davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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: Experian Information Solutions Inc. (TX)

I am deeply frustrated by the response from the credit reporting agencies regarding the investigation of these accounts, which they claim came back as verified. However, this assertion baffles me, as my credit report still contains multiple inaccuracies.

As a conscientious consumer, I have the right to understand the thoroughness of the verification process conducted by your agency, as stipulated under 15 U.S.C 1681i ( 7 ) Method of Verification. I demand a detailed account of every step taken to ensure the 100 % accuracy of these disputed items.

It is unacceptable that despite these purported investigations, my credit report continues to reflect discrepancies. I urge your agency to rectify these errors promptly and provide me with the comprehensive documentation I am entitled to under the law.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

CREDIT REPORTING AGENCY : XXXX is willfully disregarding federal laws by not complying with the FCRA, which establishes boundaries, rules, and regulations. They have assumed the authority to collect and report information about me without obtaining my written or verbal consent. Plus whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ; according to the FCRA. XXXX did not met simple points of XXXX XXXX compliance or simple rules of the FCRA. 15 U.S.C. 1681i mandates specific procedures for consumer reporting agencies to follow when a consumer disputes the accuracy or completeness of information in their credit report. XXXX failed to provide an exhaustive itemized timeline breakdown of their alleged investigation and reinvestigations. Which leads me to believe they simply used e-oscar automated systems and failed to make contact with anyone because they wouldve clearly seen all of the discrepancies. 15 U.S.C. 1681e ( b ) - Accuracy of report. Please remove the following accounts- if youre not able to prove otherwise.
Consumer complaint received 2024-07-18
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: WELLS FARGO & COMPANY (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-18
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

One of my credit cards handled by Capital One expired XX/XX/year>. During the past few months I have had an issue with mail being redirected to another address without my permission. That's a fault of XXXX, not Capital One, but I do expect to be able to communicate with Capital One about my account. 

The problem is that they refuse to tell me when a new card was mailed, if it was delivered, or if it was activated. I am told that my account in particular needs to be discussed with another department whose hours just so happens to be restricted such that I am not able to call them. However, they said that they can not tell me the name of this department, why this department is handling my account, and that all I can do is call back during those specific times. 

Note that this isn't specific to the type of account I have. It's just me. I verified this by handing the phone to someone else who has the same kind of card and had her verify that a new card was sent and they told her both the date it was mailed and the date it was delivered, so they are capable of assisting me, they just choose not to. 

When I raised concerns over if my account might be used without my permission I was simply told that I am not response for fraudulent use of my account. However, if I am not permitted to speak with anyone about my account when I am available what good is that? 

I believe that I have the right to verify basic information about my own accounts and to ensure that a card in my name does not end up in the hands of third parties. As such I do not believe that what they are doing is reasonable. They are capable of providing basic information about my account, but have chosen to restrict that information to a super secret department whose very name is apparently just as secretive. 

Oh, and it's not just an issue of my own hours of availability. My phone is broken so I am only able to call in when my hours and that of my partner matches and we are on completely different sleep and work cycles. It just so happens that our schedules only overlap when this super secret department is closed and since they won't otherwise provide me with the most basic of information about my account this is my only recourse.
Consumer complaint received 2024-07-13
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: BARCLAYS BANK DELAWARE (CA)

I was charged 3 times for a service from XXXX that I did not order and reported this to the credit card company ( Barclays ). They ultimately sent a form letter that they contacted the merchant who validated the transaction. This form letter also misrepresented that on XX/XX/XXXX and XX/XX/year> they attempted to contact me and did not receive a response. That is untrue, no attempt to contact me was made, not by phone, not by fax, not by email and not by letter. 

I spoke to the number they provided in their letters. Six times they requested the last 4 of my social security. It was an obvious attempt to avoid responsibility.
Consumer complaint received 2024-07-13
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: Bread Financial Holdings, Inc. (FL)

I place a prior complaint, this people respond with this.. 
We're unable to locate an application or account with the information provided in the correspondence. We're requesting additional information to help locate an application or account and assist further. 

Well if they not find anything i demand they delete this inquire from my credit, because i never request anything from them. open attach i place some proof about the illegal inquire
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BMO Bank, N.A. (IL)

i WAS A VICTIM OF IDENTITY THEFT AND WOULD LIKE THESE ALLEGED ACCOUNTS REMOVED IMMEDIATELY XXXXBMO Bank XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-20
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. (IL)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I have been in contact with them since XXXX. I applied for consolidation of all XXXX loans and XXXX were forgiven before the third was consolidated. So now they are saying I have XXXX payments left but XXXX payments that qualify once my one time adjustment is calculated. Since then they had me recertify my income which did not have to be completed until XXXX of XXXX. Thus almost doubled my payment. That was supposed to be fixed months ago and I have been placed in forbearance twice ( so far ) and still no change in payment amount ( should be reverted to {$590.00} ), no one time adjustment and no response. They want me to begin repayment in three weeks. I contacted them in writing again on XX/XX/XXXX and no response.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

Hi, I disputed LVNV funding on my credit report. I also called them and asked for them to send me a statement of what I owed and who I owed it to because I didnt know who they were. They sent me a statement back saying I owe XXXX from the year XXXX  They also show I opened my account last year on my credit report which is false because my credit was poor last year and opened no accounts and Ive had no new accounts in past couple of years due to me not working and being diagnosed with XXXX. I disputed and they ruled in LVNV FAVOR, when I call the credit bureau they say they dont have the info from them back yet. How can they rule in their favor when they dont have all the information and I do have a letter from them Ill be happy to send stating balance was from year XXXX  and also there is no way I opened that account at the end of last year or if its something else its just not possible.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

After seeing that XXXX.XXXX  had scammed me of my money and I couldn't do anything, I found in an advertisement from a Spanish financial broker the recommendation to hire XXXX  from the company XXXX XXXX, in the United States, which had a high success rate in the recovery of scammed XXXX. Once I verified the company and saw that there were no complaints or warnings of it being a scam, I contacted them. The first contact was called XXXX XXXX phone XXXX XXXX XXXX XXXX on XX/XX/year>. She wrote to me on XXXX ( XXXX XXXX ) and we talked, she told me that XXXX  services were XXXX euros and after sending her my scanned ID, she sent me the service contract. Given the economic situation, she offered me to pay in 4 months at a rate of XXXX euros / month. I accepted and signed the contract. I was assigned to the Consultant XXXX XXXX located in New York, he spoke XXXX, they registered me in the client portal, which was the means of communication with the company, to upload the scam documents, transfers, conversations, etc. All this was done from XXXX to XX/XX/year>, the consultant XXXX indicated to me that he would pass it on to the XXXX  lawyers to start JUDICIAL actions, I was waiting a week, and when I tried to enter the client portal, it appeared that they were blocked by the FBI. Then data began to appear that it was a scam. I contacted the FBI by email ( XXXX ) and they indicated to me that it was correct, it turned out to be a scam. They sent me a questionnaire to send it to them and take it into account for the investigation. Payments were made from XXXX XXXX XXXX by CREDIT card AND TRANSFERS on the dates : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX CHASE BANK XXXX XXXX TRANSFER  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX CHASE BANK XXXX XXXX TRANSFER XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX FROM XXXX XXXX  PORTAL XXXX XXXX XXXX  Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (NH)

TARGET/TD Account XXXX : XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

I have two Amex business cards. One for XXXX XXXX. One for XXXX XXXX XXXX. The XXXX XXXX XXXX is an Amex PLatinum card which had a sign up bonus of XXXX points for spending $ XXXX within 3 months of opnening. I hit the spend limit, paid the {$650.00} annual fee as was rewarded the points. 

I recentyl closed the XXXX XXXX  ( seperate entity ) and all the membership points in XXXX XXXX were XXXX XXXX out. I talked to a supervisor and they said if I close a CC within a year they can cease any points. I notified them the XXXX account is still open ( with the points ) AND the XXXX XXXX is over a year old as I have statmeents from XX/XX/year>. 

They then had no asnwer and I still have no points. They falsely advertised the sign up bonus to get people to pay the {$650.00} fee I feel
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: Bread Financial Holdings, Inc. (MO)

I am writing to file a complaint about inaccurate and unfair reporting on my credit report. 
Back in XXXX I submitted a hardship letter based on the Cares Act credit protection act. I asked the credit card carrier for accommodations based on hardship because I was financially affected by the pandemic. A certified letter was sent to the credit card carrier. My letter was never acknowledged, and after calling numerous times nothing was done by the credit card company to help. Instead, my account was sent to collections where it now reports several months of delinquent and late payments. 

Therefore, I believe that in accordance with the fair credit reporting act This creditor has violated my rights under 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 an account without my written instructions under 15 USC 's one 6 6B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I ask that action be taken by the credit reporting agency and remove any information that violates my rights as a consumer.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (GA)

I tried to dispute fraudulent charges on one of the credit reporting Agencys and MoneyLion refused even though I sent proof of fraudulent activity. I demand this to be taken off of my credit report according to their terms and conditions regarding fraudulent charges. Thank you.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

XXXX See previous inquiry. 
I need in writing all history of ach and debit payments. 
I need written transcripts or recordings of all customer service conversations. 
I need hardship policy if any in writing. 
I require that you expedite this account into collections to make a settlement.
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Systems,Inc. (KY)

National Credit Systems Attn : Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Here is the final version of the letter including the mention of the FTC Identity Theft Report for account # XXXX Subject : Dispute of Account # XXXX and Account # XXXX Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute the accuracy and validity of the debts associated with the above-referenced account numbers, which appear on my credit report. These debts are listed by your company, National Credit Systems, and I believe they are incorrect due to identity theft. 

I have never opened accounts with your company or authorized any transactions related to these debts. Therefore, I request that you take immediate action to investigate this matter and remove any fraudulent charges from my accounts. Specifically, I request the following
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Dear National Grid ; National Recovery Agency ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2023-06-01
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. (NC)

I submitted a complaint last XX/XX/2023 and XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I took advantage of XXXX online promotional offers on Bank of America credit card. XXXX of the XXXX have XXXX % APR until a certain date. The XXXX APR is XXXX % until XXXX, XXXX. At the time of applying online for the direct deposit offer, the information provided informed me of the basic terms. Interest would accrue at a rate of XXXX percent until XX/XX/year>, then any remaining balance would accrue at XXXX  % apr. It did not mention how payments will be applied inconjunction with any other promotional offers on the account. The customer service agent stated that promtional offers are paid off in the order of expiration, which was my understanding when I applied. I was then informed that a majority of the {$3200.00} payments I made over the last XXXX weeks was being applied to the offer that expired at in XXXX  because in the fine print of the credit card statement it states the any payment amount over the minimum balance will be applied to the promontional offer with the highest interest rate. And there was no way to apply my payments to the offers with XXXX  % apr until I pay off the offer with the higher rate of XXXX. Resulting in me likely be force to paid over XXXX  % interest on XXXX rather than XXXX on the same amount. Had it been clear I would not have taken advantage of the offer