davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: OneMain Finance Corporation (NC)

I don't remember the dates exactly but it was XXXX  sometime. Someone was making purchases using my card info and the company didn't want to tell me what the purchases were or where. Plus my card was locked the whole time so how they were able to use it doesn't make sense because even when I unlocked my card to take all my cash off ( {$450.00} ) my card wouldn't unlock and whoever was stealing my cash just kept taking it. When I explained it all to the rep, they couldn't do anything to help me. I was already living in a hotel room where I had to pay XXXX a week. Because I couldn't get my money off the card, my XXXX  XXXX and I had to live out of our car for weeks until I finally canceled the card before I was able to transfer and withdrawal. I'm glad something is finally being done about this because I felt like I was robbed and abandoned by the government tbh.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (DC)

You contacted me By mail on XX/XX/year>, and identified the debt in the amount of XXXX. I do not have any responsibility for the debt youre trying to Collect. I have never had an account with HARRIS & HARRIS LTD. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that.
Consumer complaint received 2024-04-19
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. (MI)

On XX/XX/XXXX. I became aware that my personal information was impacted the XXXX XXXX XXXX. I noticed unrecognizable accounts on my credit report with XXXX, Transunion and XXXX. I am asking that the following be removed : Inquiries : XXXX XXXX XX/XX/XXXX. Department of Education XXXX. Department of Education XX/XX/XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RentDebt Automated Collections, LLC (TX)

This is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. You are clearly furnishing inaccurate information for the " date last active '. I have already informed your company of this error and you have yet to remedy this. In the dispute letter dated XXXX, I asked for proof of the alleged debt, the forward flow agreement, the license to collect debt in the state of Texas, and the 1099c. You failed to provide anything with my signature regarding this alleged debt owed to your company and RENTDEBT AUTOMATED COL re-aged account XXXX. Re-aging is when a debt collector changes the date of last activity on a debt to a more recent date than is accurate. I will include a copy of my credit report to show the inconsistent dates. I have already given you a chance to fix this now I am demanding that the account is deleted from my credit report due to illegal reporting. Disputing a debt is not considered activity on the account. Falsifying account information like this is a violation of the Fair Credit Reporting Act. If this account is not removed within 14 days, I will seek the possibility of hiring a consumer attorney. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FDCPA that any corporation violates the consumer is entitled to actual damages and monetary damages.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (FL)

This debt collector put a fraudulent debt on my credit file with XXXX that I have no knowledge of or been notified of this debt. I was a victim of identity theft during the XXXX data breach and would like this debt removed or the company providing documentation to prove that this is my debt under the FCRA section 604 where they didnt notify me of this debt before placing on my credit file.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 ( ComenityBank/Victoria ) XXXX 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-18
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-04-19
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. (NJ)

TransUnion is reporting a account that the company has already agreed to remove back in XXXX. This is a complete invasion and disregard for the consumer privacy under the Privacy Act of XXXX 5 USC 552a. And is a disregard for the expressed CONTRACT already established by the Consumer and the person reporting the information ( a copy of the cfpb complaint place on credit collection service is attached. I shouldn't Have to complain to the CFPB for Transunion and its employees to do the job/ role they assumed. The XXXX XXXX XXXX Account being reporting by Transunion goes against The Fair Credit Reporting Act as well, and it seems TransUnion and its employees want to make up their own rules when it comes to a CONSUMER report, 15 USC 1692a ( 2 ) ( A ) ( i ) transaction history DOESNT belong on a CONSUMER report a copy of that will be attached as well since you seem to not understand it. As I'm sure you are aware of the 16 CFR 313.7 ( f ), I have a federally protected right to opt out of you reporting information at any time and it continuous, I'm expecting not more that 2 days for this to be off of my consumer reporting, DELETED!!! As it should have already been. One of the principles of EQUITY is : Equity recognizes what should have been done as already done!
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (OH)

There is an inquiry for a credit card that i did not inquire about. I did notify XXXX about it. They said they'd notify chase bank and told me to file complaint with FTC.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (MN)

It has come to my attention Jefferson Capital Systems is illegally reporting to my consumer report without my consent or validation of a debt being owed in accordance to 15USC 1692g. This required by all debt collectors after the initial communication in regard to a debt. I have filed the appropriate FTC identity theft report and attached it below. This information is required to be blocked upon 4 days of receipt of this notice.
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC (FL)

My account with CNAC was closed in XXXX and it's listed as a charged-off account for the amount of XXXX. The car needed repairs and had stopped running in XX/XX/XXXX. Instead of working out a solution to repair the car and a payment arrangement to pay for the repairs, they kept the car and listed it as a repossession on my credit report. I had a good payment history with this company from XX/XX/XXXX to XX/XX/XXXX, then the car stopped running. 

