davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (FL)

when I was XXXX XXXX XXXX I went to XXXX for the car they end of picking the car for me. No one explained the contract to me it came with extra fees and a false contract none of the information on the contract is true. Under ( TILA ) ( ECOA ) ( Title X of the Dodd-Frank Act ). 15 usc 1681 ( I ).
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I AM A FEDERALLY PROTECTED CONSUMER. And in light of the recent investigations brought upon EQUIFAX. I find my consumer file is irresponsibly tampered with. Ever since the first EQUIFAX BREACH XXXX.I have made several attempt to remind EQUIFAX of there DUTY PURSUANT OF 15 USC 1681. It appears EQUIFAX is intentionally and willfully being neglectful in remedying my affairs. 15 USC1681E ( B ) assures that I am due promised accuracy in my report based on FEDERAL LAW. This is another attempt by going thru the CFPB to have errors corrected on my consumer report 15 USC 1681i ( A5 ) SAYS that after all reinvestigations all the unverified information be removed. You can see in your system that these accounts I list below that were previously disputed without being thoroughly investigated thus I know that it cant be verified or validated ''. EQUIFAX DELETE THESE ACCOUNTS XXXX ACCT #, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX.
Consumer complaint received 2022-08-06
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. (WA)

These accounts have all been removed from my XXXX credit reporting account I would like XXXX, and Equifax to do the same for the following accounts XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I requested a debt validation letter from XXXX XXXXXXXX XXXX  Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing it.
Consumer complaint received 2022-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

I have received phone calls and correspondence from a collections company XXXX XXXX XXXX XXXX ) attempting to collect funds for an account associated with one of my emails. I never created or opened an account with the source company ( PayPal ) with that email and have confirmed that with PayPal. I have submitted a fraud affidavit and am taking needful alert steps on my credit report. It's a small amount. This entire situation doesn't seem to make sense.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (NY)

I have recently been disputing accounts on my consumer credit report furnished by Equifax. I have informed Equifax that I am not aware of the opening of XXXX XXXX account on my report. I have also informed Equifax that my information was stolen in the XXXX  data breach which what the same year this account was opened. Now after hearing the news of Equifax violating others consumers just like me I have become gravely concerned about the ability of Equifax to continue to report data accurately and completely. I have sent numerous disputes to Equifax over erroneous accounts on my report. When Equifax responds through mail to my disputed accounts they simply send reports stating what has been verified with no description of the procedures they used to verify the account. When I call into the call center I am presented with representatives that do not know the laws of the FCRA. I am left to explain my dispute orally to an agent of Equifax that clearly places Equifax company policy over federal law. Pursuant to 15 USC 1681i ( 7 ) A consumer reporting agency SHALL provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. OnXX/XX/XXXX I mailed into Equifax the attached file/letter requesting my rights pursuant 15 USC 1681i ( 7 ) The 15 days required by law have come and gone. In turn I send out another request for the description of reinvestigation procedures which was also ignored by Equifax. I was then forced to file an identity theft report on the accounts reported by Equifax that I did not initiate. On XX/XX/XXXXI filed an Identity theft report FTC Report Number XXXX claiming the account XXXX XXXX to be the result of identity theft. Bear in mind that pursuant to 15 USC 1681c-2 ( a ) Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- I have sent in all proper identification through my CFPB compliant ( XXXX ), I have mailed in those same documents through certified mail return address and I have contacted Equifax orally through phone. I spoke to a representative of Equifax named XXXX # XXXX today XX/XX/XXXX and was told that they never received my identity theft reports and they verify accounts based on information matching, they do not actually do a investigation or a reinvestigation, they just check to see if the information matches mines. This is a complete violation and mocking of the FCRA. So Equifax willfully admits violating the rights of consumers. They way my disputes have been handled is clear and plain to see. Why have my requests been ignored? This is basically just another case of Equifaxs disregard for consumers,
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

Hello, I signed up for a Chase Credit Card through Amazon.com. After months of trying to understand why my balance was not moving down, I realized the statement date was the XXXX, but the due date for the payment is the XXXX. I have been paying {$35.00} late fees on a {$35.00} minimum balance. I contacted Amazon & Chase, whom both quickly offered a {$35.00} refund, however, this concerns me that there is an issue with predatory lending. It takes 5 minutes to sign up and get approved for a card on Amazon, and even less than that to spend money on their website. Chase intentionally makes the billing process confusing by making the statement date different than the payment date. Additionally, during COVID, mail was delayed, so by the time a statement arrived, I was already days late making a payment. This has damaged my credit and amassed enormous fees that prevented me from paying down a simple {$1000.00} balance. I feel taken advantage of, and others probably are too. Please look into this and consider making a flat fee+interest on cards -- 100 % of the minimum fee should not be legal. This is predatory lending, and I let Amazon know this damages their brand. 

