davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
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: BARCLAYS BANK DELAWARE (CA)

I recieved a new credit card in XX/XX/XXXX. Upon reading the information documents enclosed I decided not to activate the account. no communication was made to activate the account after receipt of the Account Summary Table and interest rate documentation. 

I received a bill in XXXX of XXXX, that showed billing for the {$99.00} annual fee. Sent the pay coupon back to Barclays annotated that the account was never authorized and the fee should be removed. 

Sent a letter to Barclays in XXXX requesting annual fee charges be removed, the response from Barclays in XX/XX/XXXX was Unable to complete the request. 

During my pursuit to refinance my house loan the credit report came back with a 90 day past due on this credit card reducing my credit rating thus requiring a higher loan rate than originally quoted. 

Barclays has, as of XX/XX/XXXX, set the fee owing to {$0.00} and closed the account however the XXXX0,60, and 90 past due records are still reported on my credit report as confirmed through a XXXX XXXX discrepancy filing XX/XX/XXXX. 

I believe that these charges should never have been assessed, I never paid the bill, Barclays rescinded the charge for the card that was never used nor authorized. They need to correct this reporting. The cost to my family is in excess of {$9000.00} due to the higher interest rate assessed on my refinance loan. 

This record needs to be amended on my credit report by Barclays.
Consumer complaint received 2023-05-20
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. (NY)

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

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXhas violated my rights. 

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 2017-07-15
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: CITIBANK, N.A. (AL)

Capital  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , Citibank  XXXX   XXXX ,
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received a copy of my most recent credit report and there are inquires from XXXX XXXX XXXX dated XX/XX/2023. I have never conducted business, applied for credit, or have an account with XXXX.
Consumer complaint received 2023-02-12
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: KEYCORP (MI)

ive written a letter to XXXX requesting to provide information showing the validity of a derogatory account showing on the report. They were not able to furnish proof and refuse to remove the account from my report after several attempts
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (PA)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Mistaken Identity XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
3. XXXX XXXX XXXX XXXX 
XXXX Please remove it from my credit report immediately!
Consumer complaint received 2024-02-29
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. (MD)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2015-05-21
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Highland Capital (CA)

I was contacted by this company who is threatening to sue me. So i entered into an agreement to repay the debt. I was sent an email of a letter after i asked that a physical copy be mailed to me. i then noticed small typos and no street address only a po box . However i was unsure of the laws, and felt a little uneasy so I checked my credit report and I did not see the debt they are attempting to collect so I assumed it had been charged off or was too old to be collected. After trying to research the company I am now afraid that they may not be legitimate and maybe be trying to collect money from me for fraudulent purposes.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-22
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. (CA)

On XX/XX/XXXX, I sent the following letter to Experian, XXXX and XXXX and they have refused to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Account # : XXXX Effective XX/XX/XXXX, creditors should have changed the way they are reporting late payments. In light of the recent CARES Act, creditors should not report any late payments to the credit reporting agencies during the CARES Act period* to avoid harming my credit score. This change is temporary and applies ONLY during the CARES Act period as defined below. 

On XX/XX/XXXX, the United States Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic.

Based on this information about my rights and protections under the CARES Act please remove any late payments you have reported to the credit agencies ASAP.

* CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX, and the latter of either : 120 days after XX/XX/XXXX, or 120 days after the national emergency concerning COVID19 ends. 

Note, I have spoken with your company on several occasions alerting you that I was experiencing a hardship due to the pandemic and I also made a payment during this period and expressed my willingness to correct the problem. The following late payments should be reversed and removed from my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you, XXXX XXXX
Consumer complaint received 2017-03-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I originally had a credit card from capital one that I could n't make payments on anymore in the amount of XXXX the credit card company charged off my account XXXX the statue of limitations after talking to attorney general 's office for my state on this type of issues is 4 years XXXX bought my account on XXXX and have been sending me letters and calling me the most recent letter has references that if they write it off they will send me a XXXX where I would have to pay taxes on this
Consumer complaint received 2017-03-13
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: TMX Finance LLC (TX)

I defaulted on my title max title loan and I have actively been seeking to correct it by contacting title max before repossession of my car occurs. I mailed a money order for my payment and it was returned to me. I ca n't renew the registration or sell the car and now it 's since deteriorated sitting unused and the value has depreciated significantly. 

I 've made several calls to take possession of the title to management with no response.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-06-22
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: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2016-03-04
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Insight Capital LLC (NV) (MA)

Getting phone calls every day stating I oee money on a payday loan back in 2012 to insight capital with a phone number of XXXX. I have never heard of this company and never had a deposit from this company. My response from this company was prove it with your ban statements from 2012. Then they threatened me with taking me to court.
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

On XXXX XXXX, XXXX I initiated {$100.00} to XXXX but XXXX deducted {$1000.00} and sent it to my recipient in XXXX, I initiated a dispute against XXXX but the recipient returned the balance of the funds to me. 
To my dismay, Bank of America charged me twice for these transactions making total money debited on my account to be {$2000.00} which I intend to file claims on {$1000.00} on it but I was unable to do so because I was told until it was processed and posted. Some of the payments I made was revised because of lack of enough funds as a result of this transactions. 
I have called severally but no positive solution to resolved this issues, there is no Bank of America branch in Nebraska in order to go there for resolution and my landlord gave me ultimatum till XXXX to resolve my issue and pay the deposit of new house I want to rent. 
Please as a matter of urgency want you to assist to resolve it today in order to pay my rent because XXXX told me that they did not collected {$2000.00}, they only received {$1000.00} To resolve the problem, I would appreciate the {$1000.00} charged refunded back to my account. I want the Bank of American post this transactions so I can be able to dispute it. 
I enclosed my statement of Account, on XX/XX/2022 and XX/XX/2022 where {$1000.00} was charged on each day respectively, the letter from XXXX that they only received {$1000.00} and the letter from my landlord referring to reverse of {$600.00} pay for my house rent because of insufficient funds as a result of this. 
I have contacted Bank of America XXXXorporate Office, no response. 
Please contact me at the above address at XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-06-22
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: OneMain Finance Corporation (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On approximately XX/XX/2021, I sent a letter to EQUIFAX to dispute two accounts which were XXXX XXXX XXXX XXXX XXXX and a XXXX Collections that were not supposed to be reported. As the consumer, pursuant to 15 USC 1681b ( a ) ( 2 ), I have written instructions on how I wanted my consumer report to delete referenced accounts. A couple of days ago I received with one of the accounts in question removed but not the other one because of the validity. However, as the consumer I am the only one who can say what is valid or not.
Consumer complaint received 2021-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX, NY XXXX tel XXXX email : XXXX XXXX XXXX. XXXX XXXX XXXX, WI XXXX tel XXXX RE : XXXX credit file report # XXXX for XXXX. 
A hard inquiry was placed on my credit report by Kohls/Capone that has been on my credit report and will remain until XX/XX/2022, that has caused me harm. I went into your store that offered 35 % off if you apply for credit at the cash register. I have an excellent credit rating and score and was absolutely sure that my credit application would be approved. I want to know why my application wasn't approved? I called Kohls/Capone from the Kohls store. Customer service could not give me a reason why my credit was denied. I had to wait for a letter from Kohls/Capone, which came in the mail 30 days later. Customer service assured me that this would not count against me, and would not show as a hard inquiry on my credit report. The hard inquiry placed on my XXXX credit report by Kohls/Capone does not show on XXXX on XXXX credit reports. My complaint is that Kohls/Capone has no intention of approving and issuing the 35 % off credit the same day. My complaint is that Kohls/Capone has deceived me with this bait and switch tactic at the cash register to obtain my personal information, address, telephone number, social security number with no intention of approving my register credit application. The cashier only asked for my driver license and my social security number. The cashier did not and can not collect enough information or enter enough information about the applicant in their system for Kohls/Capone credit department to make a credit decision. My complaint is that Kohls/Capone should not be allowed to steal customers personal information when they have no possible intentions of approving instant credit at the sales register the same day. After they denied me credit Kohls/Capone provided negative false hard inquiry information on to the credit beaurls. I want Kohls/Capone to remove the hard inquiry that was negligently put on my XXXX credit report # XXXX for XXXX ' Sincerely XXXX XXXX XXXX
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Acceptance Corporation (MI)

I was recently made aware of an account that was placed in collections. This was my first time hearing of this debt and there was no validation made. I requested documents proof and that the item be deleted from my record whilst being investigated. On the document that was submitted, it indicates that I had primary insurance and so I am not sure why I am being billed by the hospital. Much more, I do n't recall being at XXXX XXXX since I have not lived in XXXX XXXX in close to a decade. Pursuant to the debt collecting act, validation of the debt should have been carried out prior to listing this account.
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

XXXX United Revenue Corporation XX/XX/2020 {$1400.00} As stated in my previous dispute, United Revenue Corp is acting fraudulently with the consent of XXXX  in regards to my credit report. United Revenue Corp claims to have investigated and verified the alleged debt that I owe but according to The Fair Credit Reporting Act in Section 1681a ( e ) it clearly states that a legitimate investigation where any information regarding any consumer must be obtained through personal interviews with either myself ( the consumer ), neighbors, friends, or associates of the consumer. No such investigative actions have been taken by URC which is an illegal violation and false claim on their part. URC in response to my previous dispute has claimed and acknowledged that they are acting as a business associate ( which is a third party ) in an attempt to collect a debt which is also fraudulent. According to the Fair Credit Reporting Act If they can not provide evidence that they are the original creditor then they must cease all attempts at collecting the alleged debts. 15 us code 1692c also states that third party communication with a consumer in regards to collecting a debt is unlawful unless given prior consent by the consumer. URC claimed to have produced an itemized letter with a description of the charges being sought after, according to 15 us code 1681a 3 ( b ) there is a restriction in place to prevent from sharing medical information without the consumers consent even if there is an individualized list or description based on the payment transactions of the consumer for medical products or services. URC has also misspelled my name and addresses this debt to the wrong person in pursuit of the debt which falls under block of information as a result of identity theft according to US code 1681 c-2. Also, United Revenue Corp is indeed violating my Hippa rights as a consumer because although they may have fraudulently produced an itemized list with a description of the charges being sought after, they have failed to produce a copy of my Hippa transcript signed by me as the consumer and original creditor. This is a serious violation of The Hippa Privacy Act, several US privacy codes and fraudulent activity which can result in a hefty fine of up to {$10000.00} or more. As the original creditor and the consumer I would be within my rights to pursue litigation for every single violation named and unnamed in this dispute and to seek financial remedy for the unfair practices and abuse regarding my credit report. If all fraudulent collection attempted are not ceased then this will be the next course of action.
Consumer complaint received 2019-06-23
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 Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.