davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was charged {$34.00} from a XXXX vendor at a location in XXXX at a time and date when I was not even close. I do not remember making the purchase. I asked Capital one to help me dispute the purchase. They said they could only do it if they classified it as " Fraud '' and so would have to get a new card and number, which is very painful. Despite talking to 4 very rude people including a supervisor who were laughing and disrespecting my age and memory ( I am XXXX XXXX XXXX and retired ), they would not dispute or further investigate the charge. I told them that I did not want to get a new card and number because that would be a lot of work setting up online payments again. They said I either cancelled the card and get a new number or they could do nothing for me. They would not dispute or investigate the charges. They came across as disrespectful and " XXXX  ''. 
The supervisor was XXXX ( employee number # XXXX ) and the last of 4 service agents was XXXX ( Employee # XXXX ). I think they need training is being respectful to older people.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have contacted XXXX  on multiple occasions that I have never had an account or balance with XXXX. My last attempt to contact XXXX was on XX/XX/XXXX and I received no response back. I sent the letter certified XXXX tracking XXXX. It was received by XXXX on XX/XX/XXXX. I have contacted Equifax on multiple occasion about this matter. Equifax said they confirm this charge but that is impossible when XXXX has never respond back because there is no account or balance. Equifax is not doing a proper investigation and at this point, I will be moving forward legally if they do not remove this from my credit report. I wrote Equifax on XX/XX/XXXX telling them that XXXX is not responding back or validation any account or balance. Equifax has not responded back to my letter in 4 months. This account is causing adverse affect to my credit worthiness.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

On XX/XX/24 I reached out Self Financial about incorrect information on my credit report. I only remember having one account with them in which I paid off but they are stating it was paid after a charge off that I am not aware of because it shows no late payments on the account on one report it shows no payment history and the other it shows no late payment, I have reached out multiple times and getting a misunderstanding from the agents and they sent an email stating they can not removed factual information but they have nothing saying I had any late payments or a collection. I need the charge off removed because this is incorrect information and they have not submitted me any proof I had late payments.
Consumer complaint received 2024-08-01
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: Self Financial Inc. (MA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me XXXX XXXX, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Consumer complaint received 2023-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (IL)

I am Im making this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

The balance on the XXXX store card, issued by Comenity Capital Bank, of {$56.00} was paid in full online less than 2 days late and showed no late fees. With no charges made I did not realize anything was owed on the account until after a late fee of {$30.00} was charged on top of a late fee of {$30.00}, plus interest. The card issuer refuses to remove both late fees totaling more than the original purchase price.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CO)

On or around XX/XX/XXXX, I received a text from Key Bank 's fraud department asking if I had made a purchase for {$900.00} through XXXX on my small business account that I have had with them for about 5 years. I replied NO to the text and immediately checked my account. When I viewed my account online, I noticed that my account had been billed 18 times for {$900.00} each time. My account was overdrawn by almost {$1600.00}. Before any of these charges my account had over {$15000.00} in it. I immediately called the fraud line and initially, it sounded like this would be handled quickly. I had a replacement card issued by the bank and even had it rushed because it sounded like my funds would be returned within a couple of days. It has now been over 3 weeks without my funds. I have called their fraud dept multiple times to try and get this expedited as well as visiting my local branch multiple times as I have bills to pay and materials to buy or I will lose a couple of my key customers. All my requests have fallen on deaf ears, they wont offer a provisional credit despite claiming only 2 of the fraudulent charges were actually paid, that the maximum daily withdrawal limit was bypassed for some reason, and that 2 {$900.00} attempts were allowed to go through AFTER the account was overdrawn. To add insult to injury, I was also charged overdraft fees for those 2 attempts as well. I was told I would not be offered a provisional credit while they can take up to 90 days to investigate.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have an item from XXXX XXXX XXXX for a second auto loan in the amount of {$20000.00} that is not mine. When I call or write to verify they never send me anything. I had one auto loan with them that was paid off. The phone number, address etc they have does not belong to me and never has. I have sent in police reports over years to show them there was someone with similar name that items were being placed on my report. XXXX XXXX XXXX never responded. 

