davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (TN)

Franklin Service , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Toll-Free : XXXX Client Services : XXXX XXXX XXXX XXXX is original account holder. This account was settled XX/XX/2020. This Franklin Services is trying to collect from an already settled account in which I have a receipt from the XXXX XXXX for equipment I returned. Franklin collections is the 3rd. company I have had to dispute this with on my credit reports. It comes off my report then returns with a different collection 's agency. I am retired and tired of having to deal with this.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00}
Consumer complaint received 2023-10-04
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: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/2023, I submitted a verbal detailed dispute to CHASE VISA claiming failure of XXXX XXXX to repair my girlfriend 's car AC system on XX/XX/2023 and charging me {$1200.00}. XXXX XXXX submitted only the invoice and did not respond to my allegations of " bait-and-switch '' of compenents and failure to answer our many attempts to contact them the day the system failed or any time after that, including in their responses to CHASE. CHASE XXXX did not agree with me and on XXXX XXXX, 2023 I sent CHASE XXXX a detailed letter with many exhibits showing costs incurred and the fraudulent placement of a re-manufactured AC compressor in the car instead of a new one which XXXX and I had agreed to. I also provided proof of XXXX ignoring our phone calls, messages, and emails as well as proof XXXX over-charged me for the re-manufactured compressor. The compressor installed failed 4 times. 
Incredibly, CHASE XXXX still did not support me so I provided CHASE XXXX with another letter on XXXX XXXX, 2023 detailing the VISA Core Rules and Visa Product and Service Rules ( Policy # XXXX, dated XX/XX/2023 ) and CHASE XXXX still will not support my claim for failed service and fraudulent behavior. And this time on XX/XX/XXXX, the CHASE XXXX person who called me to deny my claim had no knowledge of the complete record including all my costs to fully repair the AC system and rental car while the car was in the shop being repaired, XXXX 's refusal to talk or message with me, and denied the results of my previous XXXX conversations on XXXX XXXX and XXXX with other CHASE XXXX staffers including a Dispute Supervisor. When I asked for specific details of CHASE XXXX 's decision, this staffer hung up on me.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (GA)

COMMENITY CAPITAL BANK IS STILL REPORTING ON CREDIT WHEN ACCOUNT WAS PURCAHSED BY ANOTHER LENDER KNOWNING AS XXXX XXXX XXXX C/O XXXX XXXX SERVICES WITH INCORRECT AMOUNT.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and DELETE them immediately from my report 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 2017-07-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS XXXX AND XXXX REGARDING USAA FEDERAL SAVINGS BANK WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT USAA FEDERAL SAVINGS BANK 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A USAA REPESENTATIVE DATED X/X/2011.
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

There are several instances in which cashapp has approved multiple transactions to be flagged as fraudulent and done absolutely nothing to rectify those transactions but instead they've closed my accounts and told me it's my fault and further added insult to injury.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. This the second time Ive asked for a response concerning this matter on ( XX/XX/2021 ) I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2019-06-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: WINN LAW GROUP, APC (CA)

I borrow a loan from beneficial it is amount of $ XXXX.in XXXX I refinance my house in XXXX XXXX XXXX paid off that loan. I have a lien against this loan on my house from Winn Law group, XXXX XXXX XXXX XXXX. I want to them to remove the lien it is for {$19000.00} lien. I can afford to pay that lien and it was paid off through XXXX   XXXX in XXXX. This shouldve never be on my record and this ruin my credit I am having a hard time refinancing my house because of this lien. I have called Winn Law Group they said theyre working on it but since last 5 month they have not done anything to take care of this problem and Im about to lose my house. my ex husband is taking me to court to make me to sell the house if I sell the house my daughter and I have no place to go except to being homeless.
Consumer complaint received 2022-05-26
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. (MN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2017-07-10
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FORD MOTOR CREDIT CO. (TX)

Ford Motor Credit continues to contact me at a work number that I have asked to not be contacted at, as per the company that I work for does not allow personal phone calls. XX/XX/XXXX - I spoke with XXXX as he called my work phone number. I advised XXXX that I was not allowed to have personal calls at work. XXXX informed me that we ( my husband and I ) are behind on our account, and he was calling to collect a debt. I advised that I can not have personal calls at work, and that he would need to call our cell phone. XXXX stated that my work number would be removed. XX/XX/XXXX - Spoke with another agent XXXX, as they called my work line. I immediately advised that the number they were calling was to be taken out of the account as it was a work number, and I am not allowed to have personal calls on that line. XXXX informed me that we ( my husband and I ) are behind on our account, and he was calling to collect a debt. I advised that I can not have personal calls at work, and that I have asked to have the number removed. XXXX stated that my work number would be removed. XX/XX/XXXX - XXXX from Ford Credit called my work number and had spoke with a co-worker letting my co-worker know that she needed to speak to me that she was calling for a personal matter. I immediately asked why they were calling my work number as I have asked twice that they not call since I can not have personal calls at work. I was told that she was unable to reach my husband on his cell phone so they could call me at work. I advised that this was against the law since I have already asked twice for my work number to be removed and my request have been disregarded. I did let the representative know that I will be sending a complaint and asked that my work number be removed. The representative stated that she will remove my work number.
Consumer complaint received 2017-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit score is very low XXXX. I have had several lenders look at it and they have no explanation on why it is so low. They tell me the data on my report does not represent a score in the XXXX. I have no late payments in the last 4 years. No collections, bankruptcy or public records. I want to know why my score is giving me a black eye.
Consumer complaint received 2017-07-10
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. (CA)

XXXX   XXXX ,  2016 I used Equifax automate d system to dispute  XXXX  instances of a late payment. I tried several times to follow up : by phone, by email " direct link '' and by forums for people who are coping with how to deal with Equifax. Every phone  call  leads to a loop : you 're directed back to the website. There website is never updated. There is no option to leave a voice message. There is no option to speak to a live person. There is no way to get through. I just want an answer to my confirmation number  XXXX .
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

I was notified via letter ( Credit Collection Services ), on XX/XX/21 about an account that was opened in my name for XXXX XXXX XXXX in the amount of {$440.00}. I informed them that i never ever had a XXXX or XXXX account. They suggested I contact XXXX, which I have done. CCS since then have reported this bogus account in my name to the credit bureaus. I am now in the process of filing a fraud/theft claim with XXXX.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (NY)

On XX/XX/19 I received a pre-approved credit card offer in the mail from Aspire Mastercard ( Acceptance Code : XXXX ). I completed the acceptance application online the same date, but when I saw that this company charges over {$200.00} per year in in annual and maintenance fees, I immediately called Aspire minutes after completing the application on XX/XX/19 ( XXXX ), spoke to XXXX XXXX ( ID # XXXX ) and requested that my application be cancelled. XXXX XXXX informed me that she processed the cancellation of my application, that it would not affect my credit, and that I had to call Customer Service ( XXXX ) after XX/XX/19 to confirm the cancellation on their end. On XX/XX/19 @ XXXX EST, I called Aspire Customer Service XXXX spoke to XXXX , who staetd that she did not see where the application had been cancelled. XXXX put me hold several times, initially stated that the account would be closed, then when I asked why would this be processed as a closed account when I requested that my application be cancelled on the very same day, and an account was never opened, she placed me on hold several times, and gave conflicting information on whether the application would be cancelled. XXXX stated that she was submitting a " request '' and that I would receive a letter in the mail in 7-10 business days. When I asked about this application not having a negative report on my credit, such as a cancelled credit card, she said that she would put in a request that would take 60-90 days, but it was not guaranteed. There was a clear language barrier with XXXX, when I asked where she was located she initially lied and said XXXX, Ga, then said they were located off-shore, and did not have access to transfer me to someone in the United States. I asked to speak to a Supervisor, spoke to XXXX ( ID # XXXX XXXX, who stated that he will request to stop creation of account, and to disregard application, and will send special request not to send negative report to credit bureaus. He agreed that I was correct that the account has not yet been created. XXXX also stated that he could not guarantee that any of this will happened. When I asked if he could escalate this request, he said that account is automatically created within 2 business days, but he could not guarantee that he would contact the proper department to stop the account from being cancelled tomorrow, Monday, XX/XX/19, prior to it being created on Tuesday, XX/XX/19. XXXX, a supervisor, stated that he does not have authority to escalate issues. I also asked that he contact his manager to intervene and have application cancelled. I do not want this company to be able to place a negative report of a closed credit card account on my credit report as I never had an open account with them.
Consumer complaint received 2022-12-19
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. (CA)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PR)

On XX/XX/XXXX an account was reported on Equifax to an account of a loan not belonging to me opened in XXXX, the same date as another fraudulent account reported by me and removed from report. The account belonging to XXXX XXXX XXXX.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The following is a letter sent to bank of america : Mortgage Number : XXXX XX/XX/2022 Recently we received notices from the credit bureaus that Bank of America reported a past due balance on our mortgage loan. The amount noted as past due is {$130.00}. 
Our loan has been on a repayment plan for the past 4 months starting in XX/XX/2022 through XX/XX/2022 and have honored the plan paying {$580000.00} each of those months. Not once were we notified that {$130.00} was past due!! What is the past due amount for? 
This action by your institution has caused significant damage to each of our credit ratings. We would like to come into XXXX of your branches to speak to someone in person about this situation and find a solution to correct the error. Further XXXX and XXXX XXXX have not lived here for many years and have not been nor are they currently responsible for repaying this mortgage. To date your bank has refused to remove their name from the account. To reiterate your action to prematurely and incorrectly report us to the credit bureaus without just cause and without prior notification to us that any balance was due has had an immense damage to our credit reports that we have worked so hard to build up. Your immediate action on this matter is requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

I am appalled by the persistent presence of fraudulent accounts on my credit report, despite assurances from reputable banks and validation of identity theft. The failure to remove these entries, despite clear evidence of their fraudulent nature, constitutes a blatant violation of credit reporting laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX