davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC (MS)

On XX/XX/XXXX and XX/XX/XXXX I received a bill by email from Sequium Assets Solutions that stated I owed the amount of {$820.00} when in fact I never signed a contract and I complained on numerous occasions that they continued to bill me and my husband even though neither one of us have a contract with this company and the contract had expired years ago and each and every time I would complain about the double billing sending 2 statements to 2 people for the same account they continued to double bill us and we do not have a contract and are not obligated to pay them any money I do not owe this company for I do not have a contract with them and complained to get the account in my name and they would not do it and attached both of us to one account double billing us as of todays date I am waiting for them to fix this error they would not stop sending XXXX bills for the same account when neither of us is contractually obligated to pay it for the contract expires years ago
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I attempted to negotiate a repayment agreement during my Chapter XXXX XXXX ; unfortunately, I was pro se and capital one does not acknowledge pro se litigation. I was told numerous times that I would need to hire an attorney if I wanted to be communicated with regarding the case. XXXX months after my XXXX, Capital One randomly repossessed my vehicle after avoiding me for the entirety of that XXXX month period. I was never able to get any response to legal petitions, they did not attend the meeting of creditors, they never wrote me or acknowledged my offer to enter into a repayment agreement, and they stole my vehicle before writing me a letter where they accused me of lying and of stealing from them. 

They have not sold the former vehicle, and are holding onto it for as long as possible to lessen the value and hopefully send me a massive bill for any remainder. Being autistic, I have XXXX idea what is going on and can not defend myself against this multinational finance company and their army of law firms.
Consumer complaint received 2023-11-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MS)

Account in question : XXXX Company in question : NATIONAL CREDIT ADJUST Address XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number ( XXXX ) XXXX The Company National Credit Adjusters are attempting to collect a debt that I do not owe. They also failed to send me any notice of the debt and my right to dispute before sending the account in question to my consumer Reports. This account is damaging my financial reputation and I wish to have it deleted. 

My current phone number is XXXX
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I RECEIVED A LETTER FROM C APITAL ONE C C DATED  XX/XX/XXXX  ATTACHED TO THIS CASE. I DO NOT KNOW IF C APITAL ONE  NEEDS SOMEBODY ELSE TO REVIEW THIS CASE OR SOMEBODY WITH KNOWLEDGE IN REGARDS TO THE DISPUTE. I HAVE CALLED  CAPITAL ONE  CC AND EXPLAINED IN DETAILS.   I NEVER HAVE DISPUTED AGAINST CC #  XXXX , THAT CARDS IS 100 % CORRECT AND FINE. THEY FINALLY REPORTED THE CORRECT BALANCE ON {$0.00} OWNED.   NOW  CAPITAL ONE  CC #  XXXX  --  XXXX  IS THE CARD I AM DISPUTED. AGAIN FOR THE  5TH  TIME SINCE  XXXX  &amp; gt ; THIS CARDS IS A DUPLICATE FROM THE ABOVE CC #  XXXX . &amp; gt ; IT WAS A  XFER CARD FROM ONE CA RD # TO ANOTHER #!!!!!!!! I HAVE ATTRACTED AGAIN THE CC REPORT SO THEY CAN REVIEW THIS WITH THEIR OWN EYES!!!!!   OVERALL I ONLY HAV E 1 AND ONLY 1 CARD WITH CAPITAL ONE O PEN   XXXX   WITH A LIMITED OF {$8500.00} AND BALANCE OF {$0.00}.   SO PLEASE FOR TH E 5TH T IME TAKE CARE OF THIS OR I WILL BE CONTACTED MY CONGRESSMEN.
Consumer complaint received 2023-09-07
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (KY)

Someone used my personal identity and former address that I used 10 years ago and file credit card applications three times in a month ( from this XXXX to XXXX ). I have called the Chase credit card services and closed those applications and also followed the instructions sending required materials via first-class mail to Chase Card Services to obtain copies of those fraudulent applications on XX/XX/XXXX, and XX/XX/XXXX respectively. I also made two calls to inquire why I have not received the documents that I need to report to the police. I was told that I would receive it in three weeks from the first call. I did not receive anything, then I made the second call when I was told that it would take 30 days. I asked them what number I should call to check where my case is at and was told there is no number to reach out to their investigation team. I must wait. It has been 32 days. I have not received anything from the company.
Consumer complaint received 2023-12-11
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. (GA)

I am writing to formally attest that I am a victim of trafficking in persons, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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: Bread Financial Holdings, Inc. (IL)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I am requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below : COMENITY BANK/VCTRSSEC XXXXXXXX. After checking my most current report, the updated information stated the account was sold. I contacted COMENITY BANK at ( XXXX ) XXXX on XX/XX/2024 and I was informed by a representative that this account was sold to XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form.
Consumer complaint received 2023-09-02
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. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-04-10
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I received a notice to appear in court and I filled out a paperwork showing that I could not afford to repay. They then told me because I owed more than my income that they were not going to force me to repay but I said that I would agree to pay something XXXX monthly as long as they did n't report to credit reporting agencies. They told me that they do not report to any reporting agencies so I voluntarily agreed to pay such amount. One year later I notice that the collection agency as reporting payments as a collection so I called them on phone and they denied reporting and that they did not know who was. So I do n't know how to get it removed.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TN)

My card wallet was stolen and had personal account information in it somebody took that information and tried to XXXX for a loan with it and also went to XXXX  and bought gift cards with my money then logged in to my navy federal and filed a fraud claim causing navy federal to withdraw money from my account and I did not approve any of this. Later the police found my wallet and my paper with my personal information was gone I filed a claim with navy federal twice and was denied both times
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

I am unable to login to my Citi consumer account online. As such, I can no longer manage my " AAdvantage Platinum Select - Citi - World Elite XXXX '', see balances, or update payment information. 

The error I receive when attempting to login is " For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code MFA. '' When calling that number, i am sent into an endless loop as it does not even recognize the card number I provide. When speaking to citi agents, they request me re-register my account, over and over, which leads nowhere. This has been going on for over a month. Citi is not servicing this card as they should and provides no avenues for assistance.
Consumer complaint received 2023-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I have an XXXX XXXX AAdvantage credit card issued by Citi. I've received an annual membership fee. I do not use the card so I try to cancel. Citi can not find my account even though I clearly can log on and see the bill due. They say they can not help me. I do not want to perpetually pay off this fee, I received an unusual activity statement from XXXX 's credit monitoring tool which alerted me to the fee. If I do not pay this fee it will likely effect my credit. I've attached the statement.
Consumer complaint received 2023-04-14
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. (CA)

I am natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : i have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Delete Accounts : XXXX. XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX Last reported XX/XX/2023 2023
Consumer complaint received 2018-05-15
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: DISCOVER BANK (MI)

About a month ago I lost my Discover card and unfortunately somebody else found it I managed to charge about {$150.00} before the card was deactivated when I noticed the card was missing the first thing I tried to do was freeze the account but the website wouldn't let me do that for some reason so I called the woman on the phone said no worries she was going to cancel the card and issue a new one and start a fraud investigation I answered a bunch of questions a week or so later I received phone call I didn't get to the phone in time and they left a message so I called back and they asked a bunch of the same questions but I answered them the gentleman I spoke with said that it was a relatively small amount and that it should be pretty straight-forward he didn't see any thing else that the investigator would need I said Thank you and I hung up couple weeks after that the whole thing happened again I ended up receiving a voicemail I called back and I was asked the exact same questions over again I happily answered them but I did explain to the guy that I'd already answered all these questions he apologized and wasn't sure why the investigator once again I was totally looks like everything 's in order and I hung up when it happened the third time to say the least I wasn't as patient I couldn't understand why you repeatedly asked me the exact same questions and I gave you the exact same answers I don't know if you suspected that they were going to change or what was going on at this point I felt like you were kind of giving me the runaround I filed a complaint he eventually responded said that you're working on it I thought to myself well maybe they'll figure this out and we can move on I called one more additional time and I was told that everything look good and they didn't need any further information so I assume that everything has been resolved then today in the mail I get a letter saying that it has been determined that no fraud occurred on your account if I didn't have the card in my possession and it was used for somebody else what do you call that if not fraud? And it goes on to tell me that I'm going to be responsible for the balance I'm pretty sure there are laws in place to protect me from that I don't have to pay because some thief stole my credit card.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-11-13
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. (AR)

In accordance with the Fair Credit ReportingAct 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 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-11-13
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. (CT)

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 Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my 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 2023-04-20
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. (FL)

XXXX, XXXX. XX/XX/2023 I have a Hard Inquiry on my credit report from a company that i never authorized nor applied for any kind of loan or credit or any other financial service. I call them but no one answer the phone listed online. 

XXXXXXXX XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (FL)

I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with XXXX XXXX XXXX. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (TX)

I want to follow up you about the request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me. The items I'm questioning have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

case # XXXX It really is very simple I followed the merchants return policy I returned everything they received everything I provided the tracking information the package weighed the proper amount they signed for the package they never reported any problems with the package I'm not going to go away until you explain to me in detail how you've come to this conclusion what other proof could I have possibly provided that would have supported my case? If I fail to follow any of their return policies I would like them to tell me exactly which one it is because I believed I followed all of their return policies I even used their shipping label they are liable for the package
Consumer complaint received 2018-05-15
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: Riverwalk Financial Corporation (TX)

Some company called XXXX XXXX XXXX placed a {$140.00} delinquent account on my credit report XXXX XX/XX/2018. 
I owe no debt nor have I ever heard of this company. 
There has never been a phone or written communication between us. 
I looked them up and found a phone number which does not answer. 
There are numerous complaints posted about this company doing the same exact thing to many people. 
My credit score has dropped. 
Please help!