davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023, I check my XXXX, Experian, and XXXX After revising my credit report from all credit bureaus the information about an bankruptcy has Inaccurate information from all 3 credit bureaus. 


On XX/XX/2023, I sent out letters to the 3 credit bureaus to remove Inaccurate information from their systems and other third parties. according to the 15 USC 1681. The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1679c ( a ) - Disclosures The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.
Consumer complaint received 2023-04-18
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. (GA)

Some inquiries are showing on my credit report that I have no knowledge of and I did not authorize. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

After researching my state treasurers website I found that neither Transunion, nor XXXX XXXX and XXXX XXXX are NOT legally licensed in the State of Texas to operate as a debt collector or reporter. I have reported the above listed companies to the Texas State Treasury XXXX Department. 

The following must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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)

This is my NUMEROUS 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, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00}
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I hope this letter finds you well. I am writing to formally lodge a complaint against XXXX credit card regarding the extremely disappointing experience I have had with their credit card services. I believe that their practices have violated consumer protection regulations, and I kindly request your assistance in addressing this matter. 

I opened this credit card and used it only once for a total of {$490.00}. 
I applied for auto payment, and although my bank balance was sufficient, the payment was not made on the scheduled date, and they charged me a return check fee for {$30.00}. 
And {$12.00} of interest charge was followed after. 
As soon as the issue arose, I asked them for an explanation and double-checked the information to ensure that the payment could be resubmitted.

I noticed that the amount was posted five times on my bank 's website, so I immediately raised the issue. 
During the chat, they informed me that my payment had been successfully processed. 
However, a few days later, I discovered that they had charged me a {$30.00} returned check fee again. I explained the situation over a phone call and was able to make the payment again using a debit card. So far, they have charged me over {$70.00}.

They promised to refund the fees to me later if I paid all those amounts, and I made the full payment. However, despite a considerable amount of time passing, the refund has not been received.

When I called them again regarding this issue, they informed me that they are unable to refund the charged amount.

I still don't know what went wrong with the bank information I provided.

I have been using that bank for over 10 years, and until now, there have been no issues, and my balance has been sufficient.

The fact that I am being charged {$30.00} every time I try to make a payment through my account has caused me a great deal of distress.

The realization that they are making money so easily has made me angry.

It seems like they are charging customers for mistakes that are caused by their own system, without taking any responsibility or making any effort to rectify the situation.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello I have been a bank of america card holder since 2011 and I have always made on time payments. I recently found out that they closed my account. When I called they said I had too many authorized users. I give my family a credit card for emergencies. When I called they said there was no limit to how many people I can add. Why would they tell me this and then close my account? this makes no sense to me. It just seems unfair, now my credit score is going to drop because this was only credit card I have with a long payment history. They said they will not give me a chance to fix the issue and it will be permanently closed now. Is this legal? Please investigate this matter for me. I have been a bank of america customer for since early 2000s I recently opened another bank account with XXXXXXXX XXXX and transfered my money. My business credit card was also closed, they said that it was due to my business checking account being overdrawn. I thought this account was closed already and I was getting several maintenance fees, which were eventually reversed and now the account is finally closed. This is an unfair practice and I need both my business credit card and especially my personal credit card ending in XXXX reopened.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (NV)

XXXX XXXX harassment : I am in the process of appealing a medical debt with my provider, and have informed the collection agency for the hospital of this process ; including sending them a copy of the appeal letter and time-frame. i have also hired an attorney and have requested they contact my attorney going forward. They continue to call me repeatedly. Further, They are now calling me to harass me about my spouse 's income and have blatantly said " Your wife probably makes enough to take care of this. Where does she work, her name, last 4 of social security. '' They also have acted like they are calling from the hospital billing department and have said they work for the hospital when I asked them to identify them self. They refuse to listen when I have requested they do not call during work hours, and always call while I am working.
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc. (UT)

Express Recovery was reporting an amount on my credit report, which I have never received any information on. I sent a validation request initially a few months ago, asking for them to validate this amount, if this is a medical bill which member of my family it was for, dates of service etc. They never responded to the initial request, so I second one was sent on XXXX XXXX, 2017. Both requests for validation and verification contained all of my contact information so they could provide the requested documents and get a hold of me easily. No correspondence to date has been received, I obtained their fax number today and faxed a cease and desist notice as they have violated FDCPA regulations in not only refusing to provide the validation as requested in writing, but also by continuing to collect and report on this account without validating.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

A unauthorized Chime account was opened under my name in TX on XX/XX/22. I live in FL, I am the victim of identity theft and fraud. My XXXX business account was hacked and changed to a Chime account, I do my banking with XXXX XXXX XXXX. I was unable to login into my own account because they set their email up and erased mine. On XX/XX/22 I was finally able to get an XXXX support person to unlink the Chime account. I received an email in my spam folder from Chime advising that my card was on the way, a card that was unauthorized. I called Chime on XX/XX/22 and advised it was a fraudulent account opened in my name and to close it. It took me years of calling Chime to finally obtain a copy of this fraudulent account showing that the money was deposited and stolen. Chime advises that there are no transactions on the account? I can not get an answer to anything, no matter how many times I call. 

The first deposit was on XX/XX/22 for {$4000.00} into this Chime account. There was a transfer of {$2000.00} made on XXXX to a XXXX XXXX on XX/XX/22 a charge was made for {$1000.00} at XXXX XXXX in XXXX TX. On XX/XX/22 another transaction went to XXXX supercenter in XXXX TX. XX/XX/22 an ATM withdrawal happened in the amount of {$400.00}. Another deposit was made from my XXXX business account in the amount of {$1700.00} on XX/XX/22. XXXX transaction TX on XX/XX/22 for {$1000.00} and another for {$790.00} in TX, which brought the account to {$0.00}.
Consumer complaint received 2017-07-27
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)

Dear Sir/Madam, I previously notified Capital One bank that I am a victim of identity theft, and requested that you do the following : Remove all unauthorized charges on my account, and Take steps to remove information about my account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my account ending in XXXX were used without my authorization due to identity theft and was charged for the total amount of USD XXXX. I did not authorize these charges, and I request that all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Identity Theft Police Report. Because the information you are reporting isthe result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B  ). I ask that you take these steps as soon as possible. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

I received an email from XXXX XXXX on XX/XX/XXXX notifying me of unusual activity on my credit reports. I checked my account and saw multiple debt collections from agencies in XXXX. 

I see XXXX XXXX XXXX opened an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I see PRO COLLECT opened an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I submitted a dispute through all credit Bureaus on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX was removed from my credit report. On XX/XX/XXXX I received an update on the dispute where XXXX XXXX was removed and PRO COLLECT was verified and updated. I called PRO COLLECT on XX/XX/XXXX to further dispute the collection account and I was told to file a police report and email the police report and my ID to XXXX 



PRO COLLECT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (NJ)

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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I submitted a letter in reference to incorrect personal information in my credit profile that has never been associated with me, yet they still are reporting this information. I attached my driver 's license as proof. 


This is the only personal information that should be on my report. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX New Jersey XXXX It is unlawful to report information on a consumer report.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (AL)

LVNV funding placed a collection account on my credit files after I made payment arrangements. I don't think it's right to do this. I can only make {$18.00} a month. Which they accepted. So it shouldn't have been placed on my credit.
Consumer complaint received 2017-07-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My name is XXXX XXXX ( born XXXX ). SSN XXXX XXXX XXXX. My foster parents XXXX XXXX XXXX and XXXX XXXX XXXX fraudulently opened this loan account under my name. They had also attempted to open one for me on XX/XX/XXXX for BankAmericard Travel Rewaed Visa but were declined. My account was opened on XX/XX/XXXX and canceled on XX/XX/XXXX by the credit grantor. XXXX XXXX who lives at XXXX XXXX XXXX XXXX, XXXX, OR, XXXX, whose DOB is XX/XX/XXXX and whose SSN is XXXX is behind all this stuff. She ruined my credit. I was disputing it with XXXX, XXXX and XXXX but the credit rating agencies keep on telling me " paid as agreed ''. My foster parents have committed an ID theft and a felony fraud.
Consumer complaint received 2024-04-14
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: Exeter Finance, LLC. (GA)

I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX XXXX not aware of.
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-26
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. (GA)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Personal Infomation address : XXXX XXXX XXXX XXXX XXXX Alabama XXXX. 
XXXX : XX/XX/1992 Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX Delete all closed accounts on my credit report and late payments on my credit report. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.