davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  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 2020-10-12
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: EQUIFAX, INC. (FL)

I sent several dispute letters to Equifax on XX/XX/2020 along withProof of my identity and until this date I still have not received a response to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period, beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I need you to please have Equifax Delete these inaccurate accounts from my reports as the Fair Credit Reporting says they should because of their lack of response to my disputes.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

XX/XX/2020 ( Complaint Date ) This Complaint does not pertain to INCORRECT information on my EQUIFAX Credit Report, but it does pertain to the Equifax Credit Reporting Agency NOT showing information that should be shown on my credit report. I have 2 current addresses that should be showing on my Equifax Credit Reports : 1 ) a Physical Address and 2 ) a P. O. Box Address. ONLY THE P.O. BOX ADDRESS IS SHOWING ON MY EQUIFAX CREDIT REPORT. Due to Equifax Website Technicalities, I am unable to enter my current Physical Address ( which has a different zip code ). How can this change to include both my P. O. Box Address and my Physical Address be reflected on my Equifax Credit Report? I've made attempts, in the past, on Equifax 's Website to enter my current Physical Address, but the website doesn't make provisions for me to do so.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (IL)

Every month welfargo charges {$65.00} intrest on outstanding purchases I made through a store credit they issued to me while I am still making payments to pay off the balance. But to my surprise this month of XX/XX/2018 I notice {$430.00} intrest while I have not used the card for any other purchase since I began to make payments on the account. This was also reported to my credit.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (SC)

It all started with an overdraft onXX/XX/XXXX of {$30.00}. At the time I wasn't aware of the low funds in my account and didn't even realize that I had overdrafted my account. Later that day, I purchased some groceries and it amounted to roughly {$50.00}. The next day, I was hit with 4 overdraft fees, I was not notified of this in any way : no email, no call, nothing. There was also a pending charge from a purchase that I had made earlier that week that had disappeared from my virtual wallet account and popped back up on XX/XX/XXXX, and that hit my account with another 2 overdraft fees. It wasn't until XX/XX/XXXX that I was made aware of my overdrafts via email, on this same day I had accumulated another 3 overdraft fees. I made a call to PNC and explained that I had never been notified for the overdrafts ( also the disappearing pending charge on my virtual wallet, this would make the second time that I have been charged multiple overdraft fees for a pending charge that disappeared, then reappeared. I was never notified of those overdrafts either ), and that I wanted to speak to a XXXX about having the fees frozen, that way I could pay them before they piled up too high once I received my next paycheck. I was told to leave my phone and social security number with the representative and that a XXXX would call me back within the hour. I never received a call, so I called back the following day and was told that the fees would be stopped so I could pay them. PNC continued to hit my account with DAILY FEES even after telling me that the fees would be stopped. My account had daily overdraft fees charged to it from XX/XX/XXXX to XX/XX/XXXX on the day of my direct deposit from my job. A total of {$470.00} was deducted from my account virtually financially crippling me for this month. I knew calling PNC was not worth the frustration due to the fact of them continuously ignoring me and giving me the run around on this situation. After my second encounter with the problem of disappearing pending charges and not being notified of overdrafts, I became so displeased with PNC and how the situation was handled ( their lack of customer service ) that I had no choice but to make a complaint.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I'm disputing this duplicate credit entry. Tried to work it out, disputed with all 3 credit bureaus. No one wants to listen to me. We cant have double jeaporday. The originial creditor is claiming the debt as a charge off. and the debt collector is claiming the debt as well. If you own the debt both have to prove it. XXXX XXXX XXXX   you need to stop acting like I opened this account on XX/XX/2016. That's a blaten lie. Show me the contract. XXXX Bank is the original owner of the account. You are ruining my credit report with the double entries. 

You've paid off 2 % of your collection amount. 
Balance {$650.00} Highest Balance {$660.00} Opened XX/XX/2016 ( 2 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
Consumer complaint received 2020-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2023-01-31
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: Possible Financial Inc (NV)

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.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc (MI)

CHIME, the XXXX XXXX, issued a hold on my ( XXXX XXXX 's ) account debit card. I XXXX XXXX answer all CHIME, the XXXX XXXX  question to the best of my ability. the XXXX XXXX and CHIME closed the account and embezzled the funds/credits I XXXX XXXX worked for, funds credits that my job deposited in the CHIME account. No one has never revealed names to me, just threatening emails, jeopardizing my family 's ability to live. 

CHIME the XXXX XXXX  XXXX XXXX XXXX is trying to force me to become an accountant for their COMPANY 'S before releasing a work woman 's pay, credit, deposit, and or funds. 

I am attaching documents of the correspondence between me and the CORPORATIONS.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

I found out there was a medical collection ( account XXXX for {$56.00} from XX/XX/2015 ) from Firstpoint Coll Resources, INC on my XXXX credit report that I do not recognize. I opened a dispute with XXXX said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from Firstpoint Coll Resources after leaving multiple voice mails. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There is a consumer report on my trans union credit report that says to verify my identity and it is being taken as a fraud alert by bank underwriters that are reviewing my credit report for a morgage loan. On my Transunion online portal it says i have no fraud alerts set so i cant remove it there and i also tried calling trans union and they directed me to that same page in my portal that i had just been on that said i had no fraud alerts and when i said i was looking right at the fraud alert he said maybe it was from another company. I looked at all my reports its only on the trans union report. It says it has no expiration and i need it removed from my report as soon as possible. Anything you can do to help would be appreciated. Thank you.
Consumer complaint received 2018-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

My name is XXXX XXXX and on XX/XX/18 I went into XXXX on XXXX XXXX in XXXX, Florida to make car payment like I always do. Gave the customer service person my information. I have been making this payment for a year now. I was informed by my car payment XXXX XXXX XXXX, XXXX XXXX that they still have not received my payment. Went back to XXXX and they submitted my payment to XXXX XXXX XXXX. Was told they couldn't do anything. called Western Union and they keep telling me they are trying to get XXXX XXXX XXXX to release monies. Today is XX/XX/18 and I still have no refund or car payment. My car payment was for XXXX and paid XXXX for urgent fees. That is a lot of money to me.
Consumer complaint received 2020-09-06
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. (WI)

On my Equifax credit report, an account with XXXX XXXX appears twice, with both items open and reporting different balances, monthly payments, and credit limits. The inaccurate information shows a last payment of XX/XX/2016 - when the XXXX account switched to XXXX XXXX and has now switched back again to XXXX. XXXX and XXXX BOTH report this information accurately, but Equifax does not. I filed a dispute with Equifax, who has not been helpful. I contacted XXXX  and they said they show only 1 active account and will not assist or contact Equifax on my behalf as they believe there is no error. No one will listen to me or help me. I want the inaccurate information OFF of my credit report with Equifax. I want my Equifax report to look the SAME as XXXX and XXXX, which both have the correct information. Neither Equifax nor XXXX will take responsibility for this error!
Consumer complaint received 2020-10-22
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. (FL)

On XX/XX/XXXX, I sent a dispute letter to the Credit Berueas disputing a fraudulent account with XXXX XXXX   and fraudulent address XXXX XXXX XXXX XXXX, XXXX FL XXXX. 

I also sent a police report as documentation to support that the account was fraudulently created after my wallet was stolen. I requested documentation from the Credit Berueas that verifies the fraudulent account with XXXX XXXX  and fraudulent address XXXX XXXX XXXX XXXX, XXXX FL XXXX.
Consumer complaint received 2019-11-01
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. (CA)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2018-09-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Castle and Cookie Mortgage LLC (TN)

