davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (CA)

XXXX XXXX was posted on my credit report in XXXX. I have disputed this from various debt collectors and they proceeded to post this debt on my report. I do not owe that debt anymore it has been XXXX years now and they just added it to my report saying that it is a new debt and reported false date as of XX/XX/XXXX. I never owed {$7000.00} to XXXX XXXX the initial debt was {$3000.00} or {$4000.00}, so they are reporting false information on my account.I do not owe this debt anymore because I disputed this plenty of times and it was removed off of my credit report after 30 days and there was no response.
Consumer complaint received 2022-06-28
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: BARCLAYS BANK DELAWARE (MO)

There were multiple fraudulent charges on my Barclays credit card on XX/XX/XXXX & XXXX. Barclays flagged these charges and contacted me. I went through the charges with a Barclays representative and two of the fraudulent charges I noted were from a merchant called XXXX XXXX XXXX. There were two charges from this merchant - one on XX/XX/XXXX for {$30.00} and one on XX/XX/XXXX for {$30.00}. Barclays closed my account and issued a new card. Initially only one of the fraudulent XXXX XXXX XXXX charges was removed. So I called back and asked for the other charge to also be removed. The representative I spoke with assured me that it would be removed. However, instead of removing the remaining fraudulent charge, Barclays added back the second fraudulent charge. Barclays also sent me a letter stating that I had personally confirmed the validity of both charges. I called back multiple times attempting to get the two charges removed. Eventually, I was given two {$30.00} credits to compensate for the fraud charges, but Barclays never actually removed them or deemed them fraudulent. The following week another {$30.00} XXXX XXXX XXXX charge was posted to my account and back-dated to XX/XX/XXXX. So at this point, I had three fraudulent charges posted on my account. After calling Barclays, they issued another {$30.00} credit, but again wouldn't remove the fraudulent charge. Now this week, Barclays posted a fourth fraudulent {$30.00} XXXX XXXX XXXX charge, also back-dated to XX/XX/XXXX. At this point, I have no choice but to close the card. However, it is clear to me that Barclays has a relationship with the fraudulent XXXX XXXX XXXX merchant. They repeatedly refuse to remove these fraudulent charges and keep adding a new one every week. I don't understand how they can be so brazen about defrauding their customers.
Consumer complaint received 2021-11-25
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX )
Consumer complaint received 2020-12-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Exeter Finance, LLC. (FL)

Exeter finance and XXXX XXXX XXXX submitted fraudulent documents through courts and lied about properly serving me at my home when i was out of the city. I send both exeter finance a demand letter and their attorneys to remove all negative courts dockets including court fees and fines and also to remove all negative regarding to do eith this car account from c re dit bureaus. I attached proof showing their illegal tactics and how i forced them to reverse illegal court dockets. This will be my last attempt before i file lawsuit against exeter finance. They need to remove from bureaus exeter finance corp account by XXXX or i will file a lawsuit.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

I am experiencing serious issues with Experian. They have not allowed a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX  check time obtain rental history verification. XXXX XXXX XXXXXXXX XXXX phone number is XXXX. The application # is XXXX. The harassment from several Apartment rental companies is on going. XXXX XXXX is another agency that has information on their files under my name to prevent me from being able to rent property. This leasing company received this information from XXXX XXXX with XXXX XXXX  in XXXX VA. XXXX XXXX is the most racist person I have ever come in contact with besides the XXXX and XXXX XXXX XXXX XXXX I am and have experience many forms of harassment from the police since while living here in XXXX and XXXX XXXX VA. There goal has always been to keep me from jobs, employment, and speaking out against the wrong that they practice against me daily. My complaint is for now against XXXX XXXX and Experian. XXXX XXXX  information is not accurate because I have paid all I owe to XXXX XXXX. I was involved in a car accident that left me injured and I needed physical therapy. I was unable to work. I explained myself to the leasing consultant. I did receive a settlement from my attorneys and paid all that was owed. Experian is refusing to update fraud alert on credit report and or file. In order for me to have a place to live the company has to verify my Rental History. Please assist with this. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-12-12
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 {$590.00}, {$0.00}, {$370.00}.

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 {$590.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Movement Mortgage LLC (SC)

On or about XX/XX/2022 a mortgage lender did a hard inquiry on my credit score. I was applying for a loan. For the past 2 weeks I have yet to hear back from the lender I was going to work with. I am wondering if I can remove the credit inquiry that was recently submitted on behalf of Movement Bank.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.cal.XX/XX/1995), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED
Consumer complaint received 2022-09-22
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. (IL)

In accordance with the Fair Credit Reporting act my XXXX Account # : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions and permissions.
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX placed a XXXX account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of XXXX or more points for some money that is not even owed.
Consumer complaint received 2023-06-27
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)

Hello, I have a credit card name XXXX on my credit report which is not opened by me its and fradulent account that shows on my credit report. Please remove the fradulent XXXX  credit card account.XXXX credit card is fradulent account opened on my name
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To whom it may concern There is data on my consumer report that is a result of identity theft. I did not provide XXXX explicit written permission or instruction for identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked AND deleted. My request to block is not being made in error ; nor is my request to block being made based on material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as a consumer. 
XXXX | XX/XX/XXXX AVANT | XX/XX/XXXX XXXX XXXX EMPLOYEE | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX | XX/XX/XXXX You are required to do what I am asking, delete and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX ; XXXX
Consumer complaint received 2021-11-11
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: CITIBANK, N.A. (LA)

yesterday on XX/XX/XXXX i received a hard inquiry from a CBNA company that i know nothing about i didnt fill anything out that can be on my credit report as of now i really don't know where it came from and hoping it can be raking off ASAP
Consumer complaint received 2021-11-11
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. (CA)

