davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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. (FL)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I have a credit card balance I do not owe and its still open and hurting my credit score Balance is XXXX the date open was XXXX XXXX  Be advised, this is not a refusal to pay, but a noticed that your claim is disputed and violation is requested under the fair debt collectors practice act I have the right to request validation of the debt and say I owe you. I am requesting proof that I am indeed, the party you are asking to pay this debt and there is some collateral obligation that is binding on me to pay this debt. This is not a Verification or proof of my mailing address but a request for validation made pursuant To 15 USC 1692G section 809B of the FDCPA I respectfully request that your office is provide me with competent evidence that I have any legal obligation to pay you
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

To : Public Servant/trustee/Chief officer for the Consumer Finance Protection Bureau To : Capital One Financial Corporation, Chief Executive Officer, Subordinate officers and directors with the strict liability Notice for the agent is notice for the principal Notice for the principal is notice for the agent On the record, let the record show for the Court of record, for the writing and issuing a summons for the hearing appearance on the breach of contract, duty & trust damage from both of your organizations over the past year.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX  balance {$120000.00}, XXXX XXXX balance {$2700.00}.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NJ)

I've had an ongoing issue with logging into my account, since I changed my email, password and number. I am unable to log in on my laptop. I prefer to use my laptop when I use PayPal. I was easily able to do this with my old number. All of a sudden, the issue with the error message will not disappear from my screen when I am prompted to receive a text message. I have attached the screenshots I sent to the CEO, VP and XXXX team over at PayPal. There should be a high-level tech support who can bypass this error and fix this error message I am getting. It is preventing me from using my PayPal account. Please see the attached screenshots
Consumer complaint received 2024-11-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise Credit has initiated a collection in the amount of {$250.00} on behalf of XXXX as of XX/XX/XXXX of XXXX for an internet account that was was set up carelessly by XXXX without proper and diligent initial verifications. Sunrise never mailed me any notices about this debt. Sunrise went directly to the consumer reporting agencies and posted a collection notice which has unfairly damaged my consumer credit rating. 

Sunrise is unwilling to diligently remove the collection alert from my consumer credit reports even after they have been informed that I had nothing to do with this fraudulent account and the account was opened as a the result of an Identity Theft and poor verification process by their client. My credit was locked and XXXX should have never opened this account last XXXX. 

Sunrise tells me that I need to contact XXXX  and XXXX tells me that they have sold this account to Sunrise and I need to deal with Sunrise!? 

Had XXXX been diligent, this account would have never been opened in the first place.
Consumer complaint received 2024-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (FL)

I am writing to file a formal complaint against InstaLoan, located on XXXX XXXX in XXXX, Florida, for deceptive and predatory lending practices that I experienced firsthand between XXXX and XX/XX/year>. I believe their practices may violate consumer protection principles, particularly in how they structure high-cost loans that exploit borrowers through unnecessary fees and misleading tactics designed to keep customers indebted. 

In XX/XX/year>, I took out a title loan with InstaLoan, and though I worked diligently to pay off the loan in full by XX/XX/XXXX, I encountered numerous issues along the way. One of the most concerning practices was their use of funds available calls following each payment. Each month, InstaLoan contacted me to encourage re-borrowing of paid-down amounts, creating pressure to renew the loan before making significant progress on the principal. This high-pressure tactic traps borrowers in a cycle of debt, making repayment more difficult. 

In addition, InstaLoan aggressively pushed their own insurance policy, despite my opting for my own coverage. Staff became visibly annoyed when I declined their costly insurance, which added over {$200.00} per month without benefiting me as the borrower. Reports from consumer advocates, including investigations from XXXX, indicate that companies like InstaLoan use these insurance fees to inflate effective interest rates beyond Floridas legal cap. This practice appears deceptive, especially as these fees benefit only the lender and create a hidden channel for excessive charges. 

When I finally paid off the loan in XXXX, InstaLoan failed to follow through on several critical commitments. Although they promised to contact my insurance company to release the lien on my title the same day, they did not, forcing me to resolve it myself after several days. Additionally, I had requested a paper copy of my title, which was supposed to be available promptly ; however, they did not notify me when it arrived. Had I not called to check on it, the title would have remained indefinitely at their office. 

This experience has been deeply concerning and aligns with what consumer advocacy groups label as legalized loan sharking. Many title loan companies in Florida rely on borrowers ' inability to escape debt by adding hidden fees and offering unnecessary insurance policies. My situation underscores these concerns, and I believe InstaLoans practices deserve regulatory attention to prevent other vulnerable borrowers from being similarly exploited. 

I respectfully request that the CFPB investigate InstaLoan for these practices. I believe their business model intentionally traps borrowers through excessive fees and aggressive re-borrowing offers, violating the spirit of consumer protection laws and exploiting individuals who may lack the resources to challenge these practices. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a victim of identity theft in which my purse & all it's contents : ( Birth Certificate, Social Security Card, & State-Issued Photo ID ) were stolen. Since then, I've been having trouble " opening an account '' & have been " declined '' at EVERY Banking Institution I've applied to. Recently I was told that my social security # is " FLAGGED '' in " Chex Systems '' & that there's two ( 2 ) different banks ( " XXXX XXXX XXXX XXXX' & " XXXX XXXX '' ) showing attached to my social security # that I, myself, did NOT have anything to do with. Someone else made those attempts with those banks committing " Bank fraud '' on top of " Identity theft '' initially. I need the " flag '' removed from my social security # & then it completely removed from the banks " Chex System '' altogether. I am not the individual who's responsible for making any " attempts '' with the two ( 2 ) banks showing on my social security #. It was indeed someone else who had access to my stolen Self-Identitying documents. I should be able to be " approved '' to " open an account '' with ANY Banking Institution of my choice as I have not committed ANY " Bank fraud '' nor ANY type of " fraud '' whatsoever ever in my life & have absolutely NOTHING to do with the two ( 2 ) banks showing attached to my social security # in the " Chex System ''. I need this investigated & resolved ASAP. I can be reached @ : XXXX any time during the day.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (PA)

This case has been closed by the Consumer Financial Protection Bureau. The CFPB case numbers are XXXX and XXXX in year 2023. 