Thank you
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (UT)

Baclays bank of Delaware is the card provider in question. They posted a late payment on XXXX and XXXX of 2022. I contested the information cause I never got an bill and I havent used the card in years. They removed the late payments and corrected my credit report. I am buying a house and the lender needs a letter from them stating that the XXXX and XXXX late payments were posted in error and corrected. Also in the letter have there letter head and account number in question. They refused to do so. Ive called many times and all their employees tell me they can not provide me with that letter. All I need at this point is a letter stating that they repaired what they already did. They told me they couldnt provide me with the letter cause I dont have an account with them any more and if I opened an account with them again they will provide it for me. I dont want to be forced into getting a card with them. Also I am been out in a place that I would have to come up with {$87000.00} extra on down payment to able to buy the house since this letter is not made available to me for my new lender to be able to pull my credit and re score me.
Consumer complaint received 2022-04-20
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. (AZ)

I have a both a fraudulant collection and inquiries on my TransUnion. I have tried going direct to bureau and companies to have this removed. They have already been removed on my experian for the same reason and I have the right to an accurate credit profile according to the FCRA. 

Collection account - XXXX XXXX XXXX  ( {$570.00} ) Fraud Inquiries - XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX / XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-08-06
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. (TX)

I am writing to delete the following information in be 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 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 Commission 's Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (OR)

Hello, My name is XXXX XXXX and I am writing to XXXX and SIMM Associates , Inc. regarding a debt claimed to be owed by me. It is claimed I owe {$200.00} when this is not true. XXXX attempted to send funds using a card that I had suspended due to theft and fraud. When they found out that this card was not functioning, they sent {$200.00} anyways and claimed that I owed them this money. XXXX did not consult me on sending funds on my behalf and did so without my permission. 

I disputed this transaction with them then and I am disputing it now. Through their own internal review of this transaction they still have been calling me and emailing me incessantly to pay an amount they sent without my permission. I do not owe these funds and I want this debt collection case dismissed. 

There are multitude of class action lawsuits against XXXX at this present moment regarding these issues. This is not okay to do this to consumers and users.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. ()

My card was locked and flagged for fraud due to calling in and trying to figure out how to set up a pin after I was not able to withdraw cash from an ATM with what I thought was my pin set up during activation. 

I was then on the phone for over an hour on XXXX XX/XX/2022 to unlock my card ( which was a mess in itself : citi on my home phone, dad on the cell through XXXX ), I was told the card was unlocked and was good to use again. On XXXX XX/XX/2022 I tried making a purchase and was denied again and was told to call Citibank. 

I am a U.S. Service Member XXXX XXXX XXXX XXXX XXXX  The first time I was able to unlock my card, I had to have citi send a verification pin to my father ( whos number has never even been associated with my account ) who is in XXXX XXXXXXXX who then relayed it to me. I cant do that every time and I dont have access to XXXX XXXXXXXX XXXX ( for example the most recent denial was at around XXXX XXXX XXXX XXXX XXXX XXXXXXXX, calling someone in XXXX  XXXX XXXX relay a verification PIN at XXXX in the morning is ludicrous ). Smaller banks than citi have figured out how to text verification codes to my XXXX number, I am baffled that citi doesnt also have such a service. I get it that citi has ~ $ XXXX net worth, but to complete refuse to service a select group, such as XXXX citizens XXXX  with no/extremely complicated or limited access ( through a family member or friend ) to a XXXX number , is crazy to me. 

Likewise, the solution of mailing the verification pin is not reasonable because the military mail system ( run through USPS ) takes exponentially longer than mailing in XXXX  XXXX. 

I am stationed in XXXX due to my service in the XXXX. I will be using my card around XXXX ( for at least the next XXXX years - unless I cancel because of this rigmarole ) and cant continue getting denied every time. 

This most recent denial ( XXXX XXXX ) resulted in an email being sent to me asking if it was my activity or not - to which I answered yes and then tried reprocessing. It was still denied after the citi website said I was cleared to re-process the payment Citibank either needs to figure out how to not lock my card unless I ask for it, or how to verify with numbers outside of XXXX XXXXXXXX this is ridiculous.
Consumer complaint received 2023-03-06
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: CREDIT ACCEPTANCE CORPORATION (AR)

According to the fair credit reporting act this creditor ; has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an OPEN consumer credit plan, as late under any purpose.
Consumer complaint received 2021-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

I'm writing this complaint to inform the CFPB of an adverse action take against me a consumer. I've been a valued member of American Express for some years now and had no issues concerning my open end credit plan until now. I was 9 months pregnant and my due date was approaching and I had a family emergency. The primary purpose of this open end credit plan is primarily for personal family and household use. I needed to use my credit card to pay a unexpected bill that occurred because of my pregnancy and also to get some more things before my babygirl arrived. I was expecting any day. I tried to use my credit card and was shocked when the transaction denied because I double checked the balance to ensure I had the money available. I tried again and it didn't go through so this is when I became very alarmed. I was in the middle of an emergency and could rely on my open end credit plan at the moment I needed to most. The original limit on my open end credit plan was XXXX I then opened the app to my credit card account and see that American Express had decreased the limit to XXXX on my open end consumer credit plan without proper authorization or consent. I was shocked by this jus suddenly happening to me with no reason or explanation. I immediately felt sick, I was 9 months pregnant and hit with sudden financial injury. I spoke to several representatives who informed me that I had to pay them in order to get the limit I needed back. This is an Adverse Action and they are Guilty of taking 1 count of adverse action against me on XX/XX/2022. I am the beneficiary for the open end credit plan, American Express decreased the limit to my opened end credit plan but they have no authority to do. this was unauthorized use pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Here are the following accounts which has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.