davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-06
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. (NC)

To whom it may concern, In XX/XX/XXXX I submitted a dispute to Equifax ; to dispute items that was reporting incorrect on my credit report and to also dispute items that was reporting on my credit file that was associated with the Theft of my identity and Fraud accounts. 

With my dispute request I mailed in all supporting documents ( FTC report, policy report, IRS ID Theft report, and Department of Education notice ) In XX/XX/XXXX Equifax updated and corrected all the error ( s ) on my credit file. 

During the week of XX/XX/XXXX. I attempted to gain access to my credit file and was unable. After a week of requesting to unlock, unblock, and unfreeze my account. 

Per Equifax they combined the Fraud credit file and my True credit file together so I could gain access to my credit file. 

On XX/XX/XXXX I noticed that the Items Equifax removed in XX/XX/XXXX was put back on my credit file and also New account Ive never seen on my credit file before. 

I contacted Equifax CRA department on XX/XX/XXXX and they stated it would take up to 30 days to dispute the items they deleted in XX/XX/XXXX and the new items they combined with my True credit report ; that was on a second credit report due the ID theft Items Equifax deleted and repute on my credite file XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address reporting incorrect I never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX   XXXX XXXX XXXX NORTH CAROLINA XXXX
Consumer complaint received 2018-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

ON XX/XX/2018, I RECEIVED TO LETTERS WHAT THEY CALL RESURGENT CAPITAL SERVICES, BUT CURRENT ONWER XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA AND PHONE # XXXX/ XXXX AND IS A SCAM AND NOT APPORVED BY THE XXXX. THEY STATE ON LETTERS XXXX XXXX, XXXX. AND XXXX XXXX XXXX OWNS THE FOLLOWING REF # XXXX. AND THIS FOR 2 FORMER CREDIT CARD.., ONE XXXX {$300.00} AND THE CARD XXXX {$600.00}. ON LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX. FOR YOUR INFORMATION XXXX XXXX XXXX IS IN XXXX XXXX XXXX UTAH. AND THEY ARE WELL KNOWN ON XXXX AND FOR YOUR KIND HELP.., THE FEDERAL TRADE COMMISSION HAD BOTH OF THE CLOSED DOWN.., AND SINCE THE XXXX XXXX XXXX IS NOT APPROVED BY THE SOUTH CAROLINA XXXX.., BOTH XXXX XXXX AND THE ABOVE ARE BOTH KNOWN AS SCAM.., I SIMPLY DESIRE FOR THIS TO BE REMOVED FROM ALL 3 CREDIT REPORT COMPANIES. 

RESPECTFULLY, XXXX XXXX E-MAIL.., XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Hi, My XXXX  scores shows a big discrepancies between what it shows to my in their website ( XXXX, Equifax ) than the lender  credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX  score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in Equifax and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, XXXX XXXX
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MA)

Made a agreement for a bag listed on XXXX with XXXX XXXX ( XXXX  username- XXXX XXXX. She posted a bag and I made her an offer. She messaged me in a comment saying she would accept my offer if I did it off PM and send her money via Zelle. I said I would pay half ( {$400.00} ) and the other half ( {$400.00} ) when she sent a video fo her shipping and the XXXX tracking. I just got the box today and it is a weighted ball. No bag! The XXXX  label says name XXXX XXXX ( XXXX ) XXXX ( which is the number we later texted on ) and the address XXXX XXXX XXXX XXXX In, XXXX ( not sure if this is her real address ). No recourse from Zelle.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I had Victoria secret credit card, i paid entire balance on my card, about two months latter I received alert from credit monitoring that I was delinquent on this credit card.

when looked I saw there was two separate finance charges. the charges was posted 25 days after my account balance was {$0.00}. i have reason to believe either it was done in error or simply a fraudulent charge by the creditor to get extra money out of me. it started with {$2.00} cent finance charge and then same day there was another finance charge of {$3.00}, cent on credit card that had {$0.00} balance,. and then i was charged {$5.00} late fee on the interest charge. then there was interest charge, and then another late fee of {$13.00} then another interest charge of {$2.00} even I thought it was not right but I still paid it to avoid any issues.
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXXl has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions. 
Experian Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Consumer complaint received 2021-04-13
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. (TX)

