davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (AR)

This is XXXX XXXX, an I am submitting this comlaint myself to address the inaccuracies on my Credit Report. I am submitting this complaint to inform the Creidt bureaus that I was the victim of identity theft. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GLA Collection Company, Inc. (KY)

I have been receiving calls from an automated debt collection system ( a number search revealed it to be G.L.A Collections based in XXXX, KY. There were no identifying factors in the call regarding the agency or what the debt consists of ). Ive not been able to answer the call due to receiving them on my cell phone during work hours, so the messages have been left via voicemail. I have ran a credit check via XXXX, but there are no unpaid debts showing on the report. Ive also called the agencies Ive recently had bills from ( all medical facilities ) and they report no balances or referrals to a debt collection agency.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (NY)

I sent a letter on XX/XX/2022 to remove : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$7000.00} ; XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX C XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than XXXX business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Capital One Savor Credit Card ( issues a XXXX ) for fair to poor credit consumers. Credit Card limits are {$500.00} and below lines of credit. 
Credit Card is subjective to XXXX % APR for purchases and cash advance. Although limits are placed on these cards. {$250.00} cash advance limit with cash adv fee -- aren't transparent to consumer ; when Capital One recalculates the interest separate from the rest of card balance. Consumer is liable for monthly interest, cash adv fee, cash adv interest. Whereas, within a ( 30 ) billing cycle consumer is responsible for @ $ XXXX dollars of fees and interest @ XXXX %. 
Credit cards with low credit lines aren't beneficial to consumers. Credit usage in low credit lines amounts=to high credit usage and reflect on credit bureau as XXXX % to XXXX % credit usage. This alone lowers consumer fico scores. 
Capital One claims these cards benefit low income consumer to build credit. This simply isn't true.
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (TX)

My girlfriend applied for an Apple Card early on in XXXX. I was initially added on as an Authorized User, and soon after lost access of the ability to add the card to my mobile wallet because the app kept saying " Unexpected Error '' when trying to add it. I filed a couple of tickets in regards to this issue over the next month, and just gave up because I could not come to a resolution. 

Fast forward to XXXX, and I got approved for an Apple Card of my own. Apple Card lets you invite someone you're sharing their family plan with as a " Co-Owner '' to your credit line. My girlfriend accepted my invite, and our accounts were seemingly merged together. Her credit line increased by the amount that I was approved for, and my status updated as Co-Owner ... however, my device showed a notification from XXXX XXXXXXXX saying that my Apple Card was closed and to re-add the new account in the main menu. I tried, only to be met with that oh so familiar " Unexpected Error '' messages yet again. I've hopped both my girlfriend and I 's XXXX XXXXXXXX accounts between various XXXX XXXX, XXXX XXXXXXXX  and XXXX, and it is 1000 % either an issue with my social reporting to Goldman Sachs, or my XXXX XXXX. Neither XXXX or Goldman Sachs can do much besides file tickets and refer me back to square 1 with the opposite party.
Consumer complaint received 2022-06-21
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. (CT)

EXPERIAN broke the LAW by reinserting an account that was previously deleted due to fraud by lying and stating that I disputed an item and it was updated when I didn't dispute anything. I previously provided a FTC/ police/ identify theft report and the item was deleted. They broke the law by reinserting the item and not sending notice within the five-day timeframe. The company is failing to dispute the item because the company said it isn't fraud after I sent proof and the company then changed the account number and tried to reinsert the item on my credit report.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

I been trying to access my chine account for a week..I sent in all the requested information..and explained to them that I would get fired from my place of employment if I continue to miss days and a week later still no access to my account..im now unemployed and still can't access my account or my money
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I am filing this complaint because on XX/XX/XXXX and XX/XX/XXXX, I requested validation of information reported by Lexis Nexis to the Credit Bureaus. Based upon my own personal research it appears that Lexis Nexis is in violation of multiple consumer laws by furnishing unauthorized, and unverifiable information on my behalf without my written consent. By reporting this information, it has terribly harmed my ability to obtain credit and caused great harm to my financial well-being. I demand that this information be deleted based on the premise that the company is not following the consumer laws guidelines. The item in question is an alleged XXXX  XXXX Bankruptcy. I demand Lexis Nexis delete and remove this unauthorized, inaccurate, and unverifiable information on all company consumer reporting lists. I have attached my supporting documentation to this complaint. It is my understanding that you will recheck these items. Under Disclosures to consumers 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, under Compliance procedures 15 U.S.C. 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. You, Lexis Nexis are in violation of multiple consumer laws : 15 USC 1681 ( a ) ( 4 ) Infringed upon a consumers rights to privacy, 15 USC 1681b ( a ) ( 2 ) No Permissible purposes/No written instruction from me the consumer to furnish this information. Additionally, failure to validate the accuracy of the information you have reported as per my requests on XX/XX/XXXX and XX/XX/XXXX. I never gave Lexis Nexis any written consent to report anything on my consumer reports, no consent is fraud. I am also requesting Lexis Nexis must provide me with their Investigative consumer report per 15 USC1681 a ( e ) as required by law.
Consumer complaint received 2022-07-18
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. (SC)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed XXXX {$520.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}
Consumer complaint received 2022-09-23
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: BARCLAYS BANK DELAWARE (OK)

