davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
Unauthorized, unverifiable collections on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

They freeze my account and declined charges as they thought it was fraud charge and let me contact them, I did and they verify transaction with me in the past 3 days, and also let me verify my identity through text message code, which they said can't be sent to my registered phone number, but need to to someone else phone number, so i used my husbands. All good and they told me account was unfreezed as no fraud charge confirmed, and I can resume purchase. My purchase got declined again and I saw the account was still froze, so I called again and asked to speak to a supervisor. I asked why still frozen and there is no answer, and I need to verify again. I asked if they can pull the recorded phone message I did with prior representative and she said no, and she said to verify my identity, since I already used my husband 's phone number, she said I can't use his number again for them to send me the code, and i can ; t use my own number also, I have to provide another phone number. This did not make sense to me and I told her I can't give a third phone number and is there any other way, she said only way is to MAIL me a code then I can call them again, mail usually arrive in 3 to 5 days. I have never seen other credit card companies doing this and they definitely did not do this before. I have closed my account but reporting this as this is just a terrible experience and this practice is not making any sense.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

Account Issue : My PayPal sales limit is currently set at {$300.00}. This limit is significantly impacting my ability to process payments and receive funds. 
Request for Increase : I have requested an increase in my sales limit to {$3000.00} through XXXX on XXXX XXXXXXXX XXXX  Initially, I had a limit of {$6000.00} that I requested through XXXX and was approved, but it was reset to {$300.00} after a verification hold. 
Verification Hold : My account was placed on hold for 12 days starting XX/XX/year> for verification, during which over 40 payments failed. After the hold was lifted, my limit was reduced to {$300.00}. 
Pending Payments : I have pending payments from XXXX that can not be processed due to the current limit. One payment for {$5800.00} on XX/XX/year>, failed due to the low limit. 
Actions Taken : I have contacted PayPal support multiple times to address the issue and to request a limit increase. Despite these efforts, the problem remains unresolved. 

I opened my business account on XX/XX/year> and have had a total of about XXXX dollars go into to my PayPal business account. As a business i will not be able to support myself and keep the doors open any longer if this isn't resolved today. I have bills for servers that cost way into the XXXX range every month, not including about XXXX in XXXXXXXX XXXX for those servers.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (CA)

Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law. 
2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report.

3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.
Consumer complaint received 2024-09-03
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: OneMain Finance Corporation (FL)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 


By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with ONEMAIN FINANCIAL Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with ONEMAIN FINANCIAL for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Pursuant to 15 U.S.C 1681 and exercising my rights as a consumer I have filed a dispute of information in my consumer credit report with the Transunion credit reporting agency on XX/XX/ requesting verification of the information about bankruptcy in my file. 

According to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) in case of receiving a dispute from the consumer a credit reporting agency should conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

According to 15 U.S.C 1681i ( c ) whenever a statement of a dispute is filed the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer Instead of that on XX/XX/2023 TransUnion sent me a letter saying that for some reason they think that my letter might had come not from me and suggesting to submit a dispute via their website of by phone, violating my rights to file disputes in writing and to keep a paper trail of all communication with the bureau. 

According to 15 U.S.C 1681i ( a ) ( XXXX ) in case of the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant it should notify the consumer of such determination not later than 5 business days after making such determination, by mail and include the reasons for such determination and identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

The letter from Transunion did not contained such information, so I sent them another letter on XX/XX/ where I reminded the credit reporting agency of their responsibility to perform an investigation in time. 

After not receiving any other communication from TransUnion, onXX/XX/XXXXsent them another letter with demand to delete the disputed information as they failed to verify it in time. 

The note of information being disputed by consumer was never added to my file. 
As a result, I believe that the TransUnion credit reporting agency violated my consumer rights under the Fair Credit Reporting Act multiple times. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with all consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BRCLYSBANKDE XXXX and BRCLYSBANKDE XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avid Acceptance, LLC (VA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

On XX/XX/XXXX received a credit hit from ( I C System ). I immediately called in to find out what the credit hit was for. I found it interesting I got a credit hit since I am in active XXXX  XXXX bankruptcy since XXXX and knew that any debt would have been previously disclosed through court. Upon calling in to ( I C System ), I was told the debt was for {$3600.00} to XXXX XXXX XXXX. I knew instantly this was identity theft based on the amount and the phone numbers the representative listed have never been mine. She listed XXXX ; XXXX and XXXX. I had XXXX XXXX XXXX cable for 6 months from XX/XX/XXXX until XX/XX/XXXX and decided to cancel it. After cancelation I received zero phone calls, emails and letters regarding this matter until the XX/XX/XXXX credit hit. I have subsequently filed a police report for the identity theft. I am filing a XXXX  and CFPB report and want this collection efforts and negative credit hits to be removed! FDCPA, TCPA violations carry a hefty penalty. My bankruptcy case number is # XXXX - XXXX.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to confirm and affirm that, I XXXX XXXX XXXX XXXX assigned the XXXX  XXXX  XXXX XXXX, and to belongs exclusively ot me. XXXX not possess any other XXXX  XXXX  XXXX. The XXXX XXXX XXXX XXXX has informed me that the only verification needed is my XXXX XXXX XXXX. 
Thank you for your prompt attention to this request.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I filed for and was approved for the TPD discharge of my Federal Student Loans. My XXXX balance is at {$0.00} showing the accounts Paid In Full and its the same with the Department of Education. My credit reports with all XXXX bureaus are still showing that I still owe the full amount of the loans and that the accounts are still open. This information is incorrect and I have disputed this with all XXXX bureaus and XXXX and even reached out to the Department of Education with no resolution to this yet except to wait up to XXXX or 180 days for the information to change. I have had to look for new housing lately due to an abusive roommate that I have had to call the police on several times and have even been denied housing over the last month at several places because of the credit impact these loans are still having on my credit report. I should not have to get denied housing because this information is being reported incorrectly.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IL)

