davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
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: JPMORGAN CHASE & CO. (NE)

Chase Credit Card resold by Southwest airlines provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.
Consumer complaint received 2020-09-21
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. (GA)

The information I found on my credit report was a mortgage, two credit cards, and several weeks later a XXXX car. When I saw the information on my credit report and tried to download it, I was unable to obtain it. Experian wanted me to identify myself, but I did take pictures of the information. I filed a police report and added a fraud alert on my credit file. 

When I checked my credit file today the house, car, and credit cards had been removed. This has really made me concerned about the ethics of this company. I do know about their data breach in XXXX now, but was unaware of it until a few days ago. 

Experian has still refused to raise my credit score when they have had a massive data breach in XXXX. I have not been able to obtain and use the credit I earned since someone else stole it and they never informed me five years later!
Consumer complaint received 2020-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have sent a debt validation request In XXXX and again in XX/XX/2020 directly to the companies, after I had requested these creditors be removed from XXXX, XXXX  and XXXX. The reporting agencies list the debits as verified and when I asked for what info they received to verify these debits being valid they told me that I was not allowed to have this information. I then asked what qualifies a debit to be valid per there agency 's procedure, again told I could not be told that information.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX has reported the wrong payment time and amount of my credit report I called about getting a late payment removed due to cov for the month of XXXX and XX/XX/XXXX And they added 17 late payments to my account wow I have uploaded and copy of my bank statement and a copy of my credit bureau report from transuion and XX/XX/XXXXshowing the incomplete and inaccurate late payments days and amount from XX/XX/XXXX to XX/XX/XXXX please remove all these late payment from these years
Consumer complaint received 2017-08-08
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. (IL)

I was in the process of closing on my house. On XXXX XXXX, 2017 a hard inquiry came on my credit report with trans union. I have n't applied for no credit, I do n't need a car and this inquiry came on me. I got a notification from XXXX XXXX and when I seen it was from XXXX XXXX I went up there and talked to the business manager named XXXX XXXX and told her I did n't apply for any car loans. She then faxed a removal to trans union to number XXXX XXXX. I then written to trans union and they sent me a letter telling me about inquiries! I know what a inquiry is and need it to be removed.
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (OR)

I received a letter on XX/XX/XXXX from Southwest Credit Systems that they were collecting {$30.00} on behalf of XXXX. I called XXXX today ( XX/XX/XXXX ), and their Collections department confirmed I had an outstanding balance of {$30.00} on a recently closed account ( XX/XX/XXXX ), but that the {$30.00} was still showing on the account, and it had not been assigned to a collection agency. I paid XXXX the {$30.00} directly, and received a payment confirmation. When I called Southwest Credit Systems back to explain the money had been paid, they said they were waiting for confirmation from XXXX so they could close their account. But why would XXXX contact them, if they never contacted Southwest Credit Systems to begin with? When I asked this question, the Southwest representative simply said " there 's no way that could happen. '' Needless to say, the whole situation seems fishy.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-07-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CURO Intermediate Holdings (AZ)

I have tried to settle this with speedy cash but they do not give me options. They then send this email threatening a case against me and to press charges for 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to {$5800.00}.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade & Associates, Inc. (OH)

I have an unverified account from MEADE & ASSOCIATES. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOCIATES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MN)

Since XXXX of XXXX I have made numerous attempts to work out a resolution with Citibank. I even had an attorney assist me. Citibank refused to answer phone calls, return messages, respond to emails or mail correspondence. As a result I have a negative debt on my credit rating and had to pay an additional {$600.00} damage deposit to get into a new apartment. I fully intend to resolve this debt, but can not get Citibank to work with me. Now, in spite of a XXXX credit score I am being denied access to housing without having to pay an additional damage deposit. If Citibank had worked with me in XXXX, XXXX, this would not be the case. Our last attempt to reach out to them was in XXXX, XXXX. Thank you for your time.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

FNB Omaha Credit Card closed my account without my consent. Had no issues with account, no late, no negative marks. Company proclaims previous discrepancies algorithms to determine closure. By doing this it may impact my credit report, my credit score has increased and improved, no real true reason but to close my account, other than coded remarks. Will never do business with this institution again.
Consumer complaint received 2020-11-19
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: EQUIFAX, INC. (PA)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-05-07
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: DISCOVER BANK (MA)

Below is the letter sent to XXXX  begining of XXXX and they still refuse to respond. 


XX/XX/2020 To : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Re : Not able to access my account/XXXX  refusing to verify my identification, and reporting in correct information. Then refusing to allow me to dispute the information saying they can't verify me. 

Im writing this letter because XXXX  will not allow me to access my credit file, I have provided all identification information online and over the phone and XXXX claim you can not verify my identity. In addition, XXXX  has caused Discover to close my account because XXXX  stated they could not verify my identification provided through the requested form 4506-T Discover submitted. 

I called and spoke to an XXXX  representative on XX/XX/2020 regarding this issue and was told that XXXX  doesnt have enough information to verify my identification. This I dont understand knowing that XXXX  is taking in and reporting out information on me. The representative said I need to send in a copy of my State ID/Drivers License and Social Security Card. 

