davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentially inder 15 USC1681 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 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 According to: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 state a consumer reporting agency can not furnish an account with 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 if information, other thatn records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a concusmer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to bring to your attention an issue regarding unauthorized hard inquiries on my XXXX and XXXX credit reports dated XX/XX/2023. These inquiries indicate an attempt to open an account in my name, which I did not authorize or initiate. 

While I do currently hold a Capital One account, I wish to clarify that I am not disputing the existence of this account. However, I must emphasize that the hard inquiries on my credit reports are unauthorized and have resulted in significant distress and disruption to my financial affairs. 

I recently became aware that I am a victim of identity theft, and I have taken immediate steps to address this matter. Enclosed with this letter, you will find a copy of the police report documenting the identity theft incident. 

I kindly request that Capital One takes swift action to investigate and rectify this situation. Specifically, I ask that you contact both XXXX and XXXX credit reporting agencies to request the removal of the unauthorized hard inquiries from my credit reports. These inquiries are adversely affecting my credit score and financial well-being, and their removal is essential to restoring the integrity of my credit profile. 

I trust that Capital One will handle this matter with the utmost urgency and professionalism. Your cooperation in resolving this issue promptly will be greatly appreciated.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention a pressing matter regarding fraudulent personal information associated with my identity on my credit report. It has come to my knowledge that certain accounts and transactions have been falsely attributed to me, causing significant distress and concern.
Consumer complaint received 2023-07-07
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: Nelnet, Inc. (WA)

My XXXX account is showing delinquent payments on my federal student loans for over 120 days and I've never missed a payment. I disputed this through XXXX and my dispute did not correct this. When I attempted to redispute, I got a message saying I can't dispute something that has been disputed before. When I talked to my fed loan providers ( Nel Net ), they said to dispute through XXXX. This is severely hurting my credit score and I feel like I'll never be able to get rid of this in a timely manner, please help!
Consumer complaint received 2022-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (MS)

About a year ago, I received an installment loan from Tower Loan on XXXX XXXX XXXX in XXXX, XXXX XXXX Within the last two months, I requested an additional {$1000.00} dollars. I was told that I had to have insurance in order to secure although I told them that my products were insured. I was asked to list household products with a XXXX credit score. The loan maturity amount will be XXXX plus dollars once the loan is paid for. I questioned the practice and was told that if paid out early that the additional fees would not apply. However, after during research, I learned that the practice of manipulating clients has been addressed in the past via XXXX XXXX Tower Loan XXXX XXXX ( Civil Case Number XXXX. The company is continuing deceptive practices.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Delete fraud alerts and extended fraud alerts XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-10-02
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. (MI)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Consumer complaint received 2023-04-21
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: JPMORGAN CHASE & CO. (TX)

Started a claim on XX/XX/2022 with XXXX, a travel insurance company contracted through my credit card Chase Sapphire. Our trip was cut short due to the death of my mother in law. We are trying to make claims on costs owed back to us from unused portions of our trip. After being requested to send document after document after document, they will keep coming up with new documents to suddenly " need ''. They are obviously playing the long game to tire us out, because it's been half a year now and they still dont have enough documents after being sent 19 documents, everything covering from flight, hotel, hotel receipt with breakdown of unused portions, proof of death, proof of receiving no credit back from flight or hotel, they still want more. This is a never ending scam and i am demanding the money owed to me be paid.
Consumer complaint received 2018-04-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Critical Resolution Mediation LLC (AZ)

I have tried calling back to the number that was given, and I asked what company they represent and they just hang up the phone. The phone number was XXXX
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (WI)

I received a collection letter from CBE Group in XX/XX/XXXX for a debt of {$3800.00} through XXXX XXXX. I sent a letter back to CBE Group explaining that I have been having problems with identity theft since XX/XX/XXXX and that this is not my debt. In XX/XX/XXXX I received another letter from CBE Group with a statement from XXXX XXXX showing the account the debt is associated with. This is not my debt. I have never had a XXXX XXXX account. I live in XXXX  and this debt seems to originate in XXXX I've never even been to XXXX. I will also be filing a police report regarding this identity theft.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citibank has closed XXXX of my credit card accounts with them for " security reasons. '' While I don't believe this is fair without knowing the exact details, a bank does have the right to close accounts of their clients for their own risk-purposes. However, Citi has closed my account and I have a credit balance that needs to be refunded. Despite multiple attempts via phone and chat to get this negative balance refunded back me, there was no success. This is applicable for XXXX of my credit cards with them. 

In addition, this has happened to me last year when Citi all of a sudden closed my bank account ending in XXXX and NEVER refunded me the almost {$1500.00} in that account. I have been trying for a full year and every time I talk on the phone, they state the account is closed and can't help me. It has reached a point where they won't allow for a dialogue to receive what is already my money. Just because the bank closed the account doesn't mean they take ownership of the money in it. They are acting like dictators and this needs to be stopped by rule of law.
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FinFit Holding Co, LLC (FL)

Loan ID # XXXX The Loan Origination date was XX/XX/XXXX, in the amount of {$5000.00} with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via a service offered through my employer XXXX XXXX as an employee benefit option. 

