davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On around XX/XX/2018 I applied for a XXXX card from Capital One and I received a XXXX XXXX XXXX XXXX XXXX with my excellent credit scores of XXXX XXXX and XXXX XXXX. 

My credit limit was only XXXX and I just received my XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 and I did request a higher credit increase over XXXX and made contact with Capital One rep on XX/XX/2018. 

With my excellent credit scores I should have receive a credit limit around XXXX or more and my XXXX Card that I requested. 

I am XXXX XXXX and XXXX .Very Urgent Matters
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Contact debtor on XX/XX/2019 to request proof that this is a valid debt. The companies are reporting information to my 3 credit reporting agencies without providing validation. This causing injury to my person because I am not able to obtain new credit based on these false invalidating claims.
Consumer complaint received 2024-02-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

On XX/XX/XXXX, I was contacted regarding a debt for rental collection that I did not assume. I sent a cease and desist letter to the company, COLUMBIA DEBT RECOVERY LLC DBA GENESIS. They continue to contact and harass me. The debt is in reference to an apartment rental in XXXX, GA. I have never been a resident of the state of Georgia nor the City of XXXX.
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

XXXX claiming I owe for a bill, trying to say I owe for a month I did not have service. I switched from XXXX XXXX XXXX XXXX XXXX XXXX Accounts were checked nothing was owed or I couldn't get new service. I have had XXXX for 2 years. Called XXXX from XXXX XXXX XXXX XXXX store XXXX of XXXX and they said it was a mistake and it would be removed, obviously it was not removed. We paid for service every month for that month. If we didn't pay we did not have service. We never did not have service. So this makes XXXX sense. Its been over a year and now its surfacing again. Jefferson Capitol has the dept for {$130.00} this is not right to try and collect a dept I do not owe.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XX/XX/1986, XXXX XXXX XXXX XXXX : {$4500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX  XXXX XXXX Balance : {$410.00}
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

I am not liable for this debt with Midland Credit Mangement {$860.00} Account Number XXXX Midland Mangement {$1400.00} Account XXXX They did not provide me with the original contract with my signature and ID verification According to 15 USC 1681 stats a consumer credit report It is illegal for a collection agency to report negative items on my credit report and promotes accuracy, fairness and the privacy of personal information assembled by ( CRAs ) Credit Reporting Agencies, I did not give written permission to have those accounts furnished on my credit report. Please removed off all 3 credit bureaus.
Consumer complaint received 2023-11-01
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (HI)

They arbitrarily change scores like its stock market and theyre inside traders. This XXXX has been going on for 10 plus years. The 3 credit agencies are as corrupt as you can get. They are XXXX. I have perfect credit yet they constantly rise and lower my score to try and get me to buy other products. I need to XXXX them for a XXXX dollars each to effect change. Do your jobs and go after these XXXX for ripping off America
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (MO)

To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against Velocity Investments llc for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, Velocity Investments llc does not hold a valid license to collect debts within the jurisdiction of Missouri.

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB.

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that Velocity Investments llc ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on Velocity Investments llc to deter similar violations in the future.

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against Velocity Investments llc to delete all credit reporting immediately.

Thank you for your attention to this matter.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (MD)

I made a deposit to my savings account at CIT Bank via ACH on XXXX. As of today, XXXX, the funds are still not available. It was a large deposit, some $ XXXX and change. It was my understanding that the should have released some of the funds. They have not. I called the bank and they stated that the hold would stay in place until XXXX well in excess of their own policy.
Consumer complaint received 2020-09-25
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: Experian Information Solutions Inc. (VI)

There are quite a few hard inquiries showing on my credit report that was not authorized by me and therefore I am asking the credit reporting agencies to please delete them. The only ones that I know of are 1.  XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX .3XXXX XXXX XXXX. The other hard inquiries was not authorized by me.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/XXXX I received an email from Chase We're thanking you with an up to {$900.00} offer! When you open a new Chase Total Checking account and new Chase Savings account with qualifying activities. The email provided the code but stated Coupon code applied when you click Open an account. On XX/XX/XXXX I opened both accounts online by clicking on the link in the email and received a confirmation email. By XX/XX/XXXX I have satisfied all the requirements but havent received a bonus. I called Chase on XX/XX/XXXX, and was told that I have satisfied all requirements for the bonus and the case will be investigated ( given ticket XXXX ), I should hear from them within a week. I havent heard and called back on XX/XX/XXXX, when I was again told the case is still under investigation. I missed a call from Chase on XX/XX/XXXX. They left a message to call back XXXX at XXXX, ext XXXX. I started to call immediately and called multiple times, leaving XXXX messages. I also left a secure message on Chase website in response to their message, explaining the case and attaching screenshot of the email I've used to open the accounts. Being unable to reach the designated Chase associate, I called a general Chase line on XX/XX/XXXX and was told that the case was closed because Chase never heard from me. I explained that I had called multiple times and two Chase associates XXXX and XXXX told me they reopened the case as XXXX and I should expect a phone call from Chase. On XX/XX/XXXX I received a call with a voicemail to call back XXXX at XXXX, ext XXXX. Since XX/XX/XXXX I again called 5 times at different times, leaving several messages but still unable to reach them. I feel that Im intentionally ignored by Chase in order not to pay the bonus.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

Applied for Citi simplicity cars on XX/XX/year> and received the card a week later. Before any application was pushed through I asked the representative if credit could be reallocated from my accounts to my new account and they said it could. Once the card was activated I was told that was not the case and XXXX out of luck. I wouldnt have opened the card if this was the case.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2024-01-15
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. (CA)

Transunion is not following the laws!!!! I'm going to file a personal law suit ... all the other credit bureaus has removed these items and has done there job and followed the laws and Transunion has not... XXXX XXXX CREDIT CARD IS A FRADULENT ACCOUNT OPEN TO A DIFFRENG ADDRESS THAT DOES NOT BELONG TO ME THAT WASNT ON MY CREDIT REPORT!!! I sent In my police report FTC report and they have not given me the signed ORGINAL agreement so I can see who open the account who signed the agreement... I have nothing!!! I need them to remove this account off my credit asap
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX Department XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Credit Dispute for Account Reporting Violations Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report, specifically regarding the accounts listed below. As per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information reported on my credit file is accurate, fair, and substantiated. In accordance with 15 USC 1666b, creditors are obligated to provide timely information as outlined in section 1637b, which they have failed to do so. 

I am requesting proof that the required information was mailed or delivered 21 days before the payment due date, as mandated by law. Failure to provide such validation would render late payment reporting invalid, thus requiring the removal of these derogatory marks from my credit report. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request that you conduct a thorough investigation into these matters and provide me with documented proof of compliance with the aforementioned consumer protection laws. If such evidence can not be provided, I expect the inaccurate reporting to be promptly removed from my credit file.

Please inform me of the steps taken to address this dispute and the resolution thereof. You may contact me at the provided phone number or email address to discuss any further information required to facilitate this process.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I had a car loan through Credit Acceptance Corporation, the car was totaled in a car accident. On XX/XX/2023, I received a notarized letter from them along with the title for the car via registered mail stating that I had been released from the XXXX. About a week later i received a letter stating that my wages were being garnished due to defaulting on the auto loan. I called Credit Acceptance and asked for an explanation, the representative I spoke to told me to disregard the letter and not to worry since I had been sent a notarized release of XXXX and had the title. Not only were my wages garnished starting XX/XX/2023 ; Credit Acceptance has also been reporting to all 3 credit bureaus that I have not made any payments on the loan from the start of the loan to now. This is not only inaccurate but has caused me tremendous financial strain. Due to their false reports to the credit bureaus, I have not been able to get a new car because it appears that I have an un-paid open loan. And due to my wages being wrongfully garnished, I was ultimately forced to resign from a job I loved because I had to move out of state due to not having a vehicle and my wages being cut. Credit Acceptance Corporation has violated my rights per 15 US Code 6801 - Protection of Non Public Information, I never gave written permission for them to furnish my non public personal information on any reports. They have also violated 15 US Code 6802- Obligations with respect to disclosures of personal information & 15 US Code 6803 - Disclosure of Institution Privacy policy. They have also produced inaccurate information on my credit report. They are also in violation of 15 US Code 1681 and US Code 1681b.