XXXX XXXX XXXX  sent this company a letter to delete and update in XXXX to delete this account from my credit file on XX/XX/2021. I confirmed twice with the company, yet it is still being reported on my credit file. The companys update every beginning of the month. Its been almost XXXX weeks since XXXX XXXX XXXX asked this to be deleted and you are stop reporting on my credit. At this point its defamation. Shouldve been deleted on XX/XX/XXXX when reported to be deleted
Consumer complaint received 2024-03-27
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: DISCOVER BANK (DC)

I have been enrolled with Discover repayment program for the past 4-5yrs. This program assists with the repayment of the account with no interest and to maintain good credit status with credit agencies. I have never been late on the monthly payments in the amount of {$94.00} per month that automatically deducts from my bank account. I successfully reached the end of the repayment term with only two payments remaining for the months of XXXX and XX/XX/XXXX. In XX/XX/XXXX, I had received a statement that reflect the remaining balance. I contacted Discover just to verify remaining balance and the customer service representative confirmed. I inquired since my normal monthly payments were setup as {$94.00} per month, there would eventually be an over payment and how does Discover handle the overpayment. The customer representative agreed that there would be an overpayment and gave me the option to either continue making the last two payments ( XXXX and XX/XX/XXXX in the amount of {$94.00} each ) and Discover would mail me a refund. The second option would be the customer service representative can manually modify my last two months payment to split into two payments of {$60.00} and XXXX for the months ( XXXX and XX/XX/XXXX ). I opted to accept the second option to avoid overpayment. In XXXX, I received a credit report alert of my credit score ( decreased approximately by XXXX points ) with XXXX and XXXX had adversely been impacted by a past due payment status with Discover. My Experian credit score went from very good to below average. My XXXX credit score went from good to fair. I was shocked! As mention before I have NEVER been late or paid less than original repayment monthly amount since enrolled in program. The customer service representative NEVER communicated that if the last two months payments are modified that my credit status would be negatively impacted! I would have NEVER accepted that option that she gave me. Discover should be ashamed to treat me this way when I have paid according to the repayment program and why would I risk my good credit status on the last XXXX final payments of the program. Discover should be held accountable for the negligence of their customer service representatives. I want the negative past due status removed from credit agencies and revised to current and always paid as agreed for this account. I want my credit score points that were lost to be reinstated.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, an unauthorized person was granted access to my bank account by Chase Bank. The person committing the fraud was flagged as fraudulent, but was still granted access and was able to drain my balance by buying new XXXX products and shipping them to a Virginia address. 

On XX/XX/XXXX, I discovered the fraud after receiving an email alert that my email address on the account had been changed. I immediately called the bank and was told that they would change these things back, and that they would fix this, and that they would add layers of security to this option. The agent I spoke to at that time *confirmed* that Chase themselves had granted access to my account to the attacker. They said that they would freeze my account from any further transactions until I went to the bank in person tounfreeze the account. I spoke to no fewer than three agents that day who said they would add various flags and protections. 

On XX/XX/XXXX I went into a branch to follow up ; I was told my account was secure, they had done everything they could. and that my account was safe. I flagged that I wanted to know how the attackers had gotten access, and what information was used. I instructed them to please keep the account locked. Despiteproviding them with information as to where the stolen items would be sent, I was told no effort would be made towards recovery. 

On XX/XX/XXXX, I received another alert that Chase had again given access to my account to someone else. I immediately called to find out what had happened ; the agent in question that I spoke to said not only had nothing changed, Chase had not locked my account. Chase had not reported the fraud or started any refunds. Chase had not added the requested password. This agent, XXXX, said he would proceed to do these things. 