The Castle & Cooke Mortgage Co denied the loan and never send the paper work to FHA due my legal status, they said I'm not qualify for buying a house, they told Mr. XXXX XXXX contact me a 1 month ago stated that in order to buy a new house I need to sell the current one, so I sold my because he told me that everything will be ok but 3 days before my closing for the new house he denied my loan due I'm not a citizen, this is descrimination I have to expend money that I never have to use due his acts, XXXX XXXX approve my Loan in less the 3 hours, I bought my house trough them. 
Castle and Cook Mortgage start with illegal questions about inmigration, I'm legal on USA since XXXX, and I bought my first house on XXXX, this is not a good company to do business with, I lost more then {$3000.00} due this guy because just 3 days before we closing he decide not to follow the process. SO HOW IS POSSIBLE THAT XXXX XXXX APPROVE THE LOAN IN LESS THAN A DAY AND CASTLE & COOK TOOK MORE THAN A MONTH TO DETERMINATE TO APPROVE MY LOAN, THEY MAKE ME SELL MY HOUSE AND PROMISE THAT EVERYTHING IS OK AND CHANGE EVERYTHING IN THE LAST MINUTE, THEY DUE THE SAME THING WITH OTHER 2 XXXX IN THE SAME MONTH, PLEASE INVESTIGATE.
Consumer complaint received 2021-05-23
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 in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-01
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)

Late payments reported on my credit report are not correct as I was of the understanding that I was either in deferment of forbearance. The problem is compounded as it appears that I have 6 separate loans with XXXX that have all been reported as late. Communication with XXXX has been confusing and frustrating at best as to my real situation. My loans are now current but I cant get the negative information removed from my credit report which is affecting my ability to get housing
Consumer complaint received 2020-10-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX Transunion received my dispute letter and it shows it was delivered certified on XX/XX/2020. My tracking number was XXXX. 

XXXX I called to Transunion and they could not locate my dispute letter that was delivered on XX/XX/2020. I spoke to several people and to try to get my inaccurate information removed. I also mentioned to them I can not get refunded for my certified mail due it showed delivered to Transunion. 

XXXX I called Transunion again because my inaccurate information is still showing on there credit report. I spoke to 3 people and was left on hold numerous of times. They refuse to remove the inaccurate information on my credit profile.
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX Statue of Limitation Expired as of XXXX XXXX Negative account removed from my credit. 
XXXX Portfolio Recovery Assoc starts a collection of {$2500.00} XXXX Prortfolio Recovery refused to provide original contract, all payment history of the XXXX  XXXX Account and 1099 of this debt.
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (MI)

We received an XXXX card as covid 19 stimulus. I called in and got a pin number. However, the card balance is XXXX. Why? I can't get an answer from XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-09-19
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. (CA)

TO WHOM IT MAY CONCERN : On XX/XX/2018 XXXX charged my Chase Bank debit/credit card via an auto renewal. I never set up auto renewal and they only had my card because of other services I had purchased. I contacted XXXX to follow-up on the unauthorized charge. I informed the the XXXX representative, the day I originally set up my domain with XXXX, that I spoke with a XXXX rep on the phone when setting up my website, that I did not want auto renewal because I often don't have sufficient funds in my account and I also like to keep the decision to renew. I was told to dispute the auto charge with Chase Bank per XXXX, as they noted that they could not refund the charge. 

On or about XX/XX/2018 I contacted my bank to dispute the charge, as I was instructed to do that by the XXXX representative. Chase bank issued a reversal and credited my account for {$200.00}. 

On or about XX/XX/2018 Chase reversed my {$200.00} credit and debited my account. I called Chase Bank and the representative instructed me to follow-up with XXXX as they were the ones that had my funds. 

I followed up with XXXX and the said the funds had been refunded on XX/XX/2018. My XXXX billing history reflects that amount being credited to my account and yet there was no corresponding credit made to my Chase Bank account. 

I followed up with my Bank in XX/XX/XXXX. The reason for the late follow-up was that I was hospitalized for four days due to a XXXX. I spoke with a Chase Bank representative and they put me in contact with a customer representative via phone. They told me the funds were not with Chase Bank and I should talk to XXXX. So they just keep saying the other has the funds and I should contact the other. Chase bank shows the money as being paid to XXXX and the XXXX billing shows the money as being credited to my Chase Bank card. One or both of them are lying and have my money.
Consumer complaint received 2020-10-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.