I was also never given the option to opt out of my information being reported in the first place which is my right as well.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX XXXX inaccuracies and intentionally reporting false balance, XXXX ( XXXX XXXX XXXX XXXX reporting to the CRA XXXX ( Consumer Reporting Agencies- XXXX, XXXX and TransUnion ) XXXX reporting amount balance of {$670.00} and the amount past due {$670.00}. 
Original creditor XXXX XXXXXXXX XXXX reported to the CRA 'S on credit report XX/XX/year>, that the amount balance of {$570.00} and amount past due {$150.00}. 
See attachments. 
XXXX XXXX XXXX also reporting XXXX accounts on my credit report. See attachment. 
Delete and remove these duplicate accounts immediately. 
XXXX XXXXXXXX XXXX # XXXX, TransUnion XXXX XXXX XXXX and XXXX.
Consumer complaint received 2024-04-12
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. (GA)

The Credit reporting agency has not thoroughly investigated this account and been reporting damaging information to my credit report. The company has violated my consumer rights. According to the FCRA, credit reporting agencies are required to ensure the MAXIMUM accuracy and integrity of the information they report. The presence of this fraudulent account is severely impacting my ability to obtain credit.
Consumer complaint received 2024-02-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (TN)

I have been contacted several times by hrrg trying to collect a debt in the amount of {$1300.00} I have requested specific information from them such as a copy of the original contract with my signature agreeing to pay said debt, a copy of the full payment history from the original creditor, name and address of the original creditor, proof that they now own or have been assigned said debt to collect, and a XXXX release form. I have requested thus information on several occasions and all they send me is an itemized billing statement. In XX/XX/2024 I again requested this information and their customer service representative said they can not provide this information and told me to retain an attorney after I asked them to dismiss this debt or I will file a complaint with the Federal Trade Commission and was informed that they were moving my file to the legal folder.
Consumer complaint received 2024-04-12
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. (MI)

Experian crashed my report after fraudulent activity by XXXX points. When I disputed incorrect information, they did not correct it nor did they give me the origination of the incorrect information so that I can report fraud. I believe Experian and even other credit institutions are given too much freedom. Experian has a real site and they have a false site. Credit card and loan companies from other countries are using experience to pull credit information and they are incorrectly using my information to determine creditworthiness and eligibility while maintaining false records. I have multiple loans on my account that do not belong to me. For example student loan that was taken out in XXXX  when I was not even enrolled in school using my social security number and my identity. Experian is also showing that I have eight vehicles in my name and the one that I actually have in my name legally by the state of Michigan is an even shown. How how can all of this be untangled? Experian is the real problem. I can't even get into my XXXX or Fico without paying an enormous fee. When are these XXXX going to be held accountable for stealing American citizens identity? I can't even explain how pervasive this is. It's possible that there are people robbing state governments with this type of activity. It is possible that dummy corporation have nothing better to do than to ruin American lives. Please help me I don't know where to go and I don't know how to start this. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank manager in XXXX XXXX gave me his word that a customer of the bank and friend of mine would have access to his business bank account after a deposit of {$7000.00} was deposited. I sent {$5000.00} of the money and friend XXXX XXXX paid the other {$2000.00}. XXXX XXXX bank manager XXXX. I have this conversation via text with him and he gave me his word and then today said XXXX XXXX had to deposit another XXXX. He told me me XXXXtotal to get access to his account. He lied and committed fraud against me. I want my {$5000.00} back.