XXXX XXXX or XXXX XXXX continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because XXXX XXXX or XXXX XXXX failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and XXXX XXXX or XXXX XXXX didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted XXXX XXXX or XXXX XXXX and they told me theres nothing they can do to fix the issue. I spoke with XXXX at XXXX XXXX or XXXX XXXX on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.
Consumer complaint received 2023-03-03
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. (NJ)

XXXX is currently showing 120-149 days past due, Equifax is currently showing 180 days past due and XXXX  180 days past due ( with 120 days on XXXX and 120 days on XXXX ). Which is not correct, I have provided a document that XXXX XXXX XXXX legal team sent me stating that on a going forward basis reporting to the Credit Agencies ( XXXX, XXXX, Equifax, etc. ) would show up as a Covid protected status. This is a legal document provided by the creditor and for thus has to be honored. XXXX XXXX XXXX has continues to use abusing predatory lending practices by reporting 120 days plus late threatening repossession through an acceleration letter requesting the full amount. XXXX, Equifax and XXXX are at fault by not conducting a thorough investigation and just letting XXXX XXXX report on my credit report 120 days plus late. The report should have a Covid 19 protected status on a going forward basis ; XXXX XXXX did not provide an end date in this letter to me, therefore it should remain in that status as this letter came from their legal department signed by XXXX XXXX Regulatory Compliance and is now a part of the contract on how reporting is conducted.
Consumer complaint received 2020-12-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections (ID)

On XX/XX/XXXX I was notified that I had a new high impact collection on my transunion credit report by bonneville collection XXXX. The amount owing was the exact amount I owe for a debt to Idaho connections credit from a car loan that I stopped paying on in XX/XX/XXXX and is due to fall off my credit XX/XX/XXXX. I was very confused how the same debt was being reported on my credit twice. The following morning I contacted bonneville to get clarification and they confirmed they were indeed trying to collect the XXXX car  debt and it wasnt there problem if it was on my credit report twice. I questioned when the debt would fall off my credit, although I would still be responsible and the debt collector told me I was wrong it would not fall off 7 years from my last payment that since her off had revived it in XXXX of this year she would continue for the next 7 years to make sure my credit was impacted. I attempted to contact XXXX  as I couldnt believe this information. XXXX at XXXX sent an email saying that she would have the XXXX account flagged on my account, removing it but allowing bonneville to continue to pursue me for the next seven years and hurt my credit even though I have paid that price for the last seven years all ready. I contacted transunion and spoke to a representative about this and was told all I can do is dispute it as debt collectors constantly do this.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AL)

I requested that National Credit System validate an account for XXXX XXXX Apartments. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. However, a different collection company is sending me letters in the mail trying to collect on this same account. The other collection company is XXXX XXXX. So there are two companies trying to collect on the same debt. National Credit System is reporting the account on my credit report with a balance and has not validated the account to prove that they own the account or that I owe this debt.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Re:1. I have never been late with payments on this account. 
CAPITAL ONE AUTO FIN Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX I noticed 4 charges hit my account that I did not make nor authorized. I immediately called Chime and reported the charges as fraudulent. Chime canceled my card and sent me a new card. However sine the charges where still pending I was told they either would not go through as they were alerting the merchants of the fraudulent charges but if the did ho through since I had contacted the same day the charges were made I would be credited for the fraudulent charges. Well on XX/XX/XXXX I still had not been credited as all 4 charges went through, so I called Chime who told me they now had to file a dispute and it would take up to 10 business days to get my money back. Less than 24h later on Saturday XX/XX/XXXX Chime sent me notification my disputes were denied even though they were aware the card was stolen. I reached out to the merchants directly and they all let me know they would investigate but questioned why they did not get notified by Chime of the fraudulent charges or from XXXX. I explained I filed a dispute and they all confirmed they had not received anything until I reached out. So Chime is allowing employees to decide without doing any due diligence in investigating whether or not you get refunded for unauthorized charges. I have spoken to Chime several times and have got nowhere in getting my money back even though they knew immediately the charges were fraudulent. Honestly I am now questioning if somebody in there dispute dept is involved in the theft, since they refused to investigate and denied my dispute less than 24h later on a Saturday a non-business day. I have had my account with Chime sine XXXX so its not a new account and my whole paycheck gets directly deposited into my Chime account since XXXX. Although the {$75.00} in fraudulent charges may be insignificant to Chime, to me and my family {$75.00} meant I am having to skip eating so my kids can eat because I dont have the money to feed us all so that {$75.00} means a lot to me. I just want what right and thats to have my money returned for the charges I did not make but Chime continues to refuse to help, which seems odd to me based on my dealings with other banks who took fraud charges seriously. I believe their in violation of the Electronic Transactions Act Regulations E and request your assistance in getting my money refunded.
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

I am the victim of fraud. While I was researching XXXX XXXX, I saw a XXXX LIVE video today at XXXX XXXX XXXX XXXX By who I thought was the XXXX XXXX, and it had a free coin giveaway, where if you send coins, you get double back. I sent XXXX XXXX coins, that is {$6400.00} USD worth today, from my https : //pro.coinbase.com account, to the wallet address listed below. 

The website that I went to ( that was being advertised on XXXX, below the LIVE video, was XXXX : XXXX The scam artist 's wallet address is : Destination Address : XXXX Transaction Hash : XXXX