They have sent me a notice again on XXXXThe I.C. reference No is XXXX. I have no idea why this company is sending me a notice again. 

They are trying to charge me for something that I haven't used. Please take some action against them, since I had already provided my points in CFPB case numbers are XXXX and XXXX. I don't want their tortures.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NC)

I previously disputed multiple accounts with Lvnv funding. However after my initial dispute it was not removed and it is showing that it is valid however I have never had a contract with LVNV funding I have never signed a contract with LVMV funding I have never received any funds from LVNB funding on my credit report they show multiple accounts however they show themselves as the original creditor they also show themselves as having an open account but it shows that listing as a charge off account it can not be all three things it can not be a charge off account if they are the original creditor it can not be an open account if it is in a collection account therefore I am requesting it be immediately removed for an accuracy As well as compensation for the damage that the inaccuracy has caused. Under the fair credit reporting act I am guaranteed accuracy just buy what I have listed above these accounts can not be being listed accurately
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DE)

I did not receive any communication that my account was close. I have been struggling to make payments and was paying what I could when I could, but when it did not satisfy the minimum balance I assumed this is when they closed my account. Since now the account is closed and I have inherited the debt this should be removed off my credit report as it is no longer Citi 's. 
I sent out a letter to Citibanks on XX/XX/year> requesting documentation as my account was closed on XXXX. In this letter I state that I would be open to discussing potential options for negotiation as I believe there is a solution that would benefit both parties.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citibank closed my account on false fraudulent charges. I have asked for my funds to be returned to me totaling over $ XXXX. I need these funds to pay bills and have not been able to without borrowing money because of this. This is costing me a lot and it has been months and they have yet to return my funds to me.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

According to 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. However, XXXX, Equifax, and XXXX have failed in their responsibility to fulfill this requirement. They have furnished information that does not reflect my actual credit behavior, which is not only erroneous but also damaging to my reputation and financial opportunities. 
As a consumer, I am entitled to fair and accurate credit reporting under federal law. I have diligently followed the proper procedures to dispute the inaccuracies, but the financial institution 's refusal to correct the errors and the consumer reporting agencies ' lack of thorough investigation have caused significant harm to my creditworthiness and overall financial standing. 
The inaccuracies present in my credit reports include : Outdated information : Some of the reported information is outdated, such as closed accounts being listed as active, which further hampers my creditworthiness assessment. 
Reporting of late payments that were never made : Several accounts on my credit report show late payments, but I can confirm that these instances are incorrect. I have always made timely payments and have records to substantiate this claim. 
I have diligently tried to resolve these issues by disputing the inaccurate information through the credit reporting agencies ' dispute processes. However, their responses have been unsatisfactory and merely result in re-verifications of the disputed information without proper investigation.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

This collection has been on my report a couple times. My first dispute was with XXXX, and now with this company. Both companies violated my privacy and rights under the XXXX, by sending emails and text messages, stating they are DEBT Collections. 
Neither company could verify, provide or validate any information, other than an amount. I do not, nor have I ever had an account with this company. 


XXXX, XXXX and XXXX have all violated my right as a consumer by not notifying me of this placed on my credit file with them. 
They did not do their : due diligence by investigating the claim properly, notifying me, of potential harm to my personal and private credit. 
Additionally, I sent a dispute to XXXX and they stated this debt was valid but also never supplied any proof, of how it was validated.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-02
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. (TX)

There is an inquiry on my credit report that I don't recognize. I've contacted XXXX and the representative made it clear that they were going to remove it, but it's still in my credit report.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Charged-Off Accounts Dear Sir/Madam, I am writing to formally dispute the charged-off accounts listed on my credit report under the account numbers : XXXX XXXX XXXX XXXX XXXX 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 recently reviewed my credit report and noticed that this account is being reported as charged off, which I believe is inaccurate and misleading. 

I would like to bring to your attention the following points regarding this account : 1. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding this charged-off account is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely. 

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution. 

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it. 

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
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. (FL)

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. I regularly check my report, but this time I noticed unexplained discrepancies. I refreshed my browser to rule out a glitch, but the inquiries didnt go away. I am extremely frustrated with this situation and need the documents I've submitted to be thoroughly reviewed to prevent this from happening again.
Consumer complaint received 2024-10-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (FL)

Hello. I had a medical bill sent to me about XXXX years after service. 
I'm not paying so they sent me to collections. Which in turn hurt my credit score. Fine! XXXX. 
Now they sold my debt again and sent me to collections for the same bill TWICE! So now I have 2 hits on my credit score by 2 different collection companies for the same bill/amount. This can't be right.