davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a product from a retail established retail store XX/XX/XXXX. Received the item paid with a one time credit card via XXXX of XXXX item was a gift and never opened or used the birthday of the gifted person was XX/XX/year>, upon examining the item is was not what I ordered so initiated an online return immediately. Thru the retailer website, was sent a return label that I had to pay for to return via XXXX  XXXX. Package was repackaged UNOPENED and bubble packed tight and dropped at the nearest drop-off point XXXX less than XXXX miles from my residence. Item was 3LBS plus the box and wrappings making it a total, of 5LBS when weighed in and began tracking thia was all by XX/XX/XXXX, the next day. The retailer received the product XX/XX/XXXX and sent a email stating as such. I expected my refund 10-14 later XX/XX/XXXX. N0 refund. I've called a total numbers of 12 times minimum since the XXXX of XXXX. After stating through email thet GOT the item, I still received no money ( refund ) for an item they clearly admitted to receiving. I'm livid by this point and recently contacted them yet again XX/XX/XXXX, They now are back treading saying they didn't receive anything but yet saying now, the box was empty and they didn't get nothing in it, which is a out right lie. The shipping company weighed the package and a empty box doesnt, weigh 5 pounds... I want my money back from these people and since I used XXXX they think Im suppose to pay them for a item I don't possess but yet was acclaimed to have been received initially. scam company and I want my money back on the card I used to purchase the installment that me/and XXXX  advanced me the loan to pay it up front in full. Saks Fifth Avenue AND XXXX are the companies I dispute the non actions route they took.
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PCR Group (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT ADJUSTMENT BUR XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (PA)

I received an email from a company Sephora, thanking me for opening a visa account. I immediately responded that the account was not mine. They didn't respond. Several months later, I received another email demanding payment. I called the creditor, they agreed to investigate. They did not do a proper investigation and never responded to my request for documentation, which would verify their claim that the account was mine. The account was never on my credit report, as an existing account. It has never appeared as a revolving account. Now, it appears on my credit report as a charge off, in collection. 
The company is known to have many complaints about fraud.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This is a formal complaint letter concerning inaccuracies and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 14 days since I mailed the request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-19
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: LEXISNEXIS (MI)

XXXX XXXX with fake XXXX XXXX and XXXX that XXXX XXXX XXXX XXXX have on your records and he here from XXXX here on an XXXX  using my personal identifiers XXXX confirmed by XXXX XXXX XXXX deeds he stole my property using his XXXX  XXXX XXXX on a fake conevant deed as his wife XXXX that he purchased my home XXXX XXXX XXXX XXXX XXXX XXXXXXXX loan XXXX from XXXX XXXX for XXXX a lie . XXXX XXXX XXXX department XXXX XXXX XXXX ext. XXXX has confirmed he gotten four credit cards also associated with XXXX XXXX as ending XXXX, XXXX, XXXX, XXXX and now XXXX  XXXX ending XXXX damaging my credit file and score and harm me with about XXXX loans all hitting my credit file without clear title. Then he cash two escrow account checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out by XXXX at XXXX XXXX XXXX assign claim no. XXXX for XXXX value of my paid up Mortgage confirmed by LexisNexis as case XXXX. Then whereas he lied he purchased from XXXX XXXX XXXX XXXX fake loan XXXX that in a letter dated XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX lied of a lender that do not exist as XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (MI)

On XX/XX/XXXX at XXXX spoke to XXXX XXXX XXXXXXXX mortgage department XXXX XXXX and he said a guy from XXXX XXXX XXXX XXXX is lying saying XXXX XXXX has Clear title using your loan XXXX  XXXX attached to a fake loan as XXXX for XXXX to XXXX XXXX XXXX dated foreclosure sale XX/XX/XXXX. 


The XXXX XXXX cash XXXX of my XXXX  checks I were informed by XXXX  around XX/XX/XXXX to go make police report and detective XXXX XXXX XXXX has the case XXXX and his last words to me around late XXXX were that my checks got caught up in the mail. I told him that around XX/XX/XXXX I spoke to XXXX in XXXX XXXX XXXXXXXX check fraud department investigator and he said that same fake SSN number he used on XXXX Police and the courts is what led to where he cashed your checks into an account known as XXXX XXXX XXXX in XXXX az same as XXXX XXXX support insurance person XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX just moved her office there a year ago XXXX XXXX XXXXXXXX did XXXX XXXX under fake XXXX really cash my XXXX checks into XXXX XXXX XXXX XXXX your employee XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

Equifax reinvestigation continues to fail to remove fraudulent inquiries. Now, their dispute center does not show the ability to dispute the hard inquiries that XXXX promised in writing to remove. XXXX has amnesia and is actively investigating.
Consumer complaint received 2024-07-22
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-22
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. (TX)

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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : # XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-03
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. (GA)

I made my payments on time the credit card company applied the payments to an old closed account, after contacting them they fixed the problem and applied all payments and waived the late fees, but they still reported as late to the credit reporting agencies I tried to dispute with XXXX, equifax and XXXX  for the wrong information but no response.
Consumer complaint received 2024-07-23
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. (PA)

Please delete this account I sent my letter a month a ago untill now I never recieved any response. Please verified it now Please XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted from my file : XXXXXXXX XXXX XXXX  {$730.00} XXXX remove acct XXXX XXXX XXXX {$18000.00} XXXX remove acct XXXX  XXXX  {$850.00} XXXX remove acct XXXX XXXX {$910.00} XXXX remove acct Dept of ED {$0.00} XXXX update to never late Dept of ED {$0.00} XXXX update to never late Dept of ED {$0.00} XXXX update to never late Dept of ED XXXX XXXX update to never late Dept of ED {$0.00} XXXX update to never late Dept of ED/XXXX {$0.00} XXXX update to never late Dept of ED/XXXX {$0.00} XXXX update to never late Dept of ED/XXXX  {$0.00} XXXX update to never late XXXX  XXXX XXXX XXXX remove Inquiry XXXX XXXX XXXX XXXXXXXXremove Inquiry XXXX XXXX  XXXX remove inquiry XXXX XXXX XXXX remove inquiry XXXX XXXX XXXX XXXX remove inquiry XXXX  XXXX XXXX remove inquiry XXXX  XXXX remove Inquiry
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (IL)

Hi, I have a debt collection reporting on my XXXX consumer report, thats inaccurateXXXX and XXXX both removed this assount.The company is ALDOUS, account number XXXX have no knowledge of this company and its alleged debt.Ive never received any notification in the mail regarding this company and its alleged debt. Ive never heard or did business of any sort with this company.Ive never gave them permission to have my personal information or report anything on my consumer report.I ask that you investigate this matter and remove it from my consumer report immediately, its affecting my livelihood. Can you please ask this company to provide proof of this alleged debt and also provide proof that they followed proper procedure in notifying me of this debt via certified mail. If they cant provide proof, I ask that you remove it from my consumer report.Thank you
Consumer complaint received 2023-07-03
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: CBC Companies, Inc. (CA)

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.

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 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (NC)

I disputed this account. This dispute was closed. I am requesting a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Who was interviewed regarding this account? How did you come to this determination?
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (SC)

Feels like a SCAM!!! 

When I got the zero interest promotion, Kept calling about the bill, I was advised that there would be a central billing account but I later learned that the central billing statement was not set up. While waiting for the central billing issue to be corrected they unbenounced to me changed my interest rate. Later I started getting bills but the payments ere 3x what I should be paying so i called and they reset my interest rate. I payed the payment posted after the interest rate was reset. Then I noticed that the Payments went back up.This occured at least three times. I called again and they told me that the rate would be reset but with this type of account the payments can't be late even if in dispute. I made the payment prior to the due date as directed and the interest is again high and Ithis time sends my balance over the limit on the card. i am now told that they can not reset the rate until the account is brought under the limit, I said the account would not be over the limit if the interest rate was not changed. they refused to reset the interest rate and or reverse the unethical charges, Everytime I call there is a different reason the interest rate was changed. I think thisis part of their scam and the 0 % interest rate was the lure. And they deliberately put obstacles in the way to create reasons to adjust the interest rate. 