The second item is from XXXX same issue this is from XXXX they are reporting a charged off account with a past due balance of {$1500.00}, when I call them they say the amount is {$4000.00} and I have never had an account with them. The phone number, address, etc is not mine. 

I sent the police report and fraud notification to them as well. They never respond, just over phone say I have to pay the amount. My most recent communication with XXXX was today XX/XX/XXXX
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XX/XX/XXXX until XXXX XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting Act.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I dispute the inaccurate reporting of my XXXX XXXX account XXXX Inconsistencies : Charge Off/Pays As Agreed, missing purchaser info, incomplete payment history. Account reported past FCRAs 7-year limit. XXXX XXXX and Equifax are responsible. Per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), FCRA, and XXXX XXXX XXXX XXXX XXXX, I request {$7500.00} from each entity for violations.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 950 Credit Inc (MI)

XXXX XXXX Account : Credit Rent Boost ( CR RENTBOOST ) ACT # XXXX We are under land contract and the lady that we bought our home from has falsely listed my information under a credit rent reporting program. 
We are not landlord tenant. 
I am under a land contract so this information is being falsely reported as we do not pay " rent '' This lady has already started a forfeiture process and signed us up with this program after the fact to affect our credit.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

Identified Violations and Compensation Request : XXXX. Inaccurate Reporting : Violation : The account status is reported as Pays As Agreed despite inconsistencies that may suggest otherwise. 
Compensation : Request {$7500.00} from XXXX XXXX  XXXX and {$7500.00} from Equifax for this violation. 
XXXX. Missing Purchaser Information : Violation : The report does not indicate to whom the account was sold, which is a requirement for accurate credit reporting. 
Compensation : Request {$7500.00} from XXXX XXXX  XXXX and {$7500.00} from Equifax for this violation. 
XXXX. Incomplete Payment History : Violation : The payment history details are incomplete, which violates the requirement for comprehensive credit reporting. 
Compensation : Request {$7500.00} from XXXX XXXX  XXXX and {$7500.00} from Equifax for this violation. 

Total Compensation Request : XXXX XXXX  XXXX : {$22000.00} Equifax : {$22000.00} These issues constitute violations of the Fair Credit Reporting Act ( FCRA ) and possibly New York State General Business Law 349, which mandates accurate and complete information in credit reports.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I dispute the inaccurate reporting of my XXXX XXXX XXXX account XXXX Inconsistencies : Pays As Agreed yet no indication of purchaser info, incomplete payment history. Account reported past FCRAs 7-year limit. XXXX XXXX XXXX and Equifax are responsible. Per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), FCRA, and XXXX XXXX XXXX XXXX XXXX, I request {$7500.00} from each entity for violations.
Consumer complaint received 2024-07-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc. (AL)

On XX/XX/year>, I purchased a car for my now Ex husband. Within a year, I gave the car back. My husband and I got a divorce. My ex husband no longer wanted to pay for the car. XXXX sold the car and they sent me a letter, that they sold the car, and I didn't owe the balance. I can't find the letter. Years later, they start calling and harassing me. XXXX was sold to XXXX  and then they start calling me. Now Unify bought XXXX, and they are calling me. This auto loan is XXXX XXXX XXXX. I thought the statue of limitations, for an auto loan, in the state of Alabama, is no more than 6 years. I want the calls to stop. They call me everyday from the same number and now odd numbers too. The phone number is XXXX.
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX via XXXX XXXX Mail with delivery tracking ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) concerning an account ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  ), with a balance of {$640.00}. This debt pertains to utility bills incurred after I moved out of XXXX XXXX XXXX, XXXXXXXX XXXX The utility bills were for the tenants who occupied the property after my departure, and thus, are not my responsibility. 

Under XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX is required to provide validation of this debt within XXXX days of my request. Despite this requirement, they have failed to respond. 

