scare tactics to prey on people to take their money illegally. This needs to be stopped ... XXXX by XXXX.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Hi, I mailed in disputes stating that Portfolio Recovery Associates was reporting incorrectly on my credit Report. They are listed as a Collection Account however, they are reporting inaccurately stating, I have a past due balance and that I am 120 days late. They state these are collection Accounts, correct reporting should state unpaid collection. These accounts continue to report inaccurately and have a detrimental affect on my credit. I am requesting that they be removed from my credit reports from each of the three credit bureaus.

Here is a list of the accounts reporting incorrectly. 

Portfolio-XXXX XXXX Portfolio-XXXX XXXX Portfolio-XXXX XXXX
Consumer complaint received 2019-07-24
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. (NC)

XXXX XXXX performed and unauthorized inquiry on my credit on XX/XX/2018. They issued a letter stating the inquiry would Equifax has not removed it so I am filing a complaint against both companies.
Consumer complaint received 2022-12-16
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct the following erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capita One credit card. I was not using the credit card. Unfortunately there was an recurrent charge that applied to the card that I was not aware of. Later I called for waiver and make the payment. Agent told me he placed an case to review the request on XX/XX/XXXX. later I didn't receive any update on the request. I also see agent did not make the payment that was due on XX/XX/XXXX. Again imposed another late fee.
Consumer complaint received 2020-12-17
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. (FL)

Hello, I am writing this letter in order to clarify the situation where I do not recognize none of these accounts. Please check it and remove as maybe somebody used my name or my personal data. I do not know how they appear in my report.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$76.00} XXXX XXXX XXXX XXXX  : {$810.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXX  : {$640.00} XXXX XXXX XXXX XXXXd : {$930.00} XXXX XXXX Balanced XXXX : {$410.00} XXXX XXXXXXXX XXXX XXXX : {$620.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-05-20
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)

In the accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX  Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-24
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: DISCOVER BANK (NC)

Discover Financial performed and unauthorized inquiry on my credit on XX/XX/2018. They issued a letter stating the inquiry would XXXX has not removed it so I am filing a complaint against both companies.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (RI)

I had an unauthorized transaction debited from my personal checking account with XXXX XXXX XXXXXXXX on XXXX. The company called Cash App  whom I have never done any transactions with nor have I ever had an account with them received my my debit card information illegally from XXXX of their customers whom holds an account with cash app. Their customer service dept has been difficult to deal with. I was able to obtain some information from XXXX of their agents whom had advised that the transaction was initiated on XXXX at XXXX eastern standard time. The individual was located on XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX The receiver of the funds is XXXX XXXX. I have been unable to receive any responses from the company. My bank is only willing to refund me for the $ amount but is not willing to investigate further. I wish to file a police report but I need the details of the trace in writing from the company Cash App in order to file a report. As a victim of a crime I feel I have the right to pursue charges of theft against my personal checking account. I am requesting that the company Cash app be required to forward this information on to my local law enforcement for further investigation