davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Atlantic Consumer Services (NC)

Mid Atlantic Consumer Services LLC XXXX, NY XXXX phone XXXX has repeatedly harassed me and my family regarding a bad check that I did not write. They will not stop calling me and I have repeatedly advised them to stop. They have threatened me repeatedly and I have filed a complaint with the XXXX XXXX XXXX as well.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

CapitalOne credit card for 21 years. Suddenly closed my account that was always paid on time. They claim to have sent an email but while chatting with the customer service folks and their manager could not find the information on my page. We worked together to try and find the information however even the manager could not find it. I could have remedied the issue had I known there was an issue and followthrough that was needed. I had XXXX rewards with a {$850.00} value that they will not honor or give the option to pay against a small balance I have on the card. Not ethical to keep my money earned over the 21 years I used this card.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. Also, the student loans are in mandatory deferment so no way to incur a late. As well as how can I get a 90 day late when you never been 30 or 60 days late You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2024-07-06
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: Affirm Holdings, Inc (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-08
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: DISCOVER BANK (SC)

Hi, I have NOT authorized no inquiries from these following Companies : Nobody should be tampering with my information! 


Discover Financial Services XXXX XXXX XXXX XXXX I would like these inquiries removed from my report immediately it is hurting my score. Please assist me in doing so. 

Thank you
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

I need to file a complaint with your office about Equifax credit reporting Agencies On XX/XX/XXXX I filed a lawsuit in court on the Above Company. for Failure to Respond to a consumer dispute with in the time allow which is 30 days per the FCRA On XX/XX/XXXX court date the Judge in XXXX County Minnesota Found the Defendant Equifax guilty of the FCRA violation! Court case # XXXX per the FCRA if any of the reporting company or such agencies failure to complete an investigation the accounts or such trade lines must be Deleted I recently reviewed my credit report with the listed company above they are still reporting all of the accounts that broke the law on from the start On XX/XX/XXXX! Also as of today they are still in violation of the FCRA. Equifax just Will not Learn But I will Tell you this Much if the Tradelines are not removed by Midnight On the date of XX/XX/XXXX I XXXX XXXX XXXX Will File Yet another suit on the above Company! I promise you people are way out if Line! CFPB you and FTC needs to do more in your roles about these reporting company this is why they Do it because you guys dont do your Jobs as well I mean you see these Violation and yet you do Nothing! But for the burden of proof I will not set around and Take Equifax or anybody else XXXX   after speaking with a Lawyer the Other Day he stated Well keep on suing them and I promise I will Equifax XX/XX/XXXX at Midnight or I will see You back in District court for a mush much larger settlement promises! 
Remove the accounts you lost your chance to report these tradeline because you failed to do your Job per the FCRA ARE YOU NOT ALLOWED TO REPORT THESE ACCOUNTS ITS NOT HARD TO UNDERSTAND! 
1 XXXX 2 XXXX 3 XXXX XXXX XXXX 4 XXXX 5 XXXX 6 XXXX 7 XXXX XXXX  8 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX  / XXXX 10 XXXX XXXX   11 XXXX XXXX
Consumer complaint received 2024-07-02
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: DISCOVER BANK (WA)

XXXX Discover credit cards XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I'm a person with a XXXX ( I have WA XXXX XXXX ID ) and can not climb more than a small flight of stairs ' I booked a hotel in XXXX XXXX for XXXX for {$460.00} was charged to my Discover credit card for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX their XXXX it showed only XXXX fight of stairs when I arrived the XXXX hotel had XXXX XXXX of stairs up to the hotel rooms ( video included here ). I disputed though Discover and hotel claimed they showed pictures of stairs in ad ( but they only showed XXXX flight ) and they would not refund. My adult son walked up/down the stairs speaking to hotel staff but they refused to refund and offered a lesser basement room which still had multiple stairs. I immediately got on phone with Discover to no avail. I submitted to Discover and they claimed to try and dispute but gave me little info and the Discover website would not let me attach videos after multiple attempts to attach and numerous phone calls to Discover. i'm asking to be reimbursed the XXXX and neither hotel, or Discover will do the right thing and reimburse me.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

My name is XXXX XXXX and I'm a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 

Fraud has been committed on my consumer report, which violates the Fair Credit Reporting Act ( F.C.R.A ) and Fair Debt Collection Practices Act ( F.D.C.P.A ). Portfolio Recovery Assoc. is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR THE ACTUAL ACCOUNTING : REGARDING LIST OF COLLATERALOR STATEMENT OF ACCOUNT IN REFERENCE TO U.CXXXXC 9-210. 

This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Portfolio Recovery Assoc..

Please be advised that providing a memorandum or other statement from your agency, stating that Portfolio Recovery Assoc. has the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hi, hope all is well! My name is XXXX XXXX and I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from. Please REMOVE this information no more than 15 days after receiving this request as required from the law in the FCRA. 

