davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Portfolio Assets (AZ)

A family member 's phone number was called by a man named XXXX XXXX who said he worked for XXXX XXXX XXXX and at first said they needed to speak with me or to my attorney in a message on their answering machine. When I was played the message, I contacted them after doing a web search of the phone number to discover they 've been harassing other people into paying old debt that has gone past the statute of limitations, supposedly scamming them, and even gone to the length of harassing people just because they have similar names with people who incurred debt. I even listened to some of what they had to say and did not recognize names of any companies or addresses but the year they named being 2006 of when the debt began. That would make it well over 10 years for whoever incurred it and that goes beyond the fair debt collection practices of 7 years which would make it time barred. I feel sorry for the people they 're still seeking to do that to, there are laws in place meant to protect the consumers after so many years have went by and this creditor is violating those laws.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (IL)

I am filing this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove an unauthorized inquiry from my credit report. Despite my repeated requests, Equifax has not provided verifiable proof of authorization for an inquiry by XXXX XXXX, dated XX/XX/XXXX. This inquiry lacks a permissible purpose under the FCRA, and Equifax 's refusal to remove it is a violation of federal law.I REPORTED THIS CASE TO THE FTC THROUGH REPORT NUMBER XXXX, DATE XX/XX/XXXX XXXX. Initial Request to Equifax : I requested proof of authorization, such as a signed document, to verify this inquiry. Since no proof of my authorization exists, I requested immediate removal. 
2. Complaint to the CFPB ( Report # XXXX ) : Due to Equifaxs lack of response, I filed a complaint with the CFPB on XX/XX/XXXX. 
3. Equifaxs Response to the CFPB : On XX/XX/XXXX, Equifax responded, stating that inquiries are factual records that must remain on file for two years. However, they failed to provide specific proof of authorization for this inquiry.

Violations of the FCRA by Equifax : Under the FCRA, unauthorized and unverifiable inquiries must be removed. Specifically : Section 604 ( 15 U.S. Code 1681b ) : Requires a permissible purpose for accessing a consumers report. Equifaxs inability to provide proof of authorization violates this requirement.

Section 611 ( 15 U.S. Code 1681i ) : Mandates the removal of unverifiable information upon dispute, which Equifax has failed to comply with by not validating the inquiry.

Section 609 ( 15 U.S. Code 1681g ( a ) ( 1 ) ) : Requires that a consumer be provided with verifiable proof of authorization upon request, which Equifax has not provided.

Given Equifax 's lack of compliance, I demand either verifiable proof ( a signed contract ) authorizing this inquiry or its immediate deletion. Failure to resolve this matter within 30 days will result in escalation to appropriate legal channels to ensure accuracy in my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
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. (MI)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$1800.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I received a text from XXXX regarding a package being temporarily detained. It wanted me to clear the parcel by confirming the zip code address in the link that was listed below. I clicked on the link thinking it was for a skin care item I recently ordered. I then got a fraud alert text message from Schools First Federal Credit Union and replied valid thinking it didnt recognize me clearing the parcel. This occurred on Friday the XXXX. On Saturday the XXXX I was at the grocery store and my card wouldnt work due to my limit being reached. This was strange because I did not purchase anything that day other than balloons at party city. I looked at my account and all of the money from my XXXX account was taken ( about {$500.00} ) and they also pulled {$3500.00} from my savings account. I locked my card and I called XXXX XXXX immediately and told them the situation. At that time the fraudulent charges were pending. She recognized the XXXX scam right away and locked my card as well as worked with me to file a fraud claim. She stated that the claim was made but since there were so many charges, the last XXXX would have to be added additionally. The schools first representative removed the charges and returned the fraudulent charges back to my account. However, the next day my balance was {$0.00} and the money was removed. I called again the morning of XX/XX/XXXX to ensure that all the charges were put on the claim. He made a statement confirming that all the charges were identified as fraudulent and were added to the claim. From here, he stated we would be contacted in the next XXXX hours. The fraud claim department called me the morning of Tuesday, XX/XX/XXXX and stated that this situation would not qualify for a fraud claim to get my money back since the fraud alert text message was confirmed. How is this possible if schools first is aware that they are fraudulent charges?
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: TRUIST FINANCIAL CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear REGIONALAC, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX consumer protection and identity theft laws. 

It has come to my attention that REGIONALAC has engaged in unauthorized reporting of my personal information to credit agencies without obtaining my explicit consent. Under federal law, specifically Section 1681b ( a ) ( 2 ) of the FCRA, consumer consent is a legal requirement for the reporting of such information. 

In addition to federal law, XXXX law under the Revised Statutes of XXXX XXXX XXXX ), Section XXXX, defines identity theft and fraud as the unauthorized use of someones personal information, including in relation to credit reporting, and provides for penalties in cases where unauthorized actions result in harm to the individuals creditworthiness. Missouri statutes also support the fair and accurate reporting of credit information and offer legal recourse for consumers affected by fraudulent or unauthorized activities. 

I affirm that I have not given REGIONALAC any consent to report information to my credit report. This unauthorized action constitutes a violation of my rights under both federal and Missouri state laws and has the potential to damage my creditworthiness. 

I demand that REGIONALAC immediately ceases all reporting of information to my credit report without my explicit consent, in accordance with Section 1681b ( a ) ( XXXX ) of the FCRA and XXXX identity theft and consumer protection laws. Failure to comply within the specified XXXX period will be considered willful noncompliance, which is subject to penalties under both federal and state laws, including XXXX identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri laws protecting consumers like myself from unauthorized and harmful credit reporting. I expect REGIONALAC to take immediate corrective action to rectify these violations. 

Done in good faith.
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

On the XXXX XXXX site, the credit card is shown and says if you apply for the credit card you can get XXXX dollars credited to your statement if you sign up now. I was booking my flight so I applied for the credit card and it said I was approved, but didn't send me a temporary account number. I logged on to Citibank, which showed 11 X 's and my last 4 digits to a credit card. I called Citibank to use the card to get my flight ( flight prices change daily and during the day ). They first said they couldn't find my information and then they said it would a few days until the credit card was processed. I hung up and then called them again to cancel. They said I couldn't cancel the card because the card was being processed. I can't use the card to buy the ticket and get my XXXX dollars off and when I cancel the card my credit score will go down. Today is XX/XX/XXXX and I applied for the card at about XXXX pm.
Consumer complaint received 2024-11-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

I recently was notified that a debt collection was placed on my credit report for {$870.00} for money I owed to XXXX XXXX XXXX. I have not had an XXXX XXXX XXXX mobile account in more than 10 years. When I closed my mobile account with them, paid whatever balance was due and closed the account. The current one I have is for our XXXX subscription is up do date and current. I have never been informed of any debt with our current account. A few months ago I was notified of a collection agency who attempted to collect a similar debt from me. I disputed it and it was resolved and removed from my report. This appears to be a similar occurrence. They have my address listed to an address in XXXX and I have never lived in XXXX. I contacted XXXX to report this debt as fraud and they advised that I file an FTC report.
Consumer complaint received 2024-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (TX)

Barclays Bank DE opened a credit card using my personal information, I did not apply for this card and have been in contact with them on numerous occasions, In XXXX I called and while on the phone with them the account balance went from {$3000.00} to {$15000.00}, I put in a complaint with XXXX and Barclays Bank said the account belonged to me. 

I can see that there was a payment in XXXX, I assume they would be able to follow that payment to see who opened this account. ( Card ending XXXX )
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

This is a formal complaint of reporting information under 15 USC 1681e ( b ). According to the IRS, canceled debt ( Charge Off ) is gross or ordinary income. Income does not get reported on your consumer report. This means the ( Charge Off ), on my reports are inaccurate. These are the companies and account numbers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Amount {$18000.00} ( Account Closed ) ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Actions : Called only, no resolution.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

Last week I had sent money through XXXX to my son, and transferred the rest of my XXXX check to my citibank. I later realized that I got an email saying XXXX  was un-enrolled, and then my account was unable to be accessed. After calling, the person on the phone told me that their was nothing he can do, and that I had to call XXXX. Today, I learn that my account was permanently closed, but that their was nothing they can do besides wait for a letter. 

When I initiated the transaction for the rest of my XXXX check, it was the majority of the money I had for the rest off the month in order to pay off a fee bills for my mortgage. However, this was the same day my account was restricted, so I told citibank XXXX  on that day that I will follow all the steps required, but that check was my XXXX check, please cancel the request because if I can not access your guys bank, I can not access the money. The representative confirmed with me that THEY WILL NOT go through with the transfer, and that it will bounce, THEY TOLD ME that nothing will happen with that transfer. Come to see that they over-drafted my bank the full amount of the transfer leading it to be negative and have a fee. I contacted them today, letting them know I am permanently XXXX so I can not visit a branch, I can not even walk, and that it my social security money. They said their is nothing they can do, even though they lied to me and said this transfer would not go through, in order to just hold the money for themselves. I provided below proof of the phone calls, my XXXX, how this is my XXXXXXXX XXXX check that they are putting on hold and not letting me access. Lastly, I would like to note the only reason that my bank account is negative is because I XXXX XXXX  to my son from my XXXX XXXX  AFTER the rep confirmed that money will not be taken, not before, as the time stamps from the phone calls I will provide show. I let them know that I am permanently XXXX to, and physically can not leave my room, let alone walk to a branch that they told me to do, I am to sick to travel out of state to another branch. I added my hospital records showing I am XXXX, because even though they took the money after stating they wont, the representative told me the only way to now access my social security money, is to go to a branch. That hospital record shows I can not, as I can not even leave from my bed most times without assistance.
Consumer complaint received 2024-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX I received two XXXX one for XXXX and XXXX XXXX is closing my account because they said too many XXXX deposits. First they said due to close XX/XX/XXXX now its XXXX Every time I call Im getting different reasons why Im unable to close the account and get the {$7800.00} thats in my account.
Consumer complaint received 2018-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX credit report and was notified of an inquiry made into her credit file 4XX/XX/XXXX by Capital One/XXXX XXXX ; this was done without her consent. An official dispute of this was mailed to that office XX/XX/XXXX ; however that office failed to follow FCRA guidelines and investigate the inquiry any further. As of this date the inquiry still remains on my clients credit report. This action is a violation of FCRA.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (DE)

Upon checking my credit report I noticed that a collection agency by the name of Diversified Adjustments Service , INC. had reported a debt in the amount of {$710.00}. On XX/XX/2018 I sent a direct dispute to this collection agency requesting Validation of the debt with an original contract bearing my signature and a agreement with the creditor that authorizes them to collect on this alleged debt, complete payment history and proof that this agency is licensed to collect in my state. I received a letter dated XX/XX/2018 labeled as " Itemized Statement " showing no contract or anything for that matter with my signature on it but a list of charges totaled at {$710.00}. On XX/XX/2018 I sent Diversified Adjustments Service, INC. another certified letter stating again to send me validation of debt and original contract bearing my signature by XX/XX/2018 which they have still failed to do and if they could not do so completely delete and remove this collection from my credit file with XXXX, XXXX and XXXX XXXX. I have the right to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) and this company has failed to provide me with that. After sending them the second letter on XX/XX/2018 I have not heard anything from this company but the information still remains on my XXXX, XXXX and XXXX XXXX credit file. I have attached all means of communication from me and Diversified Adjustments Service, INC..
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Total Card, Inc. (NM)

Total Card, Inc is representing the creditor XXXX XXXX, XXXX that is trying to collect on an old debt for a XXXX XXXX bill dating back toXX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from Total Card, Inc dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.
Consumer complaint received 2024-11-26
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: CITIBANK, N.A. (PA)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.