davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC (GA)

I received a notification from my credit card company that my credit score dropped drastically due to a failed debt collection on a debt that was from fraudulent activity. 
I received this notification around XX/XX/XXXX. 
I contacted the company that put the negative item on my credit report, XXXX. 
They informed me that it was for tires purchased in New York. I informed them that I live in XXXX and have never been nor purchased anything from New York. 
After an investigation by XXXX, they found that it was fraudulent activity and told me that they would remove the derogatory item from my credit report. After several weeks and additional emails, they finally removed it from my credit report ( which prior to this, was excellent ). 
At the beginning of XX/XX/XXXX, I received another notice from my credit card company that my credit score had once again drastically decreased. In looking at my credit report, a debt collection agency put a negative item on my credit report. 
I called this agency ( Leafy Financial , LLC. ) where they told me that they had purchased a debt from XXXX and that I could work out of payment plan to pay it off. 
I informed them that it was an invalid debt and that they need to remove it from my credit report immediately. I supplied them documentation ( emails ) from XXXX, who admitted the mistake and removed it from my credit report. I also provided a report that I filed with the FTC, and a dispute with XXXX, who also provided me with a letter stating they found the activity to be fraudulent, and removed the item from my credit report. 
XXXX found the debt fraudulent and STILL proceeded to sell that debt to another debt collection agency. This is not acceptable at all. 
I wrote XXXX again and have yet to hear back from them. 
I need some assistance in getting these two companies to straighten out my previously excellent credit report/score, to ensure they don't sell the debt to another collection agency and I have to go through this again, and that they stop knowingly engaging in activity that ruins peoples credit, with fraudulent debt report and collection methods.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

My rights are being violated by improper use of my consumer report. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XX/XX/2019 I receive a negative mark against my credit for missed payments or XXXX. I know for a fact that I paid these payments, which were processed online. As you can see I have been a long time customer with who's always made timely payments. I was never notified by email or by phone to inform me that there was an issue with my account. I found out when I obtained a letter from capital one informing me of a missed payment in XXXX in which I took care of it immediately. I contacted Capital One and they were of no assistance. Basically told me it, is what it is. I wasn't happy with that approach and wasn't heard out. I was so upset that I mailed out a letter to the company on XX/XX/19 and I have heard nothing from them since. I made a copy and will attach the letter I mailed to Capital One.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with ( XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (UT)

I filed a Borrower Defense application with Navient XX/XX/year>. Today, XX/XX/year>, I received a letter of denial with no explanation of the denial. I was approved for Borrower Defense on my Federal loans ( for the same school, XXXX University XXXX, so a denial through Navient does not make sense.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft and I need this fraudulent account removed from my credit reports. The account in question is a XXXX XXXX  - XXXX, which was opened on XX/XX/XXXX. This is not mine. While I do have an open account with them, this specific account is not mine. 

I have never been late with any of my payments on any of my accounts. You can check my credit profiles, and you'll see that I have a good payment history. It is absurd to me that my credit is suffering because someone stole my information. Please help me resolve this issue and remove the late payment record on my actual open account with them - XXXXXXXX XXXX - XXXX - XX/XX/XXXX. 

I initially reported this to XXXX and they responded to me on XX/XX/XXXX that they can't help me with it. 

I attached here my credit report, FTC report, ID and proof of address.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MI)

On XX/XX/XXXX at XXXX am I received a phone call from XXXX an unknown number to me, originating in XXXX XXXX XXXX. The individual on the phone, speaking broken XXXX and very difficult to decipher, asked to speak to me. They proceeded to tell me they were from a collection agency ( could not understand the name ) and that I owed {$780.00}. I asked for what and was told XXXX XXXX. I denied having any knowledge of the account and I attempted to verify the phone number they were trying to reach and the account number associated with the delinquent amount when the person hung up on me. I then received the same type of odd calls with broken XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. After XX/XX/XXXX I blocked the caller. I assumed this was a scam that I hear about all the time on the news, especially after the individual hung up on me when trying to verify. On XX/XX/XXXX I received notice from my credit monitoring service that a collection remark had been added to my credit report. I obtained the number to Sunrise Credit services, the company that placed the collection located in XXXX  and the same number from which I received the prior calls from XXXX, and informed them that this was not my account, that they did not properly notify me of the collection, and that they needed to remove the collection remark from my credit report. I was told I had to file a dispute and that it was not their policy to remove a collection from my credit report. I personally dont care what their policy is, they failed to notify me properly in order for me to dispute this account PRIOR to adding a collection remark to my otherwise outstanding credit report. This is a horrible way to do business, how many unsuspecting people, who dont actually owe any money to this company, pay them? They need to answer fro their disgusting business practices.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates (MI)

I was contacted by L J ROSS ASSOC about bank account issue with XXXX XXXX Bank. I informed them I was refusing to pay bill over excessive charges to my account. They told me there was nothing they could do ( I'd have to contact XXXX  XXXX ), but if I did not pay them, they would report to credit Bureu. I asked them if I paid in full right now, over three payments would they agree not to report to Bureu. They agreed, and all payments were made on time. Once all three payments were made, they reported me as late to XXXX and XXXX.. I disputed with both bureu 's but they only updated record to reflect I was paid in full. They refused to take away late payments. I was never late. I paid as agreed. They broke the agreement!!.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WI)