On XX/XX/XXXX, I called again to try and resolve these issues ; I was told that there had been no modifications to security or other improvements, despite the agent acknowledging the new username which I had added on the XXXX. They said there had been no changes to the account in months. They said they would add two factor authentication again on my account to add a layer of protection. As of today, XX/XX/XXXX, I was able to access my account without 2 factor authentication.
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (IL)

PLEASE BE ADVISED THAT : Southwest Credit Systems, L.P AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( see CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XX/XX/XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XX/XX/XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. 
Accordingly, XX/XX/XXXX, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XX/XX/XXXX from SOUTHWEST CREDIT SYSTEMS, L.P. ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, whenXX/XX/XXXX ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I'm beyond frustrated. Experian 's fraudulent claims that disputed bankruptcy was legally verified are false and a clear, blatant violation of my rights and the FCRA. 
The following agencies have deleted the legally unverifiable bankruptcy : XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX. Yet, Experian claims that bankruptcy was verified without disclosing who supposedly verified bankruptcy. The FCRA clearly states that a disputed item must be verified with and/or reported by the " original creditor ''. 
I've sent numerous copies of letters from XXXX and the Courthouse in which each entity states they neither report nor verify bankruptcies. Per the FCRA if the original 'creditor ' can not verify a disputed item then the item is to be removed. Therefore, to continue to claim this bankruptcy as verified is fraud and a blatant violation of the FCRA as well as my consumer rights. 

Furthermore, I'm aware that Federal Law prohibits any person 's full social security number from being displayed on XXXX and that using XXXX to " fish '' for information is not a viable or legal form of verification regarding disputes. I am also aware that repeatedly claiming the bankruptcy verified without disclosing the party you're getting the information from is yet another FCRA violation. 

If the bankruptcy is not removed from my credit within 30 days, I intend to seek legal remedies and seek a minimum of {$1000.00} per FCRA violation as compensation for violating my rights as a consumer and for the blatant disregard shown for the law- as is my legal right per the law which Experian has willfully failed to follow. 
I've emailed, sent letters, faxed and called. Each correspondence had proof that Experian is blatantly and willfully disregarding the law.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

During the shelter in place when covid-19 first hit I was not able to work for two months. I was not able to pay my rent for two months because of this. I tried paying the landlord back but could not afford the additional repayment amount and the rent. So I had to move. They submitted the remaining balance to a collections company named IQ Data International with a balance of around 4k. I started paying them 300 a month for a little over a year now. Two months ago I contracted XXXX and was off work without pay for two weeks. I still owe them 2k. They they told me to use my income tax return to pay them back. I have taken a reduction in hours at work due to Covid and I cant make that payment right now. I need more time. But they are threatening legal action, wage garnishment and make me pay for their legal fees. Im barely hanging on now. I want to pay them I just need more time.
Consumer complaint received 2020-07-29
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX  BANKRUPTCY DISCHARGED XXXX  CHAPTER XXXX  BANKRUPTY DISMISSED XXXX US DEPED XXXXXXXX {$23000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX {$3800.00} XXXX XXXX XXXXXX {$3000.00} XXXX XXXXXXXX {$22000.00} US DEP ED XXXXXXXX {$1700.00}
Consumer complaint received 2020-12-13
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: Experian Information Solutions Inc. (FL)

I have written and called all three credit agencies regarding the inquiries on my reports ... They have still not removed the unverified accounts ... 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FORD MOTOR CREDIT CO. (CA)

I spoke directly with the finance company to explain the current economic situation due to a bankruptcy that was happening and they helped me and they made an extension so that my credit would not be affected so that I could repair my credit and they still put late payments on me. credit and that made it go down more than ten points and it's not fair because I talked to them and they said k would not affect me.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IL)

There were several unauthorized transactions from XXXX and XXXX on my account. I contacted the merchants as well. XXXX stated they would credit my account but I dont see the credits from XXXX. Now Chime is stating that since the card number was changed when I reported the card lost/stolen XXXX wont see the merchant credits.
Consumer complaint received 2022-03-01
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.