davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Credit card or prepaid 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. (CO)

On XX/XX/XXXX I purchased an " XXXX XXXX '' smart home accessory on XXXX for {$200.00}. The promised ship date was XX/XX/XXXX. Months have passed since that date with no delivery date in site. I contacted the manufacturer multiple times for a cancellation and a refund but they will not respond. The owner of the commerce site where the item was purchased, XXXX, will not assist and defers questions to the manufacturer. 

I contacted Chase to dispute the charge but after a lengthy review process they denied my claim because too much time had passed! That is exactly why I am filing a dispute. I contacted Chase and they said they would/could not help me and any further.
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (GA)

After refinancing my home and closing with my new lender on XX/XX/2018, my former mortgage with M & T Bank was paid in full and funded on XX/XX/2018 In XXXX, I was notified by XXXX XXXX and my credit monitoring service that I had a derogatory/30-day late reported for XX/XX/2018 from M & T Bank I contacted M & T and asked them to explain because this was inaccurate. I have never made a late mortgage payment. M & T told me they marked my late because the received payment on XX/XX/2018 and that was 30 days after payment was due. I told them that did not make since and did not coincide with federal laws. M & T told me to file a complaint and they would investigate and get back to me. 

A couple weeks later, I received a letter from M & T saying they would not remove the derogatory mark from my credit report and they pretty much stood by the information stated to me previously. 

I also received a paid in full letter from M & T Bank stating my loan had been paid in full on XX/XX/18 ( attached to this email ) I filed a dispute with the credit bureaus and M & T changed some of the wording on my credit report but failed to remove the 30 day late from my credit report I worked with a credit reporting agency and had a conference call with my current loan officer, credit agency and M & T bank last week. In that conversation, the rep ( XXXX ) from M & T Bank said in plain language I never made a late mortgage payment and was on time in XX/XX/2018 because the loan was paid off on XX/XX/2018 After our conference call, the credit agency called M & T back and a supervisor ( XXXX ) said they would not remove the late payment from my credit report I have never made a late mortgage payment and I am disappointed with how M & T Bank is handling this matter. I am not in opposition of legal recourse if this matter is not remedied.
Consumer complaint received 2022-06-09
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. (CA)

I have filed a police report and supplied it to XXXX, Transunion, and XXXX. I have filed my FTC identity theft report as well. They refuse to remove these accounts that are clearly Fraud!!!. I have asked these companies to validate this debt and they can not!! But when I submit it to the credit bureaus to fix it somehow comes back verified how? This timeshare account which is definitely not a mortgage keeps coming back to me when my ex-husband opened the account, not me. I have shown all 3 credit bureaus to fix this and they will not. The company has already been reported to the FTC for its shady practices but, the credit bureaus won't help me at all. They have reported this on me but not my ex-husband the person who actually open the account. These things clearly violate my rights under the FCRA. I want this gross neglect fixed ASAP. Here are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bank. I want to add the police arrested the individual who did this to me as well. He was arrested in Colorado while I live in California. He not only had my information making fake driver 's licenses but he also had the information of over XXXX people doing the same to them. I have supplied enough proof to show this isn't my information. I have over XXXX fraud inquiries as well that they won't remove. 


I would like to add XXXX has already deleted the following account but the other 2 credit bureaus have not : XXXX XXXX XXXX  this company has lied so many times and reported wrong as well. this account actually belongs to my ex-husband as well not me!!!!!! 


My next step will be legal action against the credit bureaus and these credit furnishers if these errors are not fixed within 30 days as per my right under the FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (CO)

Mariner Finance received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from Mariner Finance in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the Mariner Finance homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, Mariner Finance only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.
Consumer complaint received 2019-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Purchase XXXX XXXX using PayPal. Lens was described as fully functional. After testing the lens I determined it was not, I sent the lens to the manufacturer for evaluation. The manufacturer determined the lens had a defective image stabilizer. The merchant refused to accept a return or compensate for repair. Paypal has 180 day buyer protection. Opened case XXXX. Paypal policy states they protect buyer if item is " Significantly Not as Described claims : The condition of the item was misrepresented. '' The item stated All functions work. The provided evaluation from the manufacturer stated that was not true. Paypal denies the claim anyway. Paypal terms state you may appeal the claim within 10days on their web site - accept where there is suppose to be a button to file an appeal - there IS NO APPEAL BUTTON. Multiple Requests to appeal through secure messaging were ignored.
Consumer complaint received 2020-04-09
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)

Good Afternoon, I am a victim of identity theft. My personal information was used to open a loan from XXXX XXXX for {$15000.00}. 

I learned of this upon reviewing my credit report/score in XX/XX/2019 at XXXX XXXX. I noticed the account was opened in XX/XX/2019. I immediately disputed it with all three credit bureaus. I also followed the appropriate protocols at IdentityTheft.gov and sent letters to both XXXX XXXX, as well as, all three credit bureaus to close the fraudulent account ASAP and to remove the fraudulent information from my credit report ASAP. As of today, all three credit bureaus have completed their investigation and removed the account from my credit report as it has been an act of identity theft. 

As a victim of identity theft, which may have occurred with the numerous breaches of data from credit card companies and other companies, my personal information such as my name, date of birth, social security number, address, email and telephone number was used to open this account, unbeknownst to me. 

