davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One sold my information without me knowing it to XXXX XXXX XXXX, XXXX. My credit card was hacked. I noticed unknown activities being done on my card. I called Capital One and told them this. I also told them to freeze my card and I destroyed mines after knowing that thieves were running in and out of my new home. I was paying monthly but it just got out of hand. The next thing I know this collections agency has been blowing me up about payments or pay the full amount on this credit card. So Im suppose to pay for this card and thieves abused the card. This collections service is eating my was good credit up. This card has been used through Identity Theft and several other cards as well. I received an email from XXXX My ID from XXXX XXXX. It showed me this information like Im on the XXXX wed site my SSN and Driving License has been hacked. I have a collections agency calling me pretending to be XXXX XXXX, there telling me I have a bill for {$1300.00} sum for a loan. I told them its not me I havent been to XXXX last year or have any plans on going there. They call my number daily. I had a law firm look into it they told me to disregard there calls cause they dont exist. 
Im trying to get this collection agency resolved with knowing Ive been hacked in many ways, please assist me with the removal of this unfortunate misery.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

They report to my credit account that was late XXXX, through XXXX of XXXX my statements show payments on the XXXX through the XXXX of each month. On time but charged late fees. They said I missed payment 's XXXX through XX/XX/XXXX as well as XXXX and XXXX of XXXX. All payment 's where made on time. I paid on the first XX/XX/XXXX I got a late fee. I paid on XX/XX/XXXX and wasn't charged a late fee. I have my account transaction history included which clearly shows payment 's made on time. 
I wish to have the late fees reimbursed as account credit and remove the negative remarks on my payment 's from the credit companies. As you will see in the documents attached. I have never missed a payment or been late. Sometimes I paid early at the end of the prior month a few times. They didn't acknowledge my payment. I need all the information updated correctly and promptly by Santander consumer.
Consumer complaint received 2024-06-15
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: GOLDMAN SACHS BANK USA (IL)

I have several charges on my credit card I did not make. These transaction happened in the XXXX of XXXX. I call the credit card company and told them which charges were fraudulent charges made to my account. They are currently investigating the situations and I'm filing this as recommeded by every entity that has advise on this matter.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (MI)

The following companies did hard inquirys on my credit report and I had not reached out to any of them. Also, XXXX of the companies XXXX XXXX has an open account, spoke to them told them I was not aware of this and they didnt do nothing. I spoke to XXXX and XXXX they said they will remove it once I file this report. I have no knowledge of the below hard inquires listed below and the one with XXXX XXXX and that open account. There Were multiple different names and addresses on my reort also they remove with numerous amount of addresses also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION (CA)

THIS ACCOUNT IS REPORTING DIFFERENT INFORMATION IN THE 3 AGENCIES WHERE THE ACCOUNT IS REPORTED, INACTUAL INFORMATION SUCH AS THE LAST PAYMENT DATE, THE LAST VERIFICATION DATE, AMONG OTHERS, Does not Match, also THIS COMPANY DOES NOT RESPONSE TO MY REQUEST FOR possible disclosure of my non-public personal information to unaffiliated third parties without my prior notice and consent. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802, outlines a financial institution 's obligations with respect to such disclosures.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (MD)

Certified Letter of Intent to Dispute the Debt sent to Debt Collector on XX/XX/year> via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, living breathing woman, affiant, declare that I am of majority and competent to state the matters set forth herein with firsthand knowledge of the facts, I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will be XXXX XXXX, consumer and autograph as the agent. attorney in fact, STATEMENT of FACTS The Fact that Affiant, is aware and has proof that Credit Control LLC. In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692 C-Communications in connection with Debt Collections, Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Fact that Affiant, is aware and has proof that Credit Control LLC . In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692g-Validation of Debt- ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) Disputed debts-If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

1. I, XXXX  the consumer is disputing this debt, Credit Control LLC. You should not REPORT THIS DEBT to the CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ). If you have already reported it, please contact the credit reporting agencies within 10 days of receipt of this notice, inform them that the debt is disputed, and ask them to DELETE the credit reporting. { please provide a written correspondent regarding VALIDATION of DELETION from credit reports. 

Thank you for your attention to this matter. 

XXXX-Consumer
Consumer complaint received 2024-08-28
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (MD)

Certified Letter of Intent to Dispute the Debt sent to Debt Collector on XX/XX/year> via certified mail # XXXX XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, living breathing woman, affiant, declare that I am of majority and competent to state the matters set forth herein with firsthand knowledge of the facts, I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will be XXXX XXXX, consumer and autograph as the agent. attorney in fact, STATEMENT of FACTS The Fact that XXXX, is aware and has proof that Credit Control LLC. In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692 C-Communications in connection with Debt Collections, Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Fact that Affiant, is aware and has proof that Credit Control LLC . In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692g-Validation of Debt- ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) Disputed debts-If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

XXXX. I, XXXX  the consumer is disputing this debt, Credit Control LLC. Should not REPORT THIS DEBT to the CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ). If you have already reported it, please contact the credit reporting agencies within 10 days of receipt of this notice, inform them that the debt is disputed, and ask them to DELETE the credit reporting. { please provide a written correspondent regarding VALIDATION of DELETION from credit reports. 

Thank you for your attention to this matter. 

XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have formally requested documentation and validation of the original date of delinquency for four separate credit card accounts currently being reported on my credit report by Portfolio Recovery Associates. These accounts became delinquent in XXXX and XXXX. However, Portfolio Recovery Associates is using the date they purchased these accounts from the original creditor as the account opening date. They have refused to provide me with any verification of the original date of delinquency and have not updated their reporting accordingly. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive verification of any alleged debt, including proof of the original date the account became delinquent and the amount owed at that time. Portfolio Recovery Associates has falsified the information, thereby extending the reporting of these accounts beyond the 7-year limit from the original date of delinquency. 

I have attached documentation provided by Portfolio Recovery Associates that demonstrates this falsification of information, as well as a copy of an XXXX credit report.
Consumer complaint received 2024-06-12
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: Rubin & Rothman, LLC (NY)

I receive a lawsuit notice during the time period I'm allowed to respond to the summons/complaint notice!!! Not cool!! You have to let people respond to the original notice and there's a time period!!
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am aware that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting. According to the law, I am entitled to {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-24
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)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. ()

Certainly, here are additional lines addressing the inconsistencies and lack of communication from Remitly : Moreover, I am appalled by the glaring inconsistencies in Remitly 's responses to my inquiries. Initially, one agent affirmed that the account number provided was accurate, only for another agent to contradict this statement by claiming that the last four digits did not match. Now, I am being informed that the entire account number I entered is incorrect. This raises several alarming questions. Firstly, why was I not promptly informed of this discrepancy on the very first day? Secondly, why is there a constant shift in Remitly 's stance on the matter? Thirdly, if indeed the account number was incorrect and did not match the associated name and phone number I provided, why was the transaction not halted at that crucial juncture? What is the purpose of collecting personal information such as name and phone number if Remitly 's protocols fail to prevent such errors and discrepancies? It is evident that Remitly 's processes are deeply flawed, and their actionsor lack thereofhave only compounded the issue, exacerbating my frustration and distress.
Consumer complaint received 2024-06-13
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: JPMORGAN CHASE & CO. (OH)

My information got hacked and someone applied for a credit in my name to JPMCB on XX/XX/year>, A fraud inquiry was put in my file, I would like it deleted Thank you
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (MA)

The company is XXXX loans. I took out a loan for {$450.00} on XX/XX/XXXX and I've been paying {$65.00} every Friday starting XX/XX/XXXX. My original balance was {$520.00} and it only went down to {$500.00}. I also paid an additional {$30.00} and it didn't seem to make a difference. My loan number is XXXX. Their email is XXXX XXXX
Consumer complaint received 2024-09-11
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX account number XXXX amount {$450.00} XXXX XXXX  account number XXXX amount {$460.00} XXXX XXXX XXXX XXXX account number XXXX amount {$580.00} XXXX XXXX XXXX account number XXXX amount {$600.00} XXXX XXXX XXXX account number XXXX  amounts {$1000.00} XXXX XXXX XXXX account number XXXX amount {$2100.00} XXXX XXXX XXXX account number XXXX amount {$23000.00} have violated my rights 15 u.s.c. 1681 section 602.a status i have the right to privacy.

15 u.s.c. 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c. 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crime 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. my information was exposed to a data breach.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC (GA)

In 2019 I was arrested by and sent to XXXX. My belongings was mailed by XXXX  XXXX  to my home address which I did NOT ever receive my belonging. Which include my wallet with my State ID, social security number, and my credit cards, car key and house key and cellphone. My information was being theft and my credit cards was being used by the thief, I also did NOT give my consent or written agreement or verbal agreement to any third parties interfering with this diet
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

I was recently informed that my apple card issued by Goldman Sachs has been closed with no explanation. I have contacted apple support to get a resolution or explaination as for why my account was closed and they refused to provide any details informing me why my account was closed. I have always been in good terms with the service provider and never missed any payments, so I am not clear they did close my account.
Consumer complaint received 2024-09-11
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX account number XXXX amount {$450.00} XXXX XXXX account number XXXX amount {$460.00} XXXX XXXX XXXX XXXX account number XXXX amount {$580.00} XXXX XXXX XXXX account number XXXX amount {$600.00} XXXX XXXX XXXX account number 1961 amounts {$1000.00} XXXX XXXX XXXX account number XXXX amount {$2100.00} XXXX XXXX XXXX account number XXXX amount {$23000.00} have violated my rights 15 u.s.c. 1681 section 602.a status i have the right to privacy.

15 u.s.c. 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c. 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crime 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. my information was exposed to a data breach.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: We Finance Inc. (TX)

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.

They have violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.