Someone is using my identity to apply for credit cards and inquiries. There is an account that was open without my acknowledgement nor consent. I am a victim of identity theft.
Consumer complaint received 2022-08-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy 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 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-23
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. (NC)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION (UT)

I am trying to payoff my Home Equity Credit Line with Zions Bank. I am trying to get a fixed loan at another Financial Institution and I need a 30-day payoff so that I can get the fixed loan from the other XXXX. I called and spoke with Zions on XX/XX/2022 to inquire about the 30-day payoff. They game me instructions to email their loan department with the information needed for the 30-day payoff amount. They said this would only take 2-3 business days. I emailed them the required information the same day, on XX/XX/XXXX. I still have not received the payoff quote a week later. I called and asked for an update and spoke with a Zions Bank Loan specialist. They told me there was nobody working on my loan payoff amount and to resubmit the information. I did as they asked, and resubmitted the information they requested on XX/XX/2022. I am concerned that Zions is putting off my payoff request and interest rates are going up, which will cost me more money on the fixed rate I am applying for.
Consumer complaint received 2022-07-15
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. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MD)

I turned in my payment to the processing center and they are acting like they never got it. I sent the payment certified mail, which it said it was delivered to the correct XXXX XXXX XXXX I has been a whole month and they are trying to let fees accrue while they play XXXX. They payment says it was delivered XX/XX/2022. It was in the form of a payment coupon. According to XXXX " '' Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, thatthey, may be separated from the bonds and other instruments to which they are usually attached, it is held that they are negotiable and that a suit may be maintained on them without the necessity of creating bonds. '' Aurora v. West, 7 Wall. S8 19 L. Ed. 42 '' it's taken in good faith with intent to accept unconditionally for value upon only minimal due diligence allowed, cautioned, and required by law, implied contracts in place, constructive trust involved, and contacts. 
My fiduciary responsibilities include specifically, the duties of care, confidentiality, loyalty, obedience, and accounting. Above all emphasis is on accounting as " the Undersigned '' can not be held financially liable for anything he did not personally sign by his hand and which can not be presented & /or exhibited upon request for inspection for authenticity, terms, conditions, and to view all contents as to possession reflected on fronts and backs. 
XXXX XXXX is suggested as to owing payment or performance. The Undersigned is XXXX XXXX XXXX and is not guarantor for payment nor guaranntor for collection for XXXX XXXX however as POA facilitator you have a duty of due DC diligence to verify authenticity and positive identity if demanding party claiming a right to payment or performance.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (FL)

I reached out to the company after initially filing my first complaint and despite providing an address for the documentation to be mailed for an official dispute to be put in, I was told to take it up with the post office because it was a bad address despite it being the address I gave to the Consumer Bureau itself. Then, despite stating I want to dispute BOTH accounts this company opened against me for the same supposed debt at the same location, began to yell at me for payment information despite me confirming I had never received any documentation about the debt verifying it was correct or mine or the ability to dispute as I do not have direct information from this company and this is the second complaint Ive lodged and the fifth dispute in a matter of several months. There was also an effort to mislead me to gain access to my cellular number without stating it would be to collect debt. There is also proof that more than one debt was claimed on my credit and one was removed while the other was updated with a lower balance.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

My identity was stolen. I have not lived at my moms address since I was XXXX old and I told them it was identity theft and they are trying to tell me I played a party in the theft of that was the case I would not be trying to get it removed. They also tried to validate it with my moms address and send it to my new address as validation but the original creditor and address is not mines. That address was my mothers. It was a XXXX credit I played no part in due to the fact I sent them police report of the identity theft and they still dont want to remove it.
Consumer complaint received 2022-06-27
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. (GA)

XX/XX/22 I received an alert from XXXX  XXXX showing a hard inquiry and when i called the company they had no record of any applications on record and advised i dispute the inquiry. I have not recently applied to anything to recieve an inquiry
Consumer complaint received 2022-09-21
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. (IL)

Creditor : XXXX ( XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Delete for inaccuracy and false reporting : The Date of Last Activity is not the same three different dates listed for XXXX XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX XX/XX/XXXX same with Last Payment Date is not accurate. XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. Incorrect date opened is listed XXXX XX/XX/XXXX and XXXX/Equifax XX/XX/XXXX XXXX No date closed listed for XXXX XXXX Equifax. Inaccurate information listed for High balance Equifax XXXX XXXX XXXX XXXX I have sent in multiple disputes via usps mail and have requested verification of how the information was verified. I have no received any documentation nor a far investigation within one week of the credit bureaus receiving my dispute the investigation is updated.