Debt Validation & Notice Of Dispute To whom it may concern, This notice is Pursuant to 15 U.S. Code 1692 ( g ) as I have never received a validation of this debt from your company. I am requesting that your company provide me with the following documentation : 1. The name of the creditor to whom the debt is owed to 2. The amount of the alleged debt 3. A statement showing proof that you put me on notice that this debt would be assumed to be valid within 30 days I have never been notified that this debt would be valid by your company within 30 days which is a direct violation of the FDCPA. You also failed to send me the information above within 5 days of initial communication of the debt which is required in Section 15 U. S. Code 1692 ( g ) ( a ). I am disputing this alleged debt in the entire amount and with such dispute your company is supposed to cease collection of this assumed debt. Failure to cease to collect is a violation of the FDCPA. 

Please provide me with the above following information that is requested. 
I AM REQUESTION VALIDATION OF THE DEBT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. 
IT ALSO SHOWS THAT YOUR COLLECTION AGENCY IS NOT LICENSED TO COLLECT IN ILLINOIS. 

Affidavit Of Truth Notice to all, I am the consumer that I am, the consumer in fact, natural person, XXXX, XXXX, XXXX, living breathing woman, affiant, declare that I am majority and competent to state the matters set forth herein with first hand knowledge of the facts. 
Statement Of Facts : Facts that the Fair Debt Collection Practices Act protects me from debt Facts that the Fair Debt Collection Practices Act protects my right to privacy Facts that the Fair Debt Collection Practices Act protects me from misrepresentation Facts that the Fair Debt Collection Practices Act protects me from harassment and abuse Facts that the Fair Debt Collection Practices Act protects me from a debtor contacting me in any means directly Facts that the Fair Debt Collection Practices Act protects me from the legal actions by debt collectors Facts that my consumer report is supposed to be fair and equitable to me as the consumer Facts that consumers are supposed to be informed on the use of credit Facts that I was not informed on the use of credit Facts that I was deceived in the transaction Facts that Contract Callers Inc., is aware and has proof that Contract Callers Inc., is in violation of 15 U.S. Code 1692 ( d ) ( g ) ( a ) and 1692 ( c ) shown in Exhibits A & B In Witness Whereof, I here unto set my hand and seal on this day and hereby certify all the statements made above are true, correct and complete under the penalty of perjury in the laws of the United States Of America. 

By : XXXX XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Genesis management & XXXX XXXX called me very angrily. I was told that they will be pinging my credit every month & that I shave to set up arrangements As Soon As Possible. I informed them of my need for the original paperwork and signiture that I signed. The guy told me he would send it as soon as I set up payment arrangements! I have never dealt with Genesis management, they are aggressive & they are dropping my credit every month. This needs to be deleted! I need them to get out of my credit account dropping it. I told him ( XXXX ) that this is illegal!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AK)

To Whom It May Concern, This is a formal demand for JEFFERSON CAPITAL SYSTEMS to immediately delete the fraudulent XXXX XXXX  account from my credit reports. This account is not mine and was opened without my authorization. 

I have resided in Alaska for 15 years, where XXXX XXXX does not even offer services. This alone should have raised red flags about the legitimacy of the account. 

On XX/XX/2019, while applying for the XXXX in Alaska, the website malfunctioned as I attempted to submit my application. The page reloaded, displaying another individuals sensitive information from XXXX, Alaska, including their address, date of birth, Social Security number, and bank details. Shortly thereafter, I received calls from two other individuals who reported seeing my personal information on their screens. Following this data breach, multiple unauthorized accounts, including this one, began appearing on my credit reports. 

I am prepared to resolve this matter peacefully without legal intervention, but I will not hesitate to involve my legal team if necessary. If you need proof of my resolve, I suggest you XXXX " XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Alaska. '' XXXX XXXX and others didnt believe me either, and they were forced to pay up. I expect this fraudulent account to be deleted from my credit reports without further delay, as it continues to harm my credit standing. 

Attached are a police report, an Identity Theft report, and news articles documenting my status as a victim of identity theft. These documents unequivocally support my claim. 

This matter requires your immediate attention and action. 

Sincerely, XXXX XXXX