davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (MS)

I was notified with a phone call from XXXX bank about a debt for a credit card for XXXX dollars on XX/XX/22 and I have never had a credit card from them I checked my credit report on XX/XX/22 and seen where they have reported me in collection for the money I told them that they gave the card to someone over the internet and it wasnt me my house at XXXX XXXX XXXX XXXX Mississippi XXXX was broken in a few years back and I have been having problems ever since with people opening accounts in my name they stole all my personal checks and information so they have my address and social security number and all and it seems like ever year I have to fight to keep my name and credit current
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was induced to wire {$48000.00} to XXXX XXXX a fraudulent foreign exchange broker. 
The transactions were for the following amounts to the respective parties : {$10000.00} on XX/XX/2021 to XXXX XXXX XXXX / XXXX XXXX XXXX {$18000.00} on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and {$20000.00} on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX XXXX I requested a return of my funds from XXXX XXXX, my bank ( Fifth-Third Bank, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
XXXX XXXX has returned the {$10000.00} wired to XXXX XXXX XXXX XXXX The XXXX XXXX  XXXX XXXX The fraudulent broker 's bank ) and Fifth-Third Bank ( my bank ) have disavowed any responsibility for the bank fraud.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a letter from Portfolio Recovery Associates , LLC on XX/XX/22 claiming I owe them {$11000.00}. ( Acct # XXXX ) I responded to the letter on XX/XX/22 requesting validation of the debt. I sent through USPS Certified Mail Return Receipt requested. I received the receipt showing they signed for it on XXXX XXXX. I requested the original creditors info, account number, total amount owed & when account was closed. I requested a copy of the contract / agreement signed by all parties stating that I owe this debt. I requested details about the age of the debt, including a copy of the last billing statement sent to me by the original creditor ; a detailed explanation of any interest added & payments made since the last billing statement and the legal authorization for the interest. 

The failed to respond with any of those items proving the debt is mine. I received a bill from the today there does not show any of this information. 

This debt is NOT mine and Portfolio Recovery has failed to prove otherwise. They failed to respond within 30 days to my debt validation letter.
Consumer complaint received 2022-06-24
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)

In accordance with the Fair Credit Reporting Act, XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated all my rights.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-06-24
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. (CA)

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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted all of the creditors also the XXXX major credit bureaus XXXX, Equifax and XXXX that XXXX reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted all of the creditors also the XXXX major credit bureaus XXXX, XXXX and TransUnion that XXXX reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.
Consumer complaint received 2022-06-24
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: LEXISNEXIS (GA)

On XX/XX/2022, I applied for a personal loan with XXXX. My application could not be approved due to " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. I have made several attempts to contact the creditor ( XXXX ) to ascertain why they were not able to verify my credit to no avail. I have called all 3 CRAs including XXXX LexisNexis and XXXX were frozen several years after learning that I was a victim of Identity Theft. These agencies were reporting incorrect and, fraudulent activity on my credit file that was adversely impacting my ability to obtain new credit. I haven't heard of XXXX until now. As a result, I attempted to place a freeze and Extended Fraud Alert on my credit report with XXXX but was unsuccessful ; the system would not allow me to submit the request stating it was unable to process my request. I even called and spoke to the consumer support department to try to get this resolved over the phone but was advised that I needed to mail in a copy of my identification, SS card, utility bill, etc for verification purposes. The question is, " how can you ( XXXX  ) as a reporting agency report inaccurate/fraudulent information on one 's credit report without first verifying that you are reporting to the correct person? It should not be the responsibility of the consumer to provide proof of identity ; hence, the burden should rest upon the data furnishers to provide accurate information.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (OK)

On XX/XX/2022 I received a physical document from Aspire credit card stating that I had been pre approved for a credit card and directing me to accept the card by completing a document on www.aspirecreditcard.com. 

Upon completion it did a hard inquiry of my credit report with XXXX which resulted in my credit score dropping from XXXX to XXXX ( according to XXXX ). The website generated a message stating that it would not grant the credit card, and autogenerated an email stating that my credit score had changed since the offer was sent and they would not honor the guaranteed, preapproved credit card. 

Now, I'm stuck with a hard inquiry on my credit report which has an actual monetary consequence to me. Various interest rates are dictated by my credit score so a XXXX point drop in my credit score may cost me thousands of dollars in the next two years ( the time it takes the hard inquiry to drop from credit report ), and Aspire has just lied to me and caused monetary damage to me. 

Further, they provide no mechanism for addressing the issue. The phone number listed on the document and their website leads to an automated call answering system with only a set of recorded responses.
Consumer complaint received 2024-08-25
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)

After taking a look at my credit report, I am very concerned. I have been a victim of identity theft. There are numerous inquiries on my credit report that are not associated with me nor did I authorize them. I am at a point in my life where I am looking to do more through acquiring a home and vehicle to help provide for those around me. Please remove these fraudulent inquiries from my credit report immediately. The fraudulent inquiries reporting are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

I was contacted during the Pandemic by Jefferson Capital Systems , LLC which said they purchased a credit card account I had with XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX had already inflated my credit amount ( by giving me incorrect balance amounts while on vacation and this card services allowed me to keep charging over the balance limited amount ) and the result was financially impossibility for me to settle. The XXXX card began to charge over the balance fees, late fees and some other charge fees. the balance was almost {$2000.00} over the limited. Then the Pandemic happened and I could not afford to pay the XXXX card. 

During the Pandemic Jefferson Capital System, LLC contacted me to create a agreeable settlement. I agreed to settle with a final 1 time payment of {$2100.00}. Purchased a bank check, after they drafted a letter which said the debt would be paid in full upon receipt of the proper check. See attached letter and proof from Jefferson Capital Systems , LLC This collections has messed up my credit with XXXX and XXXX XXXX. I sold my auto which had expensive repairs and often inoperable. Now I can not qualify for a auto loan because of this false collections. Auto loan companies use XXXX and XXXX XXXX... I have either been declined or received very high interest offers. Can You help? XXXX does not show this collection and my score is much higher ( Good status ) but auto loan companies do not use XXXX as I have been told. What a racket hurting the general public and making are life worse. Again can you help this XXXX single women?
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

This isnt exactly the category I selected but its the closest I could find. My fifth third bank account was hacked. The address and phone number on file were changed as well as the online banking password. This is a secondary checking account that I rarely use so I dont check it often. When I realized I couldnt login on XX/XX/22 I spent hours reaching out to fifth third, dealing with rude representatives and got the run around because I didnt have the phone and address on file, because it had been hacked and changed. I was finally advised that I had to go to a branch which was extremely inconvenient because fifth third is not prominent in North Carolina and its not close to reach a branch. I visited a branch and was able to review the transactions on my account. There was a {$10.00} XXXX transaction made on XX/XX/22, I have never used XXXX in my life. Later there was a mobile deposit of {$1400.00} on XX/XX/22 that I did not make and a check copy was not provided to me. Following that there was a XXXX transaction of {$400.00} and {$600.00} on XX/XX/22 as well. As stated, this is not my XXXX account nor my activity. On XX/XX/22 the check for {$1400.00} was returned and noted as fraud on the statement. This over-drafted the bank account resulting in several fees and rejected payments for reoccurring transactions. I received a letter dated XX/XX/22 that the dispute for {$1000.00} has been denied because they feel the transactions were valid. 

I am on XXXX as my only source of income. In XXXX, I had no access to my funds because they were used to cover the overdraft amount and now I will not be able to recoup any of that money. They will not assist in getting me access to my online banking so I am still in the dark as to whether or not additional fees are being added to the account as its likely still in the negative since they are denying my claim. 

On XX/XX/22 I filed a complaint with the XXXX and the dispute was reopened with Fifth Third. I spoke with a representative who confirmed that I was a victim of account takeover. He was able to access that the transactions were made in XXXX ( Again I live in XXXX, NC ) and also that several logins were done on a XXXX device, I have XXXX XXXX XXXX. I am sure this conversation can be confirmed as these calls are allegedly all recorded. I received correspondence today that the fraudulent activity has once again been denied.
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (CA)

Onemain financial I borrowed XXXX and I missed payments tried to pay so I could get back on track the constantly called several times a day for months sent letters and I finally refused to pay it cause I was being harrased on a daily basis with 15 calls a day
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc. (FL)

I paid AVANT CREDIT CARD LONG TIME AGO AND ITS BERRY IRRITATING WHEN THEY PUTTING WRONG INFO ON MY CREDIT REPORT LIKE IM SOME CRIMINAL THEY GONA HAVE TO XXXX FROM MY LAWYER OF THEY DONT REMOVE FROM REPORT ASAP
Consumer complaint received 2024-08-24
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. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.
Consumer complaint received 2022-06-24
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. (GA)

On XX/XX/2022, I applied for a personal loan with XXXX. My application could not be approved due to " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. I have made several attempts to contact the creditor ( XXXX ) to ascertain why they were not able to verify my credit to no avail. I have called all 3 CRAs including Clarity. XXXX and XXXX were frozen several years after learning that I was a victim of Identity Theft. These agencies were reporting incorrect and, fraudulent activity on my credit file that was adversely impacting my ability to obtain new credit. I haven't heard of Clarity until now. As a result, I attempted to place a freeze and Extended Fraud Alert on my credit report with Clarity but was unsuccessful ; the system would not allow me to submit the request stating it was unable to process my request. I even called and spoke to the consumer support department to try to get this resolved over the phone but was advised that I needed to mail in a copy of my identification, SS card, utility bill, etc for verification purposes. The question is, " how can you ( Clarity ) as a reporting agency report inaccurate/fraudulent information on one 's credit report without first verifying that you are reporting to the correct person? It should not be the responsibility of the consumer to provide proof of identity ; hence, the burden should rest upon the data furnishers to provide accurate information.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2022 XXXX to Remove Inaccurate Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : The following aliases are reporting incorrectly & need to be removed immediately : The following employers are reporting incorrectly & need to be removed immediately : By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing in regards to the inaccurate and unknown things on my credit report. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. I suspect the following accounts are reported in duplicate. This is a good-standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/201XXXX XXXX