davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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 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 has violated y rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (NC)

milestone credit card on my report maxed out and I filed a report threw XXXX XXXX and my score when back up some but theirs a hard inquarie on my report I want removed if at all possible. 

I greatly appreciate all your help, XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (GA)

There is a discover credit card that was taken out in my name that I did not authorize. I have put a freeze on my 3 credit departments. Please let me know what else is needed from me. I want to ensure that this does not occur again. I am not certain of all the exact times and dates of transactions. I received in the mail with a billing statement for a card i've never used. I called and was told the card has since been closed with a balance of XXXX.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

Chase Business Card has marked me late for two years despite the payments being auto-debited from our bank account. It has ruined my credit, my life and they will not help me. There are definite notes on my account reflecting this issue and I am currently challenging the marks again via XXXX XXXX. 

In XXXX of XXXX my bookkeeper, who I had arrested this past year for embezzling, stopped paying my bills amongst many other nefarious activities. 
It took me almost 6 months to realize this and by that time was forced to close my account. 
I got set up on a payment plan and all was great for a year. 
I never received a statement of account or anything else other than a generic monthly " Your payment is due '' notice. What Chase failed to alert me to in any way was that the original payment plan expires at a year ... So in XXXX of XXXX I went late, and in XXXX called after not seeing my payment being extracted out. Surprised to hear I was no longer in a payment plan I eagerly set up another. This was in affect for XXXX. What Chase failed to do was let me know that I was two payments behind or that I owed X amount of dollars to get current. No, I was just placed back on an auto-debit that extracted monies monthly ... ... ..35 days past their actual due date. 
So for the following year and a half I was marked late every month and no, I wasnt contacted alerted, no late payment notice, just the same generic " Your payment is due '' notice. There wasn't even a way to mount my account online, it didn't exist ( At the time ) After seeing my FICO number continually decreasing I thought something must be up and I dug deeper. I actually was surprised that my personal credit could be affected by a business account to begin with. I thought that was horrible to tie a personal social security to a business and I never signed a Personal Guarantee. 
I started calling Chase because its the only thing that could be dragging me down, we finally spoke to XXXX XXXX who was able to see that for the past almost two years Chase, despite extracting the money through an ACH, had been taking it 35 days late and reporting me late. Every month. 
So I write this complaint to try and rectify the situation. XXXX said she could help but refused to. I have had my life ruined and there's no culpability from Chase, no help, no anything. I am damaged from them. 
Please help.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (GA)

Filed police report, called and tried to resolve incident with all credit bureaus, and credit card companies, certified mailed all required documents to credit bureau to solve this matter. This is my 2nd issue with someone using my information fraudulent and credit bureaus were aware back in 2019, the police report is on file for 2019 as well, and a credit freeze added to my personal information. Now a address with XXXX, Illinois appearing on my credit reports with credit cards with address to XXXX, Illinois.
Consumer complaint received 2023-05-06
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. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # XXXX XXXX, XXXX  Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Due to my personal information being compromised by the data breach, someone got a hold of my personal information open fraudulent accounts did not pay so the accounts where charger off, and sold to irrelevant debt collectors who are not licensed to collect debt in California!
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC (LA)

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carmichael & Frost LLC (SC)

The party is attempting to collect on a debt I owed from a few years ago the original amount was {$6500.00}. I paid off the debt until I could no longer afford to do so. I paid {$5200.00} back in total.I went without working for a few months last year and stopped paying last XXXX. The debt company has been repeatedly sending threats to the point of exhaustion. They are threatening to show up at my house, they are threatening to take both of my vehicles, and they are threatening to freeze my bank accounts and leave negative comments on my business social media all for a {$3500.00} balance which is a bunch of fees. They are causing me XXXX XXXX XXXX XXXX XXXX I tried making arrangements with them for a settlement and they tried collecting money without offering anything in writing and got continued threats after I told her I was waiting for a check to clear and couldn't start the payment on the day they wanted. I am not a giant business, I am a XXXX mom and work with my husband to provide for my family. I feel hopeless picking up my phone to see all of their phone calls, text messages, emails, and voicemail. I can't deal with it anymore. I am getting back on my feet and intend on paying but the harassment is too much for me to handle alone anymore please help.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I opened an account, made a deposit in the amount of XXXX using my paycheck. The fund was cleared and was in the account balance for a few days. Out of the blue, Wells Fargo claimed I still owe them money from 5 years ago and took my money and closed down my account. I have no prior experience with Wells Fargo nor even know that I owe them.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I opened a chase bank personal savings & checking account ; on XX/XX/XXXX someone has gained access to my email account & progressed to hack into my chase bank accounts & mobile deposit fraudulent checks. Chase bank has undergone a thorough investigation with the loss prevention department & also the fraud department & concluded that I was indeed a victim of fraud. 

The loss prevention department insisted that I schedule an appointment with a branch to establish & reopen my accounts. On XX/XX/XXXX at XXXX I attended my appointment for my chase bank to be reopened & the banker who assisted me with this request REFUSED to assist me with reopening my accounts ; this individual has undergone DISCRIMINATION & PREJUDICE AGAINST ME AS A CLIENT due to history prior to this event taking place & the banker not understanding the situation itself properly. This banker needs to be FIRED & I WOULD LIKE TO SUE. This banker stated that he could not open my account due to him not wanting to at a branch level be responsible if reopening this account. He didnt state that I CAN NOT reopen my account due to any circumstance on file OR ANYTHING. AFTER THIS HE THEN FILES A CREDIT CARD APPLICATION XXXX MINUTES LATER FOR ME AFTER STATING ALL OF THIS. AFTER THIS HE THEN SPOKE WITH ME ABOUT CORPORATE MUSIC IXXXX XXXX BECAUSE HE WAS UNAWARE OF THE XXXX XXXX  I OWN. HE THEN HANDS ME HIS PRIVATE BANKING CONTACT INFO TO REACH HIM DIRECTLY AND VERBATIM STATES TO KEEP IN TOUCH & THAT XXXX SEE WHAT HE CAN DO TO REOPEN MY ACCOUNTS??? THIS IS AGAINST POLICY 100 % & ENTIRELY AGAINST THE LAW.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I added the carryon bag fee for {$69.00} for my Frontier airline flight XXXX from XXXX Florida to XXXX Maine. The flight was to leave XXXX but was cancelled. I then had to rebook on another airline. Frontier never refunded my money so I filed a dispute with XXXX XXXX XXXX. At first the gave me the credit, but then readded the fee to my bill claiming that the airline said the charge was valid and are now recharging for the fee. The flight was cancelled so how is this valid. I have spoken to both the airline and the c/c company and no one will help me.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRE INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : XXXX XXXX XXXX in the amount of {$2400.00}. 
Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX LATE PAYMENT I am demanding that this account be removed and I have never had an account with this company. I have never provided my details to this creditor. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American Coradius International LLC (CO)

We didn't missing or late on rent payment until we move out when leasing contract ended on XX/XX/year>. My family was came to the office to returned the keys and signed the move out and staff didn't say anything then about a month after I received a later from debt collector we owned {$3000.00} I contacted the leasing office and they said I didn't give 60 days notice before move out so they added 2 months rents to my account for debt collection agency.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You [ CAPITAL ONE ] replied that the alleged transaction you furnished as late was { accurate/ verified } but my previous dispute did not ask you for accuracy or validation. 
I the year and months of { XXXX, XXXX, XXXX and XXXX, XXXX, XXXX } you furnished to { XXXX, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late. 
15 U.S. Code 1666b - Timing of payments ( 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.

I requested the information that must have or possess by law in order for you to furnish a payment as late.
This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. Please provide the certified mail tracking for these letters It has been over 30 days and you have not properly verify the information.

Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified.

Hinkle, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : [ XXXX ] Your Name XXXX Without Recourse UCC 1-308
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

My financial institution is Chime. I have a credit builder card that was canceled on XX/XX/XXXX due to an unauthorized transaction. A dispute was filed and a new card was sent out. On XX/XX/XXXX the merchant refunded me my correct amount which was {$940.00}. On XX/XX/XXXX I activated my new card and the same merchant took that same amount back off my card. I opened a new claim XXXX. On XX/XX/XXXX my claim was approved and I have yet to be refunded still. I have called everyweek since XX/XX/XXXX and have not gotten my issues resolved. I have asked to speak with multiple supervisors and managers and also have proper documentation and Chime has multiple notes recorded about my dispute. Ive also sent emails and Chime investigations team have not responded due to them not accepting emails for claims. They wont transfer me to a manager because they said they only accept emails. I have been waiting over 90 days and I would just like my money refunded. I attached all proper documents needed showing that I was only reimbursed one time for this transaction and not twice for {$940.00}
Consumer complaint received 2024-04-27
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC (WI)

Text message stating I owe debt from XXXX in XX/XX/year> Its on auto pay so that confused me. I called XXXX. They said I have no debt with them. They told me to call MRS BPO back to see what they say was the debt. This company refused to tell me what it is. They said that paying it off would not take it off my credit report but I could dispute it and would not give me ANY information unless I gave them my cc info to dispute the debt. I told them Im not giving them my information and they said they cant do anything without it. They refused to tell me what it was even though I said I talked to spectrum themselves. Now Im getting phone calls from them after XXXX with no voicemail. They call and dont leave messages. This isnt even on my credit report like they said it was.
Consumer complaint received 2024-04-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (VA)

In Virginia, the statute of limitations for traditional debts that most people worry about ranges from three to five years for most types of debts, including credit cards, mortgages, auto loans, oral debts, and medical debts. 
Auto Loans : 4 years ( from sale of repossession ) Its important to note that the statute of limitations clock begins ticking from the date of the last activity on the account, such as the last payment made or acknowledgment of the debt. If no activity occurs for five years, the debt may become time-barred. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Sent court papers to address I hadn't lived at since 1999.. 
XX/XX/2019 date of judgement For XXXX Garnished my wages with out my acknowledged till work told me... 

XXXX XXXX XXXX XXXX XXXX  went bank rupt. So not sure why being Garnished by what law states
Consumer complaint received 2024-05-06
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: Westlake Services, LLC (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.