davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
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. (CO)

A collection account for {$1300.00} appeared on my XX/XX/XXXX and Experian credit reports in mid-2019. I attempted to resolve this issue with the agency that reported the collection, XXXX. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with XX/XX/XXXX and Experian who both ruled the collection account was valid. I have received no information from XX/XX/XXXX Experian or XXXX as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at one point valid, it has been illegally re-aged on my credit report.
Consumer complaint received 2020-08-26
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: Recovery One, LLC (NC)

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed 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 XXXXXXXX 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.
Consumer complaint received 2020-08-25
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)

Hello, I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the fraudulent accounts reporting on my credit report. It was previously removed from my credit report but then reappear. Below I've attached the FTC report along with my Drivers license I purchase my XXXX  credit report and i can confirm that the items attached below are deleted
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$14.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXXXXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Avant Credit Corporation (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NV)

On Thursday, XX/XX/2020 at XXXX XXXX  Pacific Std Time, CBE Group contacted me via cellular phone. 

1. They are attempting to collect a debt that I do not owe.

2. Representative stated that they knowingly called a cell phone and are in violation of the TCPA.

3. Representative stated that she got my unlisted and private phone number from " someone '' but refused to say who or how. This is simply impossible. There are 1 of 3 scenarios that could have occurred to gather this information, and all 3 are highly illegal.

4. We're about to " unmask '' the truth. The public had better take notice. These are the types of criminals walking free throughout the USA.
Consumer complaint received 2020-08-06
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. (MA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

I been calling Home Depot since XX/XX/2020 to paid this collection. I'm in the process of escrow to purchase my new house and the lender denied the loan because this account shows on my credit report. I'm frustrate my intentions where to paid this old collection. this account is shown under XXXX/CBNA XXXX phone number XXXX XXXX XXXX my contact in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX cell XXXX XXXX.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp (NJ)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (WI)

I have a loan with XXXX XXXX XXXX, LVNV FUNDING LLC, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, LVNV FUNDING LLC, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Started last month when Capital One charged me a late fee because I paid my bill too early in the month, so I had to make a second payment to appease them and they reversed the late fee. I requested they change my due date from the XXXX to the XXXX to prevent this as I always make my payments around the first of the month. Now they did it again this month! I called and they said there was nothing they could do and it could take up to 2 billing cycles to make the change. Are you kidding me? 2 months to change a date on the account? I have never been late on any of my accounts. And to add insult to injury, the fee they charged this month was {$38.00} and when I asked why the increase, she said " well, the fee can be up to {$38.00} '' so they not only charged me, but they charged the MAX. I will be closing the account, but this is wrong!
Consumer complaint received 2020-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (CA)

Original Creditor : XXXX XXXX XXXX XXXX XXXX Account type : Collection Department/Agency/Attorney Date opened : XX/XX/XXXX Payment status : Seriously past due date/assigned to attorney, collection agency, or credit grantor & apps ; internal collection department Status updated : XX/XX/XXXX Balance : {$400.00} Balance updated : XX/XX/XXXX Original balance : {$400.00} Terms:1 month
Consumer complaint received 2023-09-25
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. (AL)

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXXXXXX XXXX Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account 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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

A person I thought was my friend that I used to work with, post on her XXXX XXXX ( XXXX XXXXy ) that the first 20 people who comment CASH on her post would receive {$1500.00}. You inbox her and she has you buy a Gift Card of {$100.00} or {$200.00} dollars. Then, of course, she asked for the activation code and the barcode number from the card. She then texts you to call the account [ ( XXXX ) XXXX ]. They then tell you the transfer is on the way but you need to pay the transfer fee that is way over the amount Cash App charge ( {$200.00} ). The Cash App accounts involved are $ XXXX and $ XXXX. This happened on XX/XX/2020 at XXXX XXXX  EST. I request a refund from the person directly, then I requested a refund back through the CASH APP itself but the refund was declined.
Consumer complaint received 2023-08-15
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 ar open end consumer credit plan as late for 972k purpose.
Consumer complaint received 2023-09-25
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. (IL)