I am aware of a breach of information in your system in the past and Im uncomfortable with providing this information, but XXXX is holding my information under hostage, preventing me from getting approval for a of line of credit, impacting my credit score and now Discover closing my account due to XXXX  neglect. 
Attached is a copy of my Drivers License and Social Security Card, as  requested. I need access to my XXXX  account and I need XXXX  to provide the requested information that Discover asked for so that maybe they will reconsider re-opening my account. 


Thanks
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Frontline Asset Strategies, LLC (WA)

Phone number XXXX Frontline asset strategies called my XXXX year old mother telling her that she had a XXXX card with {$20000.00} from 2016 she needed to pay immediately. We checked and my mother her never had one. I called that number that has a New Hampshire area code and they would not tell me what type of business they were, I asked for their mailing address and he put me on hold, he was hesitant, he found XXXX gave me a address, XXXX XXXX XXXX, XXXX XXXX, XXXX Minnesota. If you use XXXX XXXX that address is a parking garage.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

I was not served properly. when I got home on around XX/XX/XXXX my neighbor handed me two summons that she said were given to her by an un known person. I was not home so they gave them to her. I am never home at the same time as my neighbor he waited until he saw me. when I saw what it was it turned out to be a law suit. but by the time I got them it was long past the time I could show up to court. 
I don't think this is right. I am pretty sure that I would have had to be personally served and I was not. one of the summons was dated XX/XX/19 and the other XX/XX/XXXX I looked up both of the summons on line at the XXXX court house and both say that i was personally served. and that is not true. i was never served and when i got the paperwork it was long past the time i could show up to court. 
this is not fair business practice.
Consumer complaint received 2019-10-30
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. (FL)

There are 4 items that are in collections on my credit report, these items have been on my credit report in collections for 6 years. They were removed XX/XX/XXXX. The end of XX/XX/XXXX and XX/XX/XXXX all 4 were placed back on my credit report by new collection agency 's Please see below 1st XXXX XXXX date of service XX/XX/XXXX amount XXXX. 1st collection agency XXXX XXXX and was removed XX/XX/XXXX. Now back on my credit report with XXXX XXXX as High Impact. 

2nd XXXX XXXX date of service XX/XX/XXXX amount XXXX 1st collection agency XXXX XXXX and was removed XX/XX/XXXX. Now back on my credit report with XXXX XXXX as High Impact. 

3 and 4 XXXX XXXX XXXX XXXX date of service XX/XX/XXXX amount XXXX date of service XX/XX/XXXX amount XXXX 1st collection agency XXXX XXXX XXXX for both, both removed XX/XX/XXXX, Now both back on my credit report with XXXX XXXX XXXX as High Impact
Consumer complaint received 2019-10-30
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. (IL)

I have called Equifax several times informing them of me being a victim of identity theft. The representative said they would delete the misprinted name and the unknown addresses that do not belong to me. They have yet to do so. I have given them my current addresss which is the same address that is listed on my I.D . Due to identity theft there were many inquiries made as well : XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX   XXXX and XXXX national in which I have not applied for credit with those companies. There were also 2 accounts that were opened without my authorization : XXXX XXXX and XXXX XXXX in which I need removed immediately. I have attached my FTC report for reviewal and assistance in fixing this issue.
Consumer complaint received 2022-10-07
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NM)

Someone has stolen my identity/information and is using it everywhere for various nefarious purposes. There were fraudulent charges on my credit cards that chase temporarily removed, then reapplied to the account. I reported the fraud as soon as it was discovered, but they put it back on less than a month later. My information is being abused, and chase refuses to do anything about it. I need these fraud charges removed from my account immediately. I have reported this to the police. 

XX/XX/2022 - {$1800.00} XX/XX/2022 - {$1400.00}
Consumer complaint received 2023-01-30
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. (CA)

This is " XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED : XXXX  XXXX XXXX : {$230.00}
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (FL)

I've recently noticed unauthorized transactions showing up in my venmo checking account and I went back and looked and I discovered XXXX unauthorized transactions that is taking place on my account over the last 2 months so I notified venmo and I file disputes on all of these transactions they respond back XXXX days later at XXXX at night that all my disputes have been denied I contact venmo to inquire as to why or what was going on and they told me the decision was made pretty much to deal with it and then told me to have a good night and end of the chat session this is unprofessional it's downright wrong borderline criminal and morally wrong on every level I'm a victim of theft and they treated me as if I was the thief applicable behavior for such a prominent name like venmo
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under 15 U.S. Code 1681. 

Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99.

Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for Inaccurate Reporting. There are over ten different names associated with my credit report. At least five are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with.

Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/20 blocked number XXXX called my work XXXXXXXX- I told this company they are calling me at work and I am not allowed to take personal calls at work. The woman on the phone kept talking over me. I repeated do not call me at work. Do not call me on this phone number, I can not take calls on this phone number. 

XX/XX/20 XXXX XXXXXX/XX/XXXX Called and talked to two other employees here on XXXX. Asked if they were me and kept repeated they are on a recorded line.
Consumer complaint received 2024-02-29
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX