davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (MN)

My credit card was stolen in XXXX XXXX XXXX XXXX 

I reported that my Fortiva credit card was stolen and no charges should be authorized. 

Fortiva sent me a new credit card to my home address however they did not put in a dispute for unauthorized charges made to my account. 

They have no internal fraud protection as charges kept being authorized on the same day. 

When I called and asked about the dispute, they told be I need to send a letter to them in the mail. Then when I escalated the issue, they said I could complete a paper form and e-mail to them. None of my other credit cards from other companies that stolen on same day require such a requirement. The form they sent does not allow me complete online or modify the document. 

Why is this only company that requires manual paper-work while all other credits cards already had all charges disputed and have credit my account but not Fortiva Fortiva is issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.myfortiva.com 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 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 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

MOHELA has NOT placed me on the income based repayment plan I requested months ago, despite me REuploading information. Now I'm receiving UNAFFORDABLE loan repayment bills. 

MOHELA also did NOT calculate my previous loan payments correctly for PSLF.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

My credit card account was canceled by American Express, although I pay all bills in full every month. American Express stated that I abused their payment dispute policy, which I disagree. There are two issues with their practice, and I need to get reasonable resolutions. 

( 1 ) while they don't have evidence to show why I was considered as abusing dispute policy, they also limited the redemption option of the award points that I have earned across all current and historical relationships with American Express ( this is because American Express has XXXX reward program rather than one reward program per card/account relationship ). I was told that I can now only redeem my American Express reward points to gift cards, I can not redeem them in other ways such as transferring to partnership airline award programs. There is no clear Term and Condition stating that limiting reward point redemption method, hence I believe I have the right to redeem my award point the way I desire, rather than forced to be redeemed through getting gift card. I have more than XXXX points, this worth more than {$2600.00}. I don't need gift card that to be this much, I want to transfer to airlines. 

( XXXX ) As my account was closed in the middle of the month, and I can not use the card anymore, I request prorated annual fee to be returned back to my account/ or issue a check for me, due to not able to use this card. the underlying rationale is that American Express should not charge me fee when they cancel my account, and prohibit me to use the card.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AZ)

To Whom It May Concern : I have repeatedly asked XXXX XXXX CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, XXXX XXXX CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by NATIONAL CREDIT ADJUST collection agency substantiating their claims ( account # XXXX amount {$990.00}. Furthermore, I have requested XXXX XXXX CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This letter is in response to XXXX XXXX CREDIT REPORTING AGENCY recent claim XX/XX/XXXX that NATIONAL CREDIT ADJUST, collection agency, has verified that the ( account # XXXX ( XXXX XXXX amount {$990.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a re investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with XXXX XXXX CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your non-willfulness.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

Hunt & Henriques , LLP violated federal and state law in their attempt to collect debt : 1.Hunt & Henriques violated FDCPA 15 USC 1692h 809 by not providing a statement in their initial communication allowing thirty days to dispute the validity of the debt.

2. Hunt & Henriques violated the California Fair Debt Buying Practices by not : ( a ) identifying themselves as the sole owner of the debt ( 1788.52 -a1 ) ; ( b ) the date of default or last payment ( 1788.52-a3 ) ; ( c ) Providing the names and addresses of the charge-off creditor and the charge off creditor 's account number identifying the debt ( 1788.52-a4 ) ; ( d ) or a separate prominent notice stating that I may request a copy of the contract or other documents evidencing the agreement to the debt ( 1788.52-d1- ( 6 ) and ( e ) and failing to omit Section 605 ( a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ) 1788.52-d2 In the summons and complaint filed by Hunt & Henriques , the aforementioned also engaged in unfair debt practices by not identifying themselves as the plaintiff and instead named XXXX XXXX XXXX XXXX XXXX as the plaintiff even though they purchased the debt from XXXX XXXX  XXXX , XXXX and therefore are the sole owners of the debt and will gain financially from the debt rather than XXXX XXXX  XXXX , XXXX. 