Since this debt has not been validated and it does not pertain to me, I request that it be stricken from my credit report as mandated by XXXX XXXX. XXXX ( b ).
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AP)

1. XX/XX/2023 : I received an email from CHASE Bank stating that they received my application for a new credit card Unlimited freedom. 
2. XX/XX/2023 : I contact Chase Verifications department and notified the representative that I did not submit the application, and requested information on who requested this application which they did not disclose. The representative closed the application and informed me they would sent an Identity protection kit to my address. 
3. XX/XX/2023 : I received a 2nd email from CHASE Bank stating they received my application for a new credit card. 
4. XX/XX/2023 : I contacted all 3 credit bureaus ( XXXX, XXXX, XXXX ) and placed a credit freeze and fraud alert.
Consumer complaint received 2023-07-13
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. (TX)

In despite of my previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit 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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$520.00}.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

" XX/XX/XXXX Re : complaint against Ed Financial CC : Federal Student Aid Ombudsman Complaint, Ed Financial and Consumer Protection Financial Bureau To Whom It May Concern, I was fortunate to have my loans discharged through the Borrowers Defense and I am very appreciative! However, the refunded money for past payments and interest is incorrect. I have printed my monthly documents from Ed Financial and they reimbursed me for Loan 2, & {$17000.00}. Per the Federal Student Aid website, I have paid {$29000.00} since XXXX. For loan 1, I have paid {$31000.00} since XXXX. I have not received any reimbursement for that loan. But Ed Financial took away the balance ( loan 2 ) of {$45000.00} after the loan was discharged and said I owed XXXX plus XXXX in interest without any refund. This is incorrect. Federal Student Aid states I have a zero balance on loans 1 and 2. I paid a one-time payment of {$44000.00} in XX/XX/XXXX which Ed Financial verbally acknowledged but, there is no record of this on their online site. I have called them and explained repeatedly but nothing changes. My calculations of money paid toward my student loans between XXXX XXXX is {$60000.00}. Please help me get the proper reimbursement. Thank you for your help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-15
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. (FL)

those hard inquiries are fraudulent and I don't recognize : From XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-08-11
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: FMA Alliance, Ltd. (GA)

I am filing this complaint to inform you that FMA Alliance has unlawfully reported an unauthorized inquiry on my XXXX consumer report. I have not given permission for FMA Alliance to access my consumer report, and there is no permissible purpose by law for this inquiry. I am a victim of identity theft. I have filed an identity theft report with my local police department and the FTC. ( see Evidence ) I have not initiated any transaction with FMA Alliance. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with FMA Alliance for review or collection. I wrote to FMA Alliance on XX/XX/XXXX [ certified mail # XXXX ] and again on XX/XX/XXXX [ certified mail # XXXX ] to resolve this issue to no avail ( See Evidence ). I have requested the general or specific certifications pursuant to Rule 1002 required by 15 U.S.C. 1681b ( f ) ( 2 ) to establish permissible purpose and they have provided no such documentation.

Details of Violation : Date of Unauthorized Inquiry : XX/XX/XXXX Consumer Reporting Agency : XXXX ( 1 violation ) By obtaining my consumer report on the aforementioned date without any permissible purpose, FMA Alliance is in violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. 1681b ( f ) ( 2 ), and15 U.S.C. 1681e ( a ). Therefore, FMA Alliance has committed 15 U.S.C. 1681q, which is tantamount to 18 U.S.C. 1028A. This statute invokes 15 U.S.C. 1681n ( a ) ( 1 ) ( B ), and I am owed remedy per violation. 

References : Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Gramm-Leach-Bliley Act  ( 15 U.S.C. 6823 ) 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) Bureau of Consumer Financial Protection Advisory Opinion : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports.

Statutes Violated : 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ) 15 U.S.C. 1681q 18 U.S.C. 1028A
Consumer complaint received 2024-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MN)

I went into repayment after graduating in XX/XX/year>. Loans were under XXXX. After COVID and loans went from great lakes to Nelnet they doubled. I have asked for repented response as to how and why they doubled. No answer no explanation.