I am reporting XXXX due to lack of safety of personal information. I just recently put a fraud alert that XXXX did not whole up its bargain with keeping my information from being used without my knowledge or consent. as shown on my credit profile there has been someone trying to access credit using my personal information and I did authorize any of these inquiries and I am requesting them to be removed 28inquiries These lenders have accessed your credit file : 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 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 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 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
Consumer complaint received 2023-08-14
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)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-08-15
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. (VA)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX We were customers with Chase from XXXX through XXXX of XXXX. We had 2 business checking accounts and a personal premiere account. During the 10 years, the 2 original accounts were changed to a new account XX/XX/XXXX. My final account number was XXXX. On XX/XX/XXXX I deposited a check from a client for {$9300.00}. One week later on XX/XX/XXXX, the same customer gave me another check for {$13000.00}. I deposited that check the normal way I always have. This was a known, regular customer that I am doing a {$53000.00} job for. After I deposited the second check the bank froze my account and then closed the account and seized the money. All the checks I deposited with Chase were valid. They currently have {$15000.00} of our money somewhere that they shouldn't have it, it should be ours. I am XXXX XXXX XXXX and I have never heard of this before. Please help. We are a small business and that is our money for receivables and parts.
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2020, I disputed unauthorized charges pertaining to my Navy Federal Credit Union debit card. I reached out to XXXX XXXX first and received this notice. 

XXXX XXXX Support XXXX XX/XX/2020, XXXX XXXX to me Hi XXXX, XXXX from XXXX XXXX Support here, thanks for reaching out. I know firsthand how worrying it can be to have an unexpected transaction come up and I am ready to provide you with some information about this transaction. 

Looking at your account, I can confirm that this {$2000.00} payment to $ XXXX is complete. Unfortunately, XXXX XXXX is unable to cancel or refund completed payments. That being said, you still have resources to help in this situation. You are well within your rights to pursue options through your bank, or to ask law enforcement for assistance in finding a resolution. 

If you would like to recover your funds, please send a request to the recipient : Tap the Activity tab on your XXXX XXXX home screen Select the payment in question and tap Request Refund Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : Only send to people you know Verify the recipients name before sending Double-check the spelling of $ XXXX Double-check the recipients phone number or email for typos To learn more, please visit XXXX XXXX Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

Feel free to respond to this email if you have any further questions, I am here to help. 


Your Advocate, XXXX XXXX. 
XXXX XXXX Support ref : XXXX : ref Navy Federal issued me a provisional credit until the investigation was concluded. On XX/XX/2020. I was notified that the claim was denied, when I spoke with XXXX ( Debit Card Supervisor in Florida ) she stated that there was no evidence of Fraud. Clearly as this email is stated. I did was I was advised. Now I am out of {$2000.00}. I additionally, filed a complaint with XXXX, no response as of yet. Additionally, I emailed the following XXXX, XXXX, XXXX, XXXX, along with a complaint with the FTC. Among dealing with health issues over the past several months in the middle of a Global Pandemic, I now have to deal with the incompetence or lack their of an investigator who did not to his due diligence named ( XXXX ) which this information was provided by supervisor ( XXXX ),
Consumer complaint received 2020-08-25
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. (TN)

XXXX  and Transunion should not be reporting me as a authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, I received notification from Capital One that the credit limit on my Capital One VISA card has just been reduced " to better fit my card usage '' which is a ridiculous excuse. One of the primary benefits of high credit card limits is to serve as a safety net in case of financial emergencies. I have charged thousands of dollars worth of goods and services to my Capital One VISA card, and repaid every XXXX. I have been a Capital One customer for many years, and have never made a single late payment. This is how they reward me for being such a good customer. I am speechless!