XX/XX/XXXX, I received an e-mail correspondence from XXXX XXXX advising the company has been rebranded and now Fin Fit brand will be servicing my loan- my account has been moved to the Fin Fit platform. 

Upon reviewing my loan balance history on the Fin fit website on XX/XX/XXXX, a payment adjustment of {$26.00} was added to my account ( no explanation provided as to why ). 

My Balance increased from {$3900.00} to {$4400.00} on XX/XX/XXXX ( no explanation provided to the increased and no payments have been missed- as the payments are deducted from bi-weekly payroll advice ). 

I contacted FinFit customer service on XX/XX/XXXX to inquire on the balance increased and no resolution has been provided to date.
Consumer complaint received 2023-07-04
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my credit report, I was taken aback by the numerous mistakes in reporting. The inaccuracies I discovered were truly surprising. 


I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

Please investigate and take a look at this accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I retired from USPS in XX/XX/202. I used my annual and sick time that I accrued before retirement. Now you are attaching a debt to y pension, and credit bureaus in which there was no explanation for debt that you are accusing me of. Please take this off my credit report. Dept of Treasury
Consumer complaint received 2024-05-02
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: CITIBANK, N.A. (NY)

On XX/XX/year>, my Citi credit card number was used to make 3 fraudulent purchases at XXXX online. Each purchase was for {$250.00}, for a total of {$770.00}. 

I noticed these charges on XX/XX/year>, and reported them to Citi as fraudulent purchases. Citi said they would refund the {$770.00}. 

Later, I learned that XXXX told Citi that the online order was picked up ( in XXXX ; I live in New York ), and therefore was a legitimate purchase. Citi provided me with the information that XXXX provided them. ( See attached file XXXX ) The purchase was made using a fake email address. The items, large boxes of flooring, were picked up in XXXX XXXX, where I do not live. 

Citi reversed their decision, and charged me the full {$770.00} again. They didn't contact me to tell me this, I discovered it myself later when my credit card statement seemed too high. 

I have since called Citi multiple times over the past 2 years, explaining that this was obviously a fraudulent purchase, based on the evidence they already have. Every time, they tell me that they have to re-open the account and re-start the investigation process. Citi assures me they have all the information they need ( which is true ), they can see it was a fraudulent purchase, and will contact me when the investigation is complete. 

Then, nothing happens. Multiple times, I have called Citi back a couple of months later, and they tell me the same thing again ; they have to re-open the account and start the investigation, etc... They can see it was a fraudulent charge and they will contact me when the investigation is complete, etc... 

I have been doing this every few months since 2022, when this first began. I have files the dispute forms Citi requited, and provided them with all the information they have asked for. I would like Citi to finally resolve my fraud dispute case and refund me the {$770.00} I am owed.
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

Credit Systems placed 3 collection accounts on my credit report XXXX in to the amount of {$36.00}, XX/XX/2020 in the amount of {$36.00} and on XX/XX/2020 in the amount of XXXX this is not mine debt Credit Systems didn't tell me or disclose that under contract law I don't have to do business with them. I feel that Credit Systems are attempting to extort money out of me at a time when I have been affected by Natural or Declared Disaster ( e.g. Covid 19 )
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-01-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (CO)

Mrs BPO , LLC, sent me a letter with the option to reply with a letter or their slip by XX/XX/XXXX. I replied by certified letter on XX/XX/XXXX and they received my letter through USPS tracking on XX/XX/XXXX. 

Previously, I had written MRS BPO on XX/XX/XXXX with no response and then a new letter on XX/XX/XXXX which was replied to on XX/XX/XXXX. 

I received a XXXX XXXX Option letter dated XX/XX/XXXX, with payment option by XX/XX/XXXX. This letter is during the period of time that the letter received on XX/XX/XXXX to which I could reply to the company. 

According to their letter to me, If you write us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at https : /Imrsbpo.com. 

They also contacted numerous phone numbers that are not directly associated with me by text message.
Consumer complaint received 2024-01-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

This is an inappropriate system to be disregarded and taken advantage of while a great deal of guidelines are broken due to carelessness and the earnestness of not survey what is happening in a serious manner. Has caused Financial injury and analysis of character close by at least 60 days of no response This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like 60 days of no reaction. 

This is an ill-advised system to be excused and taken advantage of while a ton of rules are broken in view of remissness and the validity of not outline what's happening in a serious manner. Has caused Money related injury and examination of character close by something like 60 days of no response. 

This is an uncalled for framework to be overlooked and exploited while a lot of regulations are broken because of negligence and the seriousness of not viewing what is going on in a serious way. Has caused XXXX injury and criticism of character alongside 60 or more days of no reaction. 

Need to eliminate all regrettable/unanswered things Need to dispose of all unfortunate/unanswered things Need to discard all sad/unanswered things Need to dispose of all miserable/unanswered things
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I am writing regards to the frivolous inquires that have surfaced on my credit report after I just had this happen in past timing this is getting ridiculous. According to 15 usc 1681c-2 blocking of information, all information deemed fraudulent by the consumer SHALL be removed 3 days of this receipt. 



ALSO IVE DISCLOSED A COPY OF MY ID THEFT REPORT
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX " XXXX XXXX XXXX '' 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 that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 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. 



Thank you for your time and cooperation in this matter. 


Best Regards.