davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NM)

Attention : XXXX XXXX Re : Midland Funding LLC Civil Judgment Court case # ( I CANT READ THIS ON THE TEXT- PLZ FILL IT IN ) I received a notification from my HR department at work my wages were getting garnished. I was so shocked. I contacted the plaintiff listed on the garnishment and I spoke with an agent at XXXX XXXX and notified them that this was not my account. The agent sent me copies of the XXXX XXXX statement showing it was going to a TX address. I live in NM! 

I want to be very clear that this is not my account. I never took out the account, I never used or paid for the account and I haven't lived in Texas since I was XXXX years old. 

The original application should have never been approved as the address clearly didn't match my address on my credit report. 

This garnishment notice prompted me to pull my credit reports and I now realize I have a total of five fraud accounts. 

As a result, I have filed a police report. See attached. 

I have sent 3 emails to the plaintiff 's Atty and I haven't received anything other than the XXXX XXXX bill showing an address that is not mine.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (CA)

I have had XXXX Derogatory marks on my credit and they have been there for more than 7 years I have tried reaching out but to no avail and I know after 7 years they are suppose to fall off my credit report however they haven't
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (ME)

Today XXXX/XXXX/23 Experian decreased my credit score and can not tell me why. I called and get the run around then put on hold. I would like to know why they are changing my credit report but cant tell me why.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX ,  XXXX   XXXX , &  XXXX   XXXX   XXXX , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother  XXXX   XXXX  and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is  XXXX   XXXX  's debt and not mine.
Consumer complaint received 2023-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P. (TN)

This company is charging people 100 % over the stated interested rates and practicing predatory lending. Example, if you were to borrow XXXX, they will charge you XXXX in interest. This is a scam and not lawful or moral. Please review this company 's lending practices. Help us.
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

I am writing to dispute the validity of this account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : JPMCB Card Services As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts.

2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. 

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. 

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Chime Financial Inc (WA)

Clicked open on Chime app based on the online ads, the in-app ads, and the card name. Later, I checked credit my credit. XXXX reported that the account had been opened despite a credit freeze on my XXXX report. The account damaged my credit score according to XXXX, significantly. The account was then not closed immediately when requested. Numerous requests were made to close the account and have it removed from the 3 credit bureaus as it was only opened to improve my credit. It seems in violation of Federal law and not in the consumer 's best interest to advertise a service that does the opposite of its advertised and name claims.
Consumer complaint received 2023-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The issue is that when Im trying to login to my online transunion account, it never allows me to review my credit report online nor dispute it. Its very unfair to me that Im not allowed to do so and I feel that I am being discriminated against. 

I do not want my report mailed to me. I want to be able to review my report online and dispute online as well because its cheaper for me and due to my disability it will be more efficient. This is a violation of my rights.
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. (FL)

This is my OTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged extortion. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-11-19
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: American Credit - Credit Repair Centers (CA)

I sent American Credit Repair a written request for proof of their surety bond and registration certificate from the California Department of Justice. I sent my written request via e-mail, however, the company willfully and deliberately ignored my request. I have the e-mail chain as proof and the e-mail was successfully delivered and sent to their correct e-mail address. XXXX XXXX responded through a previous CFPB complaint admitting they were in receipt of my e-mail complaints to their corporate e-mail address. It is against state law to conduct a credit repair company without : 1 ) a {$100000.00} surety bond filed with the California Secretary of State and ; 2 ) apply for and receive a registration from the CA DOJ. Violation of each is a misdemeanor. Moreover, American Credit Repair indicates in their contract that theyre a registered non-profit 501 ( c ), however, there is no record of not for profit status with the IRS XXXX This is also against federal and state laws. Additionally, on XX/XX/XXXX, there were 11 illegally posted credit repair advertising signs posted on government property without a permit. This is a misdemeanor in California. American Credit Repair is also illegally affixing their advertising signs on telephone poles. We have photographs as evidence and percipient witnesses that signed under penalty of perjury that these illegally posted signs are new and recent. In XXXX and XXXX, we filed complaints against American Credit Repair for the same reasons on innumerable occasions. The owner XXXX XXXX, is knowingly and willfully, systematically violating federal and state consumer laws. I also called the company and asked they cease and desist their illegal adverting, however, employees XXXX and XXXX disconnected the call attempting to escape accountability. Disconnecting a phone call on a member of the public is poor customer service. It was egregious.
Consumer complaint received 2023-11-19
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: EQUIFAX, INC. (FL)

I was reviewing my credit report and noticed multiple unauthorized inaccurate inquiries. I have no knowledge of where these inquiries came from and never gave anybody permission to access my credit report. I also understand that these inquiries are in violation of my consumer rights. In accordance with 15 us c 1692b i have the right to privacy and for these items to be furnished on my report requires my express authorization. I am asking that these items are removed from my credit report and stop violating my consumer right to privacy. There is no certifiable evidence that can verify these inquiries so therefore in accordance to 15 us c 1681section 604 of the Fair Credit Reporting Act you must remove these unauthorized inquiries from my credit report lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided. 

XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XX/XX/20 XXXX XX/XX/20
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capitol One wasnt giving me credit for my on time payments and properly transferring funds on time causing my credit unions to charge me over draft fees which lowered my credit score.Also I paid off a previous card balance and they restricted the account after I paid the balance in full.My score dropped over XXXX because of this error.
Consumer complaint received 2023-04-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (NE)

Company contacted me back in XXXX about an unpaid debt with XXXX. I had advised them I was disputing the debt and that I requested a cease and desist. The calls stopped until XX/XX/XXXX which they attempted my cell phone, couldn't reach me, then called my office number. I told the man that I would not be verifying any information, that he wasn't supposed to be calling me and he told me that they had never talked to me before today. It is not the consumer 's error if they do not document their accounting properly. I told him that was not correct and as I was trying to ask them not to contact me again he hung up on me. These additional phone calls are harassing and a violation of the FDCPA in multiple ways.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MA)

My name is XXXX XXXX, I am a good customer of PayPal but all of a sudden PayPal has decided to lock me of some features which I can not send money to friends. PayPal asked me for series of documents for verification for them to unblock my account I have provided the requested sensitive documents and PayPal said 1 business day but this is taking weeks and I'm not comfortable with this. 

I want this to be resolved and my account reinstated and PayPal should tender an apology for saying XXXX business day but it's taking weeks
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

Dear Sir or Madam : I've been notifying Equifax XXXX  times that the information on my credit report are inaccurate, my XXXX  has been stolen and used for fraudulent purposes. 

Someone has used my XXXX  to engage in the following type of fraudulent transactions : * XXXX  cards * Loans I'm a victim of XXXX  XXXX, this situation turned my life upside down. It is like a nightmare as I'm having difficulties to clear my name and credit report. Please assist me with your help in this case. 

I have also experienced the following problems as a result of the XXXX  XXXX : * Denied credit or other financial services. 
* Harassed by XXXX  XXXX or XXXX. 

In addition, I have lost XXXX hours of my time due to the XXXX XXXX. The XXXX  XXXX  used the internet to open accounts or purchase goods or services. 

I have contacted the following credit bureau : Equifax, XXXX and XXXX : *regarding the XXXX  XXXX  and to report the fraud. 
* to freeze my credit report. 
* to order a credit report. 

Unfortunately, I have had the following problems with XXXX and Equifax : XXXX still did not clear my credit report after XXXX attempts to remove fraudulent accounts from my credit report. And Equifax made it harder for me to even freeze my credit, they basically blocked me from doing anything with my credit report. 

I have contacted the XXXX  and filed a XXXX  XXXX report. I have had the following problems with companies that I contacted regarding my XXXX  XXXX : They still did not removed the fraudulent accounts from my credit report. 

Please contact me if you have any questions or need additional information. Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I am not liable for this debt with XXXX XXXX XXXX I do not have contract with XXXX XXXX. the debt listed on my credit report does not belong to me! it is fraudulent. I looked at my credit report and noticed an unsual collection. It was completely unauthorized, done without my consent, I have in the past lost my personal credentials while searching for a job in which I had my social security card which I believe someone possibly stole my information. Please kindly I ask that remove this debt collection off my credit report!!!
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (CA)

Open a Jet Blue Barclay Master card with a XXXX credit limit. As of today got a letter that sates my credit is not only XXXX This is misleading due to the fact that inquiry was not done appropriately at the begin which the line of credit was open. This not now at practice
Consumer complaint received 2023-11-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a follow up and an update to the complaint number XXXX filed on XX/XX/2023. The details of the complaint earlier filed can be referenced to the Complaint_CFPB number stated above. The reason for the follow up or update to this complaint is that I got in the mail today, a later dated on XX/XX/2023 that the claim has been updated and that the temporary credit of {$1100.00} ( including credits and fees ) has been made permanent stating it was resolved in my favor ( See attached document ). However, this is not the case. Though this letter was sent out on XX/XX/2023, the closing statement balance of the credit card account on XX/XX/2023 is still showing the disputed amount of {$1100.00} which means the letter sent out has not yet been honored or implemented. Also attached is the latest statement balance.
Consumer complaint received 2023-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION (VA)

The mortgage company wants to a short sales date XX/XX/2023 and I need to keep my home and they are not willing to work with me on this issue. So i need assistance with the issue and I have tried to make an effort to work with the mortgage company but they want to start foreclosure procedures soon and I need to work with the state records office to help get the liens from an old business off my public records so I can get the modification and i can not get the modification unless I get the liens cleared from my name. 

The complaint does relate to the last XXXX complaints that I have had about my mortgage and assistance that XXXX seeking from your government agency.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have applied for City Bank credit card on XXXX. My application was denied by a non sufficient explanation. During the time of my application I had a high credit score and a clear credit history, which brings me to a conclusion that the cause of the denial was my ethnic identity. City Banks decision was impacted by a segregation against me being an XXXX. I am attaching the denial letter to my statement, and requesting you to please process my complaint. Sincerely, XXXX XXXX My email- XXXX phone- ( XXXX ) XXXX