davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

In XXXX of 2022 Seventh Avenue reported to the credit bureau 's that I owed them {$150.00} for an order that was placed on their website. I had never heard of this website, did not order anything, and did not receive a package. When I looked further into it they had completely gotten my gender wrong by saying it was for a " XXXX '' ... .I 'm a XXXX. It also was addressed to an address I haven't lived at for over 2 years. When I disputed this with XXXX, I also took the initiative to call the company and ask about it myself. I have a recording with a representative of Seventh Avenue 's billing department where they state that the issue has been looked at and will be removed from my account. It is now saying that it is my debt and is continuing to impact my credit. I have been lied to and mislead. Upon looking at other reviews it looks like this is a common tactic that the company uses to force people into debt with them. This company needs to be investigated.
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I have disputed this account several times with Experian they are refusing to take it off my credit I have did everything to get it off my credit I have sent letters stating that it isn't mine every time I send them they say they haven't gotten it. This is getting out of hand, I cant even apply for anything because its reporting negative on my credit report. Im at the point where if it doesn't come off my credit I'm going to sue them.
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : Jefferson Capital Systems Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Dear Jefferson Capital Systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
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. (NJ)

My CITI card has a Virtual Account Number system. I called to dispute a charge made on a VAN for {$18.00}. It is easy to close a compromised VAN and the whole purpose of the VAN system is to limit access to the main card number. There is no issue with the main card number, however, Citi has decided to block me from using the card at all. 

Over the succeeding 2 hours, Citi has repeated assured me on the phone that my card is fine, however, their website continues to indicate that there is a " hold '' on my card for potential fraud. There is no potential fraud. 

This is something that Citi has done before and their desired endpoint seems to be getting the consumer to open additional Citi accounts ( checking etc ) to " make it easier to verify ''. 

I suggest avoiding them.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (IL)

A fraudulent charge, of {$83.00}, was made on XX/XX/2022, from my checking account by the merchant name " XXXX XXXX XXXX XXXX XXXX, XXXX. '' It also charged an international transaction fee of {$0.00}, as my bank account is Allybank in the U.S. 
As I have never had any kind of relationship with the merchant, it is apparently a fraudulent charge by the merchant or transaction made by a scammer using my account information. 
Ally bank initially credited provisional money {$83.00} for the fraudulent transaction. However, Allybank ruled in favor of the scammer on XX/XX/2022 and took the provisional money back from my account. 

I called multiple times to request the evidence they used to make the decision, however, they continuously told us to wait until they called back, and failed to present the evidence they used to make a final decision. 

Ally bank made an unjust and irrational decision, and owes me {$83.00}, and it has caused my account balance to drop to below {$0.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct number XXXX is in violation of my rights. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX is in violation of my rights. 
In accordance with the XXXX XXXXXXXX acct XXXX has violated my rights. 
In accordance with the XXXX XXXXXXXX XXXX XXXX acct number XXXX and XXXX XXXX acct number 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 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (MA)

I received a XXXX XXXX XXXX XXXX in the mail on XX/XX/2022 that I never applied for. I called the company the same day and was informed of 2 charges totally {$9600.00} on the card. These charges were made for rent in XXXX XXXX  state and I live in XXXX. I told the company that I did not apply for the card. A fraud investigation has been started and Wells Fargo is " researching possible unauthorized transactions ''. I have also filed a police report with the town that I reside in.
Consumer complaint received 2022-08-29
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. (LA)

In accordance with the fair credit Reporting act XXXX Account with late payments, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-29
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: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems of which I have no signed contract of business with keep reporting and verifying inaccurate information with the credit bureau 's I have disputed this for 3 years. This company is reporting a date of XX/XX/XXXX amount {$1800.00}. This was an unrelated business with Transworld Systems court settled dated XX/XX/XXXX dismissed amount {$1300.00}. Transworld has verified a fraud unauthorized signature of which I have and verified fabricated amount to the credit bureau 's. I've never signed any contract with this company. The inaccuracies are clear ( note : dates and amounts ) and must be permanently removed under the law of fair consumer reporting act, I've even sent the credit bureau 's court document. I want this removed immediately this has caused unnecessary housing hardship for me along with stress.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX NOTICE REQUEST FOR XXXX RE : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX It is my belief that the information on the consumer report is reporting inaccurately or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation. 
Please verify this information is reporting accurately or completely. I am disputing the Date of last payment and open date XX/XX/XXXX. 
Once verified please send a copy of my credit file. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AZ)

I applied for a US Bank business credit card on XXXX. On XXXX, my application for the US Bank XXXX XXXX XXXX credit card was approved. The card was mailed and arrived a few days later. I was unable to activate this credit card due to a hold US Bank had placed on my account on the same day my application was approved due to fraud concerns. Over the next couple weeks, I went back & forth with US Bank in an attempt to resolve this issue- including visiting a branch manager and having him fax personal verification documents to US Bank XXXX verification team. On XXXX, US Bank shut down all of my open accounts ( checking and credit ) with them due to concerns of fraud. I was upset by this decision and have attempted to reach out to them since with mixed results. While I disagree with their decision to close my accounts for fraud concerns and terminate our relationship, I respect that it is their choice as a private institution. What I do not respect, however, is that US Bank billed me for the annual fee on the XXXX XXXX XXXX credit card. I called in on XXXX to discuss the account closure and was informed that the annual fee on my XXXX XXXX XXXX credit card would not be charged. That information was incorrect and the annual fee had not been removed by XXXX. I called US Bank again and spoke to XXXX who said she would attempt to get the fee removed. As of the filing of this complaint ( XXXX ), the annual fee has not been removed from my outstanding credit card balance, and I sent in a payment because today is the due date. 

In summary : US Bank approved me for a credit card, sent me the card, locked my account so that I could not activate the credit card, charged the annual fee to the card balance, closed my accounts, and did not remove the annual fee from the card they approved me for but never let me activate.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IA)

I spoke with Chime XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in regards to my missing money. Each representative states that they can agree 100 % my money just vanished they have said they researched every possible error that could have occurred or a explanation but they are not sure where other then a glitch. They put supervisors on the phone and they tell me the same thing with no explanation on where my funds went or give it back to me or they continue to put me on hold every 3 minutes and then hang up. They keep saying they will escalate the call but have been doing this since Thursday, my rent will not wait because my money is missing out of a banks hands. Sometimes they are telling me I had a balance owed on my credit builder however I received a email XX/XX/XXXX stating my balance to credit builder was paid off.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (AZ)

I made a charge on my Macy 's card back in XX/XX/2020 in the amount of {$100.00} as part of an incentive. I never carry a balance on my cards and had not used my card in some time. I immediately paid the balance of {$100.00} XXXX weeks after making the purchase and prior to getting my statement from Macy 's. I paid via XXXX Account and verified that the check had cleared my account. Macy 's never applied the payment to my account referenced above. Once I received my statement showing balance still owed I discovered that the amount was not applied to my account because check was sent to a different Macy 's address. Once I figured that out, I authorized XXXX to pay the amount again and they deducted it a second time from my account. 
Macy 's has now been paid twice, they hit me with late charges through this process and because of that they sent it to collections and charged me further fees associated with the collections.

I never received any information from any collection agency proving proof I did not make the payment as they did not have access to the payment history within Macy 's. I NEVER received any type of Dunning Letter stating that they were going to send me to collections. I only discovered it when I went to take an auto loan out and my score had dropped from High 700 's to Mid 600 's. 
Because Macy 's is unwilling to work with me ( directing me to work with the collection company ), and the collection company refused to remove the collection from my account because they said only Macy 's can do that. I am stuck in the middle with my credit damaged for a {$100.00} charge I paid prior to the due date.

I am demanding this collection be removed from my credit report and I am now filling a complaint with the CFPB against the collection company, Macy 's, and the credit bureau for reporting false information, for charging me late fees and collection fees unjustly, and for the damage it has caused my credit score and my ability to obtain additional loans.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The original creditor removed the information from my credit report, because it was fraud. 

Another company put it on my report and added fees, on top of that. 

For XXXX, the account was open with identity theft and if the original creditor corrected it on their end, why is a third party, trying to collect debt that was never theirs to start with and giving people a hard time to remove it. 

They need to be held accountable also, they are thieves, fraudulent and misleading the public.
Consumer complaint received 2022-08-29
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. (NJ)

My credit alert shows that someone is using my social security number for fraud activity Also my credit score went down XXXX points Although my credit is frozen The credit bureaus couldnt protect my information even when my credit is frozen.
Consumer complaint received 2022-08-29
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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.