I can confirm that my bank which is a XXXX XXXX XXXX has not received any payments or funds from XXXX XXXX nor has made any payments to XXXX XXXX. I have researched their claim, but do not see an inquiry to support this. 

Lastly, how can you verify someones identity through a phone system. Perhaps, physical documentation should have been collected or having the person visit a branch to ensure their true identity. As a victim of identity theft, my personal information was used to verify the account which was how it was opened. XXXX XXXX should have taken more precautionary measures to ensure it was the correct person opening the account. 

I am in the process of filing a police report. 

Again, I'm not at fault, responsible or liable for the account. Since the account was opened fraudulently using my personal information, I intend to continue to fight this and repair my financial reputation. 

Based on the above details, I kindly request this account be closed. 

Thank you!
Consumer complaint received 2022-05-05
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. (DE)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (CT)

Manufactures & Traders Trust Company absorbed XXXX XXXX XXXX XXXX  which was my bank for 20 years. I receive many messages that the changeover to M & T Bank would be a smooth an easy transition. When the change actually occurred, I was locked out of my account. I tried calling the bank many times and the wait was over XXXX hours on the phone. I went to a local branch, where an employee tried to help me by sending me a temporary password, so that I could try signing in. What I finally found out after several visits to the bank is that M & T did not probably prepare for customers to have a special character in the online usernames, even though XXXX XXXX  required that. I was told that it take several days to a week for them to resolve this issue. What eventually occurred is that I was locked out of my account from XX/XX/XXXX to XX/XX/XXXX. What I finally learned after another phone call is that M & T Bank changed my username without telling or notifying me. If I knew this, I could have had access to my account. I feel that the way that they handled this merger and change over from XXXX XXXX  was extremely unprofessional and lacked the service and care that was needed at this crucial time. How a large bank can take over another bank and not know that many customers would have special characters in their usernames is extremely shocking to me.
Consumer complaint received 2022-10-24
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. (MO)

I hope you are having a good day! This is XXXX XXXX submitting this CFPB complaint to the Credit Reporting Agencies today to inform the Credit Bureaus that I was the victim of identity theft. I made a research on how to remove the fraudulent information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-05-23
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. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

Americollect The amounts are $ XXXXXXXXand {$1000.00}. I have submitted a debt validation letter but have not received a sufficient response. They are reporting two accounts that are not mine. They are tied to a social security number that is not mine and they nor the original creditor can furnish anything with my signature. It is also tied to an address that isnt mine.
Consumer complaint received 2022-10-24
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: Affirm Holdings, Inc (FL)

This company is impossible to deal with. 
I have tried to reach out and unable to receive assistance in resolving my issues. 
Secondly they send me a paid in full letter and report that my account is past due when its paid in full. This company has poor standards and reguard for their consumers. 
I will not use them ever again.
Consumer complaint received 2022-07-31
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: Choice Recovery, Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX, Account # XXXX XXXX, CHOICE RECOVERY ACCT XXXX, AND XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-23
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. (TN)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX   Date:XX/XX/XXXXCompany:XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items are unknown to me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION BUREAU INCORPORATED (ID)

Collection Bureau Inc. 
XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX XX/XX/18 This collection bureau did not verify amounts owed to them before suing. If they had they would have found I owed nothing to the client they were trying to collect for. I contacted them to resolve the issue only to be transferred to their " Law Office '' who again tried to state there was an amount owed. I informed them I called the debtor to verify amount owed prior to contacting them. At that time their representative from their law office was very rude. 

I have also received several harassing calls from this collection agency which I do believe is a violation of FDCPA.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I have XXXX home internet .... one modem one line one bill ... XXXX has submitted another account in my name to a collection agency and to a lawfirm trying desperately to get me to pay {$350.00} on a account that doesn't belong to me. They also have the absolute worst customer service department on the face of the planet. They have refused to resolve this issue. When I first got the home internet I had to send one modem back because they sent me one and I got one from the XXXX store. I spent one hour on the phone with XXXX customer service in the ups store trying to get a return label for the extra modem. They couldn't get into my account because the pin on the account wasn't set up .... and they couldn't set it up. So I drove over to the XXXX XXXX and asked them to send it back. They said they usually don't do that but since I had an issue with customer service they gladly sent it back for me. Then a few months later I had problems with my modem. I diagnosed the problem myself to be a faulty power cord. I spent over an hour trying to explain that to XXXX customer service and they said they would send me another cord. That was the most successful call this whole time I've had XXXX ... .. so I thought. When the box came in and I opened it, it was a XXXX phone battery. I had to contact customer service yet again and to resolve the issue they just sent me a new updated modem and had me send back the old modem and XXXX battery. Then I received a letter saying I owed money on a bill when all my bills were paid. I noticed the letter had a different account number but had my name. I went to the tmobile store so they could assist me in figuring out what has happened. They found that there were 5 different accounts in my name and were unaware of how this could happen. We spent a good amount of time on the phone with customer service, again. The customer service rep stated she was gon na delete all accounts except my actual account and credit my account $ XXXX thought everything was fixed and internet was great and bills were paid and everyone was happy. Then, I received a letter in the mail from a collections agency stating that the account that I thought was deleted was turned into them and I needed to pay {$350.00}. I disputed the claim and XXXX said their information was correct. Then I received a phone call and a letter from a law office attempting to collect the dept.To this day. The issue is still not resolved