I requested a 1099-C since the balance is over XXXX. I sent the letter on XX/XX/XXXX. The company sent me back my letter with handwritten notes on XX/XX/XXXX. I am still requesting a 1099-C form for the charged-off amount listed on my credit report.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On Tuesday XX/XX/XXXX, I received a notification from XXXX that Bank of America had reported a missed payment. I thought this was unusual as I do not use this card. Upon reviewing my statement from BofA, I saw that a magazine subscription that I believed would end in XXXX had been renewed for an additional year subscription on XX/XX/XXXX. I promptly called the magazine and they had no problem returning the full amount to the Bank of America credit card. That amount, XXXX, was received by BofA today, XXXX XXXX XXXX 

I called Bank of America to inquire as to why they never contacted me regarding the late payment in the prior months and that the charge was in error and refunded. They told me I had selected paperless statements which somehow means they dont have to email statements or notices either. The statement for XXXX said I would be charged a late fee. I was not, however the Bank found it necessary to report the missed payment anyways. If it was late why was the late fee not charged? The card had rewards dollars that could have been used toward the balance, yet the Bank did not do that either. 

I asked if since the original charge was refunded and unauthorized if they would rescind the notice to the credit bureaus. They specifically told me that had I disputed the charge with them and not the merchant directly that they would have, but to dispute it now after it had been refunded would not be in my interest. I asked what the difference was and they were unable to give me an answer. 

This card has been active for 13 years and had never had a missed payment before. XXXX told me that the Bank can use its discretion to remove derogatory marks at will but Bank of America would not reveal under what circumstance they would do so and told me that I should contact the credit bureaus again. I have submitted disputes to XXXX, XXXX and XXXX.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX - last email XX/XX/ Several text through out this month and for the past 4 months and continued after I asked them to stop. 
Debt is for XXXX XXXX XXXX shows on my credit report as LVNV Funding LLC. 


XXXX XXXX- XXXX, have asked them to stop contacting me as well and calls continue
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/XXXX. I noticed there was a debt being reported on my credit report by a company I have never heard of. This company being LVNV Funding. The alleged debt {$1500.00}. I then sent out a letter vis certified usps mail to LVNV Funding at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX to validate the debt. The letter was I sent was received XX/XX/XXXX which is verifiable via usps certified tracking. It is now XX/XX/XXXX and still have not received any proof. Ive also disputed this debt multiple times with XXXX, XXXX, and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX to which they have stated the debt is valid, without providing proof of how it is valid even though I have never contracted with LVNV Funding and my privacy rights are being violated. 15 U.S.C 6801, 15 U.S.C 6802 ( a ) Notice Requirements, 15 U.S.C 6802 ( b ) Opt Out, 15 U.S.C 1681i ( a ) ( 5 ) ( A ) In General, and U.S.C 1681i ( a ) ( 7 ) Description of reinvestigation procedure.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I took 3 month vacations on XX/XX/XXXX, when I back to XXXX on XX/XX/XXXX, when I login in my account, my account is disable, I cant even login in my account! Then next day I called chase bank, they told me my account its been shut down, I ask them why? They been told me they can closed my account for any reason any time! 
Im so confused, I have not do anything, why they closed my account! I feel so sad, I really wan na know why they closed my account! I have one personal account, the other one is join account, I was open with my gf toghter! please help me find out why they closed my account! Thats really ridiculous, I did not do anything wrong why they do it! Thanks
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' COMENITY BANK/LNBRYANT, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, COMENITY BANK/LNBRYANT whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' COMENITY BANK/AVENUE , the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, COMENITY BANK/AVENUE whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (GA)

I have received multiple emails from Firstsource Advantage regarding a balance that they are insisting that I owe in the amount of XXXX from XXXX XXXX. XXXX On XX/XX/2021, XX/XX/2021 and XX/XX/2021, I sent, by certified mail, a letter to the address of XXXX XXXX XXXX XXXX XXXX . NY XXXX, which is the address that they have listed in the email for mail correspondence. Every time the letter was delivered and I have proof that it was. Within the letter that I sent, I asked them to provide documentation verifying the debt that they claim that I owe them. I have not received a response from Firstsource Advantage even though I have reached out to them multiple times to clear the matter, instead I just keep receiving emails saying to contact them, which I have.! I have not done any business with XXXX XXXX XXXX therefore the debt is not mines!
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm writing to communicate my anxiety and present a protest to TRANSUNION with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection. Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, XXXX will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collection Management Holdings, LLC (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-01-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

XXXX opened an account in my name without my knowledge or approval and when that account was not paid they sent the account to a debt collector called Southwest Credit Systems. I have attempted to contact XXXX about this but have not been successful in reaching a human to put the account directly into dispute with them although I have sent them numerous letters and have attempted to call. I have never used XXXX for any service and I do not even live in an area that XXXX services. I have attached a copy of the FTC affidavit of identity theft to this complaint.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America credit card fraud has been going on since XXXX 2023. They are still claiming I owe over XXXX dollars and are charging late fees and interest and sending me to collection! I owe this bank nothing, but they are reporting me 199 days late on payments to XXXX, XXXX, XXXX, which is really hurting my XXXX XXXX!! I hope you can help. Bank of America has had over XXXX dollars total fraud on my credit card since XXXX of 2023. This all seems to me a little fishy?
Consumer complaint received 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report and I found out that I had these hard inquires under my credit report. Please remove them! I have no accounts for them and I did not authorize them to be under my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX