davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This account no longer belongs to this creditor and has been paid in full through a 3rd party collection. This company webbank/fhut no longer owns this debt and is reporting it illegally on my report without my consent and against my assumed and copyrighted names. The dates last active are wrong too and should be removed from my consumer report immediately for accuracy being less than 100 %. The use of my name without my express written consent because of the assumed name certificate and the copyright is considered Identity Theft. Documents provided for MY NAME! 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2800.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
The unpaid balance was reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-12-17
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. (GA)

XXXX has XXXX fraudulent inquiries in my credit report and I want them deleted off my credit report. I did not give anyone permission to use my credit report nor check my report this is how bad XXXX is, but yet they constantly have issues with data breaches and not having the best security, remove these credit inquiries, because they are not mine and I will provide screen shots of these inquiries to show they in fact on my credit report and also XXXX account thats on my report please have removed because its fraudulent I didnt open any XXXX account
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstCredit, Inc. (TX)

First Credit INC is a debt collector harassing me to collect {$430.00} from XXXX XXXX XXXX XXXX XX/XX/year> without any billing notification mail or email notification after 3 years. XXXX XXXX XXXX is harassing me all of a sudden after 3 years. Nobody should be harrassed after 3 years of no billing notification, mail or email notification telling me I owe medical bills. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. This medical service at the time was under an attorney for medical malpractice. I am filing a complaint, I would like this to stop. 


They are not in compliance with applicable state and federal laws.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Addressing Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing to urgently address critical discrepancies found in my credit report that blatantly disregard the regulations stipulated in the Fair Credit Reporting Act ( FCRA ). Unfortunately, persistent errors remain in my credit profile, indicating a significant oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act stands as a pivotal federal statute governing the precise collection and reporting of consumer credit information. Its mandate is to ensure accurate acquisition, retention, and disclosure of a consumer 's credit data, thereby upholding transparency and fairness in credit reporting practices. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on similarities in names or social security numbers by agencies. 
Neglect of prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I hold specific entitlements, including : The right to verify the accuracy of my report, especially concerning employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The authority to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information within the prescribed time frames. 
I formally request the immediate rectification of the listed items below. These items starkly violate FCRA standards due to inaccuracies, lack of verification, and sustained invalidation. Their existence has caused significant distress, notably affecting my recent credit application, which was denied due to errors originating from your agency. 
1. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

I anticipate swift and comprehensive action to address these violations within the FCRA 's mandated timeframe. Should compliance falter, I will unfortunately have no alternative but to seek legal redress to ensure my rights under the FCRA are fully respected. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp. (NY)

My car was repossessed on XX/XX/2018. I have filed a previous complaint about the repossession with the issues that still have not been resolved. In getting my car back first of all XXXX XXXX XXXX  knew I was getting my car back and the very day I payed to get it back they transferred it out of state. Leaving me with a XXXX bill to even pick up the car. When I got in my car the muffler was really loud. As I drove the car I noticed that I was having a hard time steering it. My car was 2 hours away by the time I got home I was horrified. The very next day I called XXXX XXXX XXXX  and was told that it was the responsibility of the company that did the repossession. I called and filed a report with the repo company and was jerked around for almost 2 months I do believe. All the while I am driving a car that isn't safe according to New York State laws. Well after I got the denial letter telling me that it is pre-existing. It's not because the day I had the car repded I had just drove back to NY from Indiana. In the condition the car is I can't even go to Indiana. This is what is wrong with my car, the whole muffler system is off the car, I have no horn, I can barely steer the car. Making right turns in really difficult. I have a new key for my car and also I have no horn. The other day in a ice storm I slid off the road because I couldn't control the car. My car can not be NY inspected because in the condition it was given back to me it will never pass inspection. Like in the repossession they have given me the run around. XXXX XXXX claims that she was trying to call me to resolve the matter but I never responded. Well if I wasn't answering me she could have sent me a letter telling me that they are trying to get a hold of me. I got nothing. My car is not safe to be on the road according to New York State law.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

American Express, Sent me a letter informing me of the incorrect Credit Limit that was applied to my account. In the letter American Express indicated that the increase was due to a system error. This have completely decimated my trust in one of the most established and reputable creditors in the world. A creditor to which I am an investor and holder  of your common stock. This error on American Expresses part has burden me with financial damages. As with this oversight they have Defrauded me.

With the increase in Credit Limit it allowed for my Credit Score and my Credit Limit to increase. Giving me more access to spending without negatively impacting my credit ratio. This higher credit limit provided me false confidence when making large purchases as it would still show that I had thousands of dollars of Available Credit. This decrease in my credit limit is going to impact my credit score and toughen my chances of obtaining access to different lines of credit.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

my information was sold and bought illegally because i was a victim of the equifax data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. please help me delete these illegal accounts from my equifax credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery did not send me a signed contract to prove my signature and validate this debt as my attorney advised me. The credit bureaus also did not provide legal evidence of a contract. Portfolio recovery is also falsely submitting that this was opened on XX/XX/year> which is falsely making creditors think this started XX/XX/year>. Which is considered re-aging the debt. Portfolio Recovery has been sued successfully for these tactics.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

On XXXX XXXX  Equifax score dropped with no visible details of why the score dropped. I mad a complaint directly to Equifax. Representatives and Supervisor was able to give a explanation of the score dropping at XXXX points. After several complaints directly to Equifax I was not able to open up the MyEquifax.Com portal. I spoke with the technical Department. I was informed that this would be resolved in the next 24 hours. 
As of today the portal is not accessible. I believe this was done purposely sue to the unexplainable drop in my credit score of XXXX points. I also submitted court forms to move forward with a law suit due to stress damages loss of financial gain defamation of character. Recently an perfectly good account was added to my credit report. XXXX XXXX reported three years of on time rental Payments and my score only went up XXXX points. Constant harassment. discrimination
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

XXXX offered a special of receiving {$25.00} dollars if open a credit card account. Since I order quite frequently from XXXX I felt comfortable with doing this ... .I ordered my items, utilizing the {$25.00} toward purchase at the time ( This was in XX/XX/2018 ). The balance was then place on the card. I never received a bill for this until there was a late fee showing. I immediately made a call to Customer Service XXXX XXXX at XXXXXXXX ( as well as going to the website ) - website did not provide any access, after several diligent phone calls, I finally was able to speak with a representative ( he was not helpful, requested my social security number and I was not comfortable with providing this to him over the phone-by now feeling " scammed '' ). I requested a bill to be sent to my address, sometime on late date (? ) I received bill and made payment for the merchandise I purchased and did not pay the late fees ( which were accumulating due to XXXXXXXX XXXX lack of efficiency. I continue to receive bills with increasing late fees ( I have requested in writing to be provided a statement with anything owed ( a break down on what the charges are ). I checked some reviews and it seems other people have also been scammed. I have excellent credit, I have thought of just paying it ... yet it doesn't seem " just '' that this company continues to scam people, very frustrated that XXXX would even be associated with this type of business. I would appreciate any support or advisement from CFPB. 
Sincerely, XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-04-16
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. (CA)

I am writing to express deep dissatisfaction with the ongoing presence of fraudulent items on my credit report. After reporting this identity theft, I contacted the companies linked to these fraudulent items. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent items would be swiftly removed. It is important to note that both XXXX and XXXX have already removed these items from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify these items when the other bureaus have already removed them. I urge you to remove these items from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My XX/XX/XXXX statement had a balance of {$1900.00}. A payment of {$1900.00} was paid on XXXX leaving me with a balance of {$0.00}. I owe {$0.00} plus any accrued interest since it was not paid in full by the due date of XX/XX/XXXX. According to the terms and conditions, interest is charged on the unpaid balance. In this case, is {$0.00}. My XX/XX/XXXX show I owe {$32.00} of interest only charges. My APR is 29.24 %. Please explain how that calculates to {$32.00} interest for {$0.00}. Please note I paid {$6.00} on XX/XX/XXXX which included the {$0.00} previous balance and a recent charge in the amount of {$5.00}. Im not disputing interest is owed to Capital One but the amount. I requested my account notes from XXXX with employee Id XXXX and my request was denied. Also, by his supervisor XXXX employee id
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

My commitment to timely payments on this account has always been steadfast, preventing any instances of overdue payments. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be addressed
Consumer complaint received 2023-04-25
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. (NC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 

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. 
I am requesting that this credit reporting agency validate the information and provide me with a detail process of which was used to draw that conclusion. I have read that you the agency as 15 days to furnish this report and if not reported within 30 days this inaccurate information be removed from my credit profile.
Consumer complaint received 2023-07-28
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. (VA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (IL)

Kabbage refuses to close my Kabbage checking account despite my repeated requests over several weeks. I've attached a screenshot of their website FAQ describing how to close a Kabbage checking account : they say to bring the balance to {$0.00} and then call to request the account be closed. I brought the account to {$0.00} and on XX/XX/XXXX I called to request the account be closed. That day on the phone the rep confirmed the checking account was now closed. 

However, I learned on XX/XX/XXXX that the checking account was still open and had not been closed ( because Kabbage began sending me fraud alerts of attempted purchases in another state using my debit card ). 

I called Kabbage again to explain on XX/XX/XXXX. That day, the phone rep told me my checking account had not been closed. I asked for an explanation of why my checking account with a {$0.00} balance had not been closed per my XX/XX/XXXX request, despite Kabbage 's own website FAQs about account closures stating that the {$0.00} account would be closed per my phone request. They also told me they refuse to close the account until 60 days have elapsed. 

Kabbage responded to my CFPB complaint with a letter stating that they refuse to close the account until 60 days have elapsed with a {$0.00} balance. 

This response is unacceptable, not in line with standard banking practices, and contradicts their own Kabbage website FAQs about how to close an account ( bring the balance to {$0.00} and call to close -- nowhere does their own site state that you can not close an account until 60 days have elapsed ). 

Today XX/XX/XXXX I discovered my Kabbage checking account is still not closed, and now its balance is {$2.00} despite my having brought the balance to {$0.00} on XX/XX/XXXX to close it ( apparently they deposited {$2.00} in interest on XX/XX/XXXX, despite the account 's balance having been {$0.00} since XX/XX/XXXX ). So, today XX/XX/XXXX, I called Kabbage again and this time requested they close the account immediately and mail me a refund check for the {$2.00}. 

Per Kabbage phone rep reference number XXXX, the rep said she has requested a {$2.00} refund check be mailed to me. She again refused to close the checking account : she said the account must be at {$0.00} for 60 days before they will close it, and the XXXX clock restarts today XX/XX/XXXX ( regardless of my having called to request it be closed on XX/XX/XXXX when it already had a {$0.00} balance ). 

I have never experience this refusal to close an account upon request with any bank, ever. Every other bank I have ever banked with closes checking accounts immediately upon request, regardless of balance. 

Kabbage must comply with my request to NOT keep my checking account open and close it immediately -- not at some date 60 days in the future.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (OH)

I received a notice that there was a hard inquiry to my credit report by JPMCB. I have not applied for any type of credit card or loan through Chase bank. I suspect fraud. I put a fraud security alert on my credit reports but I want to make sure no account is opened in my name. What else can I do??
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (FL)

XXXX XXXX would always say that I was preapproved for credit cards and auto loans and when submitting my information I was declined a 100 % of the time then my score would go down.
Consumer complaint received 2023-12-17
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. (GA)

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 has violated my rights. Or 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 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX 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.