Did not provide under the California FDPC 1788.58 1. The date of default of the date of the last payment ( 5 ) 2. The name and address of all persons or entities that purchased the debt after charge off ( 7 ) 3.That the debt buyer has complied with section 1788.52 4.A copy of the contract or other documents described in subdivision ( b ) of Section 1788.52 shall be attached to the complaint ( subdivision b of Section 1788.58 )
Consumer complaint received 2024-05-01
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. (NY)

I am writing to formally dispute and report instances of identity theft that have affected my credit report. Upon reviewing my credit report, I discovered fraudulent accounts that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into these unauthorized activities. 

Details of Identity Theft : 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 have taken the necessary steps to report these instances of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into these fraudulent accounts and inquiries and take immediate action to remove them from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities.
Consumer complaint received 2024-05-01
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable a item that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

Credit Bureau is XXXX the account is : XXXX XXXX XXXX I filed a dispute XXXX XXXX I asked for information proving the information was accurate I received no response they actually stated it was accurate
Consumer complaint received 2024-05-01
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable a item that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

Credit Bureau is XXXX the account is : XXXX XXXX XXXX I filed a dispute XXXX XXXX I asked for information proving the information was accurate I received no response they actually stated it was accurate
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have always made my payments on time, and I am certain of this. What I am not sure about is why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (UT)

I was a secondary cardholder on an account until XXXX, when the primary cardholder removed me from the account. The primary cardholder later was unable to pay their bill and now I have had repeated calls from American Express or parties that represent American Express to collect this debt. They always ask for the primary cardholder and I tell them that I have not had contact with the primary cardholder since XXXX. I tell them to stop calling me, they say they will stop calling... then they call again. The calls had stopped for 6 months after I made my last complaint to the CFPB ( complaint XXXX ) until they started again, and they're always from a spoofed local number on the caller ID. Recent Call list : XXXX XXXX  XX/XX/XXXX XXXX AM XX/XX/XXXX
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1691 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself
Consumer complaint received 2023-05-01
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. (IL)

My name is XXXX XXXX XXXX I do not have any other names or aliases, and I do not wish to disclose ANY other names or aliases. Unless you can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. 
My current unique address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Unless you can produce or present to me your legitimate AUTHORITY to retain these on my credit report. Otherwise, you are infringing my consumer rights. 
I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these Employers I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. Otherwise you are infringing myconsumer rights. 
I DO NOT give you Authorization to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Recording my social security number in my credit report could potentially cause security issues and may lead to IDENTITY THEFT. 
Please DELETE ANY social security numbers from my consumer credit report. 
My date of birth is XX/XX/1988. I do NOT have any OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported on my credit report. Therefore, if ANY Dates of Birth exist DELETE IMMEDIATELY or produce PROOF of your legitimate AUTHORITY to retain this on my credit report otherwise you are infringing my consumer rights. 

Thank you in advance for complying with my wishes. I would like an updated version of my corrected profile as soon as I you resolved the inaccuracies listed above.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid 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 (PA)

I have an old Capital One card i never used. 
I received the XXXX  XXXX  monthly statement with a {$39.00} annual fee and promptly called to cancel my account ( see attached ). 
I shredded the card thinking everything was good to go. 

I just checked my credit and they have been adding late fees and reporting to the credit bureaus 30, 60, and 90 days late! 

The balance has now grown to {$150.00} with added late fees on an annual fee! 

Most importantly, I have received ZERO communication from Capital One for the past 5 months advising of a delinquent account. To my knowledge, this is a blatant violation of the FCRA along with other banking regulations. My wife- XXXX XXXX- is an authorized user on this account and her FICO has also been significantly impacted by this issue as well. 

I have contacted customer service requesting escalation of the issue as the agent who answered was clueless with regards to credit reporting and the damaged incurred by their blatant mismanagement of this situation.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX, XXXX - XXXX {$2400.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXXXXXX - XXXX {$540.00} XXXX XXXX XXXXXXXXXXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) has violated my rights. 

This is a medical bill that was reported on my credit report. The bill was entered with the incorrect medical code and provided to my health insurance. My health insurance will not pay it as it was never corrected by XXXX XXXX. I am unable to purchase my dream home with this negative remark.