I used the Special Financing Offer mailed to me. My minimum payment was {$29.00} and knowing I had to pay off the promotional balance by XX/XX/XXXX I paid an extra {$100.00} per month to be used for the promotional payment. This extra {$100.00} per month was not applied to the promotional balance. Unfortunately, I do not look at my monthly statements and only now did I look to make sure the balance would be paid in full and found it was not applied and now I will owe close to {$600.00} in interest charges. I called the company on XX/XX/XXXX and was told I was suppose to call and request the extra XXXX XXXX monthly payment to be allocated to the balance due. I have re-read the promotional material mailed to me and no where in the description does it say this was required. They said they can only go back 60 days so they offered to apply my extra {$100.00} payment to my XXXX, XXXX, balance. In researching this I found that " the credit card company is required to apply the two payments before the delayed interest period ends to the delayed interest balance, in their entirety. '' Even if nothing can be done in my situation the entire payment was not applied to the " two payments before the delayed interest period ends '' - only {$100.00} was applied only because I called to complain. How many other thousands of consumers has this happened to?
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

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 informationisinaccurate.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (MA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (LA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

I received a notice through a credit monitoring company that XXXX  Home Depot credit card was cut by 50 % without any notice being sent to me. My credit was impacted by XXXX points. I had a $ XXXX credit limit, but due to my husbands death, I didnt finish the work on our house. I went from having a $ XXXX credit limit to $ XXXX within months of having used the card to finish our basement. MONTHS AND NOT YEARS! 

Is this how credit companies are allowed to punish consumers? Ive NEVER had a credit card limit reduced like this. The XXXX XXXX was the first and only company that has done this to me and it reduced my XXXX XXXX that was XXXX at that time!
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have asked each credit bureau to verify all info on my credit report is accurate on XX/XX/XXXX. Once the report came back from each, the reports all show inaccuracies from each furnishing companies after doing a personal thorough research. ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

Hard inquires Transunion XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX 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 an account without my written instructions. 

The furnishing company has inaccuracies in their reporting after stating all information is true to each bureau.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo did not properly investigate any of my XXXX fraud claims in XXXX, 2024. Instead, Wells Fargo falsely accused me of giving out my debit card and PIN # away without any proof. This is impossible since I had my debit card with me while these XXXX fraudulent charges incurred XXXX hours from my house. I requested Wells Fargo to provide me with any documentation regarding my investigation. I received no documentation. The merchant, XXXX XXXX in XXXX XXXX, CA, where the first Non Wells Fargo ATM charge occurred, does NOT exist. The merchant, XXXX XXXX XXXX in XXXX XXXX, CA, where the second Non Wells Fargo ATM charge occurred, also does NOT exist. The merchant, XXXX XXXX XXXX in XXXX XXXX, CA, where the third Non Wells Fargo ATM charge occurred, also does NOT exist. None of these businesses are real, therefore, how could legitimate ATM charges occur? I asked Wells Fargo for documentation on these XXXX merchants and they did not comply with my request. I will be contacting a lawyer regarding the lack of negligence by Wells Fargo. Bank negligence occurs when a financial institution, Wells Fargo, breaches the duty of care that they owe a customer resulting in financial loss. When a bank provides a substandard service, it can be held liable for damages. My debit card was hacked and Wells Fargo refused to investigate it and cover fraud. What is the point of a bank that doesn't protect its customers? 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (RI)

I checked my report and I noticed inquiries on my XXXX and Experian report that don't belong to me. I don't know why they are there but I never tried to apply for anything through these companies. Also Accordint to the Fair Credit Reporting Act section 604 - 15 U.S.C. 1681b these inquiries shouldn't be there I didn't authorize any of them to pull my credit. 
XXXX. 
1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX  XXXX XXXX  XXXX XX/XX/XXXX Experian. 
1 ) XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX Co XX/XX/XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

In XXXX of XXXX I sold my company XXXX XXXX XXXX XXXX a Stock Sale to another company who used XXXX financing XXXX help finance the purchase of our company. At the time of sale, my company had a Chase Corporate Credit Card which was secured by my company and me personally. In XXXX of XXXX the new owner and I went to the Chase Bank Branch located at XXXX XXXX XXXX XXXX in XXXX to discuss with the Business Banker how to transfer the corporate credit card to the new owner/business and remove my own personal liability from the account. The Business Banker told us to complete a Change of Authorizing Officer Request Form which would add the new owner as the authorizing officer and would remove me from the account and all personal liability. The new owner and I completed this form in person along with the help of the Business Banker and left the form with the Business Banker to process the transfer. The new owner and I together completed a similar process for all financial accounts at various institutions right after the sale of the business was finalized. 

Fast forward to XX/XX/XXXX ( 21 months later ), I received an email form Chase Bank regarding the old corporate credit card stating that Chase was making some changes to their credit card policies. I wondered why I received this email as I was no longer associated with the Chase Business Credit Card since XXXX of XXXX ( 21 months earlier ). 
After several calls to Chase 's customer support, I was told that I am still the Authorizing Officer on the corporate credit card account and that I am still personally liable for the charges on the account. The new owner of the company agrees that all the charges are his companys charges and that he and his company are liable for all charges following the date of the sale of the business. However, Chase continues to state that the new owner is not the Authorizing Officer on record and that I am the one responsible for his and his businesss charges. 

Instead of providing us the original Change of Authorizing Officer form that we filled out in XXXX of XXXX, Chase had the new owner and I fill out a new Change of Authorizing Officer form which we submitted on XX/XX/XXXX. On XX/XX/XXXX, I was told by Chase that the Change of Authorizing Officer request was denied and that I am still liable for all the charges on the credit card, even though I sold the company over two years ago and the new owner of the company says all the charges on the credit card are company charges that I should not be liable for.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (VA)

Loan or card opened on my credit report for {$20000.00} dollars. {$11000.00} of that balance used. 
Fortiva Retail Card XXXX XXXX XXXXXXXX XXXX XXXXXXXX