These XXXX XXXX XXXX are predatory and deliberate in their processes to defraud their customers and the public.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

Now the truth is out about all these different frauds including stolen identity by your client fake XXXX XXXX XXXX fake SSN numbers XXXX and XXXX here in our country XXXX XXXX XXXX and used those fake titles including XXXX XXXX computer professor on those loans as you say I started loan XXXX and absolutely have never done business with XXXX XXXX and that fake title as a XXXX  got reported as XXXX. He also got a credit card in my name with XXXX  XXXX as ending XXXX. Then with XXXX XXXX XXXX ending XXXX, XXXX, XXXX and XXXX confirmed by another XXXX XXXX XXXX XXXX ext. XXXX still claim no XXXX unpaid. Then he use a fake lender that do not exist NOT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX id # XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, do not exist. Then around XX/XX/XXXX XXXX  informed me he cash XXXX checks in my name XXXX. XX/XX/XXXX XXXX. Mailed on by XXXX  supervisor XXXX on XX/XX/XXXX to the XXXX he cashed. They informed me to make police report and I did as XXXX Det. XXXX XXXX XXXX that he cash XXXX XXXX XXXX XXXX XXXX still unpaid. I received notice from LexisNexis Consumer no XXXX that Tradelines - XXXX XXXX  Resolve XX/XX/XXXX and XXXX has confirmed my loan were paid off in XXXX.
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (VA)

i leased a vehicle a XXXX XXXX XXXX from US Bank made all my payments on time returned the vehicle on XX/XX/XXXX i then paid my lease end fees to them i have a XXXX letter from them returned the tags to Virginia DMV when i asked for a receipt they told me the leasing company would get them email because i was not the owner of the vehicle i left then 1 year later they are trying to bill me XXXXXXXX XXXX for the property tax bill they paid in error and should be requesting it be returned from the state of Virginia they have continuously bill me for the XXXX XXXX i have called every time i get the letter and they tell me it will be sent to their resolution department yet XXXX weeks go by and i get another bill i am wasting 45 minutes per clip calling them and reexplaining the whole situation they have not gotten a payment from me for the rest of XXXX and all of XXXX because i pay my bills and owe them nothing now they want me to pay the XXXX property tax bill when i returned the vehicle in XXXX and haven't owned it in over XXXX XXXX years i was not billed from the state only uS Bank this is phantom debt collecting at its finest i do not owe this money it was an error on their part for paying it when the XXXX was returned a year prior to the bill they paid and they are harassing me for payment which i refuse to pay and they continue to harass me i have read online i am not alone they enjoy these made-up bills and probably reap XXXX XXXX XXXX XXXX XXXX XXXX by using unfair and unethical tactics i have tried on numerous occasion to get this resolved but they just ignore me and keep billing me for money i do not owe please HELP
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

There was fraud done to my debit card of over {$300.00}. Some of the transactions totaling an amount of {$33.00} extended beyond a 60 day period. When I made my claim the agent told me that transactions that exceed 60 days would be rejected so I then told him not to even put anything on my claim that exceeded the 60 days then. So to my knowledge he processes the claim for the transactions within the 60 day period and rendered me a temporary credit. Now a week and a half later I am seeing that the claim was denied because the agent did in fact put the {$33.00} worth of transactions on the claim and therefore the company has denied my entire claim. The issue is I had already used the funds from the temporary credit and there were also funds deposited in my account that were snatched out due to the temporary credit reversal. I needed the money that was deposited into my account to feed my child. I called and explained to them and theyre not trying to help. All of this is occurring due to a mistake that wasnt even made by me and why would I be given a credit for something that is automatically going to be denied. This is unfair to me as a client and I dont feel like my finances are protected by this bank.