davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elly, LLC (MA)

I have a company named Advanced Business that is taking money from my account Biweekly since before XXXX. I remember making an agreement with them to pay off the debt paying biweekly in the amount of {$10.00} one week and {$15.00} the next week. At that time I didn't know that I needed to ask for a validation letter. I also didn't know that they were required to send me a letter before every transaction they make in my account. First payment was XX/XX/XXXX until XX/XX/XXXX when I called the bank to stop payment. I just assumed that the biweekly payments were for a debt until I recently talked to another debt company I was paying and found out that they are required by law to said a letter through the mail for every payment that they take. I went and looked on my statements for all the charges from the company and the company information. I found that the company shows on my statements as Advanced Busines XXXX. I tried to call the phone number and it just rang and hung up. I tried to look for the company on the internet and called a few with the name that starts with Advanced Business but none of them were debt collection agencies. Going through the bank I found that the company took a total of {$930.00} from XX/XX/XXXX. This doesn't even include the many overdraft fees I got in my account at {$35.00} each that came from these fraudulent transactions. The exact dates the money was taken is as follows : XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I found that in XX/XX/XXXX is when they stopped taking {$10.00} one week and {$15.00} the other and only took {$15.00} every week. My bank created a fraud report and reimbursed me for the last payment made of {$15.00}. I have attached my last back statement I received. If I need to get every bank statement back to XX/XX/XXXX, I will and that will also show all of the overdraft fees accumulated.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 

Account bankruptcy, XXXX  XXXX discharge.. XXXX Account XXXX XXXX XXXX Account XXXX  XXXX Account XXXX XXXX XXXX .. Account XXXX  # XXXX. Account XXXX # XXXX has 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 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts
Consumer complaint received 2023-09-22
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. (MD)

I have contacted TransUnion previously about the alleged debt showing on my consumer file from XXXX XXXX XXXX XXXX for {$29000.00}. This amount is reporting as a debt and not income. According to FCRA income is not suppose to be reported on my consumer file. I'm enclosing a copy of a letter from XXXX XXXX XXXX XXXX providing proof that a 1099 C was filed and therefore this amount needs to be removed from my consumer file immediately.
Consumer complaint received 2024-02-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Mobiloans, LLC (CA)

XXXX XXXX XXXX Louisiana is not licensed to conduct business in the state of California ( MobilLoans ) and they are still providing loans illegally. They reported to the credit agencies a charge off when the loan was not legal in California. They also violate the California Usary Law with the amount of interest they are charging
Consumer complaint received 2024-01-24
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: Affirm Holdings, Inc (CA)

On XX/XX/XXXX I made a purchase using my Affirm card issued by Affirm through the XXXX XXXX. On XX/XX/XXXX the purchase arrived soaked in water with 1 of the 2 items not even being the correct item I ordered. I reached out to the merchant but did not get a response, so I initiated a dispute with the card issuer, Affirm. In order to initiate a dispute with the issuer, they require customer upload copies of their invoice, tracking information and any correspondence with the merchant, so I did. I also included photos of the damaged item. Days later associates from Affirm began to repeatedly ask me to send them documents, which they had already been provided. This went on for over a month, until they canceled my dispute and marked my payment toward the transaction as past due. Because of this my credit worthiness with the issuer has substantially suffered. The issuer has failed to comply with State and Federal laws and the Terms for Issuers set by XXXX.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, I tried to make end of year donations with my Citibank ( rewards ) Master card. They did not go through. I called every XXXX customer service number for Citibank credit cards, and all of them directed me to recording that the office was closed. I finally reached a living person, overseas, who informed me that my card was put on hold and directed me to call one of the XXXX XXXX numbers I had already called. 

Beside being terrible customer service, I wonder if it a card company can make claims about 24/7 service and not provide it. Especially for service like using the credit card. What if I was stranded in airport overseas, or at a gas station in the middle of nowhere.

I want you to ensure that Citi does not repeat this unacceptable blunder again.
Consumer complaint received 2023-09-22
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX Vehicle purchased, sales contract signed stating first payment would not be due until XX/XX/XXXX, monthly in the amount of {$580.00} XX/XX/XXXX In balance history states it has not been paid, on payment history a check mark indicates it has I have bank statements that prove a payment was made and withdrawn on XX/XX/XXXX, but Capital one continued to say they had not received Upon calling numerous times, each time we called the operator said that payment had been received and not to worry When our accounts and e-mail correspondence from cap 1 continued to say we were delinquent we verbally requested phone record which were denied due to legal processes Upon a withdrawal of {$580.00} on XX/XX/XXXX ( which was not authorized, an additional payment was taken of {$560.00} on XX/XX/XXXX, which was the amount requested, however XXXX was listed as not receiving any payment ( 30 day late ) When I called to inquire, I was told again no XXXX payment was made, when I told then the co-signer made the other payment denied receiving any payment and told me all I could do was verify my cosigner truly did pay XX/XX/XXXX We were told a XXXX payment was not received ; however the bank withdrew {$560.00} on XX/XX/XXXX. We again went back and forth with customer service with no help, at this point a 30 and 60 days late mark was put on our credit reports XX/XX/XXXX Payment of {$630.00} made on XX/XX/XXXX and annotated as received by capital 1 in our account portal XX/XX/XXXX, payment return despite funds being available and no issues with bank XX/XX/XXXX {$560.00} payment made and marked as received by cap XXXX XXXX XXXX 90 day late mark on credit report despite proof of payment, and almost daily effort to clear up discrepancy XX/XX/XXXX Disputed marks on XX/XX/XXXX for all 3 files Got results back XXXX from XXXX, XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX Dispute proof submitted through dispute, 60 in XXXX remained, 30 in XXXX, and 90 in XXXX Changed to scheduled payments in desperation to keep our credit from being further targeted, payment scheduled for every two weeks to also prevent repossession even though amts were inaccurate on XX/XX/XXXX and XX/XX/XXXX both in the amounts of {$560.00} 60 day late mark onto our credit for XXXX despite proof that payments had been made with no help from lender to clear up on XX/XX/XXXX our account was showing 95 days past due in the amt of {$1700.00} XXXX has XXXX XXXX as paid on XXXX but XXXX does not We contacted a family lawyer to look into the matter, however, due to personal health issues he has not been able to move forward in a timely manner so he advised us to freeze our credit files
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The recent changes in my credit report have left me feeling distressed, dissatisfied, and anxious. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please know the information on my credit report is not correct. I've listed personal information as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. I want to ensure my information is reporting accurately. Please remove urgently.
Consumer complaint received 2023-12-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (OH)

I have not been notified at all on this debt. The debt is from Credence Resource Management. When i spoke to someone there he requested I pay XXXX of the bill I explained to him I wasn't even aware of the debt until I started looking into fixing my credit. All he kept saying was to pay {$250.00}. The actual debt is {$490.00} from XXXX XXXX all the way back in XXXX. I have no recollection of ever receiving a bill from them. The credit agency told me that this account has been passed around to different agencies trying to collect their debt but when I asked the representative for a copy of the original contract he ignored my request. I have no idea what to do next. I asked him about filing a XXXX or a deletion letter but he just kept insisting I pay the balance.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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.

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 XXXX 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 2023-12-30
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. (FL)

In accordance with XXXX XXXX XXXX at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a, section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Account : XXXX. To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as OPEN, but also as having a past due balance of {$2000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2023-05-24
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: CITIBANK, N.A. (TX)

I submitted a credit limit increase for my Shell gas credit card online Wednesday XX/XX/2023. Because requesting one with a call representative results in a hard pull so I always submit mine via website online to avoid the hard pull and only receive a soft credit pull. Well for some odd reason I was still hit with a hard inquiry which was supposed to be a soft inquiry.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

Subject : Formal Complaint Regarding Unauthorized Access and Coercive Collection Practices Dear VANCE & HUFFMAN, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. 

It has come to my attention that VANCE & HUFFMAN has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing VANCE & HUFFMAN from my credit report. 

Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with VANCE & HUFFMAN and I am under no legal obligation to do so. 

In accordance with Texas-specific laws, I refer to the following sections : 1. Texas Finance Code 392.202 : Unauthorized Access to Consumer Information - VANCE & HUFFMAN accessing my non-personal information without consent is a violation of this code, and I demand an immediate cessation of such activities. 

2. Texas Finance Code 392.202 : Coercive Collection Practices- Attempting to coerce me into paying a debt I am not obligated to pay constitutes a violation of this code. 

Furthermore, the actions taken by VANCE & HUFFMAN may also be in violation of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : - Adding an unauthorized account to my credit report without proper consent is a direct violation of the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA. 

Additionally, I want to bring to your attention the following federal and state consumer laws : 3. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 : - Unauthorized access to my non-personal information may also be in violation of the EFTA. 

4. Texas Business and Commerce Code 17.50 : Deceptive Trade Practices- Your coercive collection practices may be considered deceptive trade practices under this code. 

I demand that VANCE & HUFFMAN cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law. 

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-18
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: Experian Information Solutions 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. 

XXXX : XXXXXXXX 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 XXXXXXXX, has 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 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NJ)

Recently I did investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that angry didn't make sure it was reporting 100 % correct in accordance with the Fair Credit Acts, everything has to be 100 % accurate on my credit file and under 15 U.S.C 1681 e ( b ) and 15 U.S code 1681i ( 5 ) theses accounts are violation of not reporting 100 % accurate.
Consumer complaint received 2018-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was on this website called XXXX XXXX that was looking for offers for me to refinance my current car loan. They asked me a bunch of personal questions and when that was over I clicked a button to continue to see my offers. On every other site I have tried ( like XXXX XXXX XXXX or XXXX XXXX  ) that provides loan services uses a SOFT INQUIRY when looking. They also ASK YOU if you would like to continue with a HARD INQUIRY if you got preselected. After a few minutes I got like 4 emails from different agencies and a HARD INQUIRY from XXXX XXXX XXXX hit my credit report. I did not verbally authorize this company to check my credit report. I did not ASK them to run my credit. No where on the pages when I was answering their questions did I see the words saying that a HARD INQUIRY was going to be used when looking. I would like this inquiry removed as soon as possible due to the subversive nature of this website and the means in which they acquired my credit report without my knowledge or approval. 

Inquirer : XXXX XXXX XXXX Inquirer Phone Number ( XXXX ) XXXX Industry Type : Finance/Personal Inquirer Address XXXX XXXX  XXXX, XXXX, TX XXXX In addition to this, I'm a XXXX veteran and have various credit cards and a vehicle - all of which I gave PERMISSION to the company that gave me the cards and vehicle to run my credit report to gain those items.