The following accounts : Account : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2022 ACCOUNT TYPE : AUTO LOAN Inquiries : XXXX XXXX XXXX XXXX DATE OF INQUIRIES : XX/XX/2022, XX/XX/2022 and XX/XX/2022 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. These accounts should not be furnished on my consumer report as they are in VIOLATION. I am a victim of identity theft, it has been 30 days and you are in violation off this law! Please delete these items immediately. 
Under, 15 U.S Code 1681b In addition, XXXX, XXXX and Experian are suppose to report everying 100 % the same and correctly. Please delete this inaccurate information off of my credit report. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Identity Theft report
Consumer complaint received 2023-09-16
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. (GA)

I have made several attempts since XX/XX/XXXX  and every month afterwards. My last date I sent another dispute was on XXXX XXXX  XXXX has fail to provide me verification of proof of the bankruptcy of the name and contact person whom they said they verified with at the United States Bankruptcy Court. I also sent a letter to XXXX from the bankruptcy court stated that they didn't provide no information to any credit agencies. 

XXXX also fail to remove addresses and names that does not belong to me. 

There are several accounts that is not mines that they keep saying is verified as accurate but I have ask repeatedly for the name and number of the person they spoke with to provide this information and they have fail to do so I really need some help because I'm constantly disputing every single month and have spent plenty of money sending out certified mail to them every single month. This is affecting me for getting a house I need my credit report to be fix, updated and report accurate
Consumer complaint received 2023-10-26
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: CITIBANK, N.A. (FL)

On XX/XX/XXXX I did a purchase in XXXX, to XXXX, a furniture company. originally, the transaction for XXXX {>= $1,000,000} pesos or {$5500.00} was requested to be voided, hoewver one month later, by a letter, mail and phone call I confirmed to Citicard the transaction was correct, and requested them to charge my credit card. The Bank in XXXX, paid to XXXX the XXXX {$29.00} XXXX pesos, and XXXX delivered to me at satisfaction the furniture. 
Citicards, despite my continuous letters and mails, debited and credited the {$6500.00} to my account. They stated theyw ere investigating the report ( by the way, never contacted XXXX ). Suddenly in XXXX XXXX the XXXX bank took away from XXXX the {$29.00} XXXX pesos. XXXX has been asking me to pay them for their sales, I have stated to XXXX many times, to reimburse XXXX and charge my account. 
Finnaly, they charged me again on XXXX the XXXX but have refussed to reimburse XXXX the XXXX XXXX pesos tI owe them. The bank in XXXX contnues saying they have no instructions from XXXX to reimburse the {$29.00} XXXX XXXX pesos. Citicards refuses to give me a letter stating they have charged me and they will pay XXXX in XXXX. XXXX is talking about suing me in XXXX.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC (TX)

The collection is with Jefferson capital system account number XXXX. Date opened XX/XX/year> with the XXXX company. The amount on collection is {$2700.00}. I need this collection to be removed from all 3 credit bureaus. Also I need more information including my identity where this debt come from what year.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I did not consent to, authorize, nor benefit from any of the following inquires I want them blocked & removed immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Autovest, L.L.C. (OH)

XXXX was from XXXX now its XXXX trying to renew judgement original balance was XXXX now balance is XXXX. Continued to charge interest after loan matured.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  Account # XXXX Because I can't seem to find any please provide proof that I've ever been late on a payment to this account. In the event that you are unable to produce evidence of a late payment, you need to change the status to paid on time every time ( s ). 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

They claim to never get payment in XXXX but I got a statement proving the received
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  Account # XXXX Because I can't seem to find any please provide proof that I've ever been late on a payment to this account. In the event that you are unable to produce evidence of a late payment, you need to change the status to paid on time every time ( s ). 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

They claim to never get payment in XXXX but I got a statement proving the received
Consumer complaint received 2024-06-28
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 (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (SC)

Paypal wrote a book during the last dispute that did not make any sense it was 3 transactions that were made at 1 machine {$60.00}, {$40.00}, {$100.00} that I received the incorrect amount of money, and if they have audit tapes please provide them me footage of me withdrawing the amount of money that paypal say I withdrew, also the {$230.00} was a unauthorized transaction i have auto insurance and I was just shopping around for insurance, and never committed to transferrirng my insurance to this company XXXX XXXX, If you have my signature on any of their documents if so then please provide that so I can see, that my signature was also forged, if not then If I say it is unauthorized how is Paypal to say what is authorized and what isnt they are not me, and If i say it was unauthorized then they should have treated it as if it was unauthorsized they violated regulation e policy they cant make me be insured with a company I didnt want to become my insurance provider and that is why they refunded me back but paypal should have got my full amount refunded and I do not owe paypal anything once they correctly refund me for the unauthorized transaction, the {$100.00} they owe me they can refund it by check or by sending it back to the bank account they fraudulenty withdrew it from
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (MD)

Citibank checking account. XXXX fee disclosures stated a XXXX $ monthly maintenance fee will not be charge if XXXX ) maintenance a balance of {$1500.00} or XXXX ) have XXXX monthly deposit. 

I opened my account to receive monthly social security benefits as I am retiring. I will not receive my first paymen until XX/XX/2023. I maintained my account balance at XXXX for the first month but on the XXXX month I was hit with the fee. 

I called them and they said my account balance dropped to XXXX 

But this decrease was due to them improperly charging me the fee. I should had never been charged this fee. I asked for a reason why it happened and they were not able to response and did not know why it happened. I am retiring soon and keeping a close eye on my account as every XXXX matters. 

If this is happening to me. Other seniors would be affected and not realize. This is completely unethical and improper to do to anyone especially when I'm a senior citizen and indicated that I'm opening the account to recieve social security benefits. 

It made me feel that they're were trying to take advantage and see if they could get away from it.