davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NC)

Since XX/XX/2019 Discover Financial Services has been attempting to collect alleged debts from me that have already been paid. My account with Discover Financial Services was approved and opened in XX/XX/2019. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with Discover Financial Services. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then Discover Financial Services has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With Discover Financial Services being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ), unlawfully stopped usage of my card ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ), and threatened to sell the alleged debt to a collection agency ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ) ( 5 ) ). Discover Financial Services has also fraudulently reported late payments, credit utilization, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted Discover Financial Services by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a XXXX  balance. In spite of the cease and desist they have still contacted me.
Consumer complaint received 2022-09-23
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. (VA)

I have contacted XXXX XXXX XXXX XXXX about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in 2021. They decided to update information and report it to all credit bureaus recently.

They are in violation of 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.
Consumer complaint received 2022-12-08
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)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION US DEPT OF EDUCATION DEPT OF EDUCATION / OSLA DEPT XXXX EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : collection not mine XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I reached out to the Bankruptcy courts in writing asking them do they verify information about bankruptcy cases. They sent a letter to me stating that they do not verify information. I contacted XXXX with this information and let them know that the courts are stating that they do not report any bankruptcies. I sent copies of the letter from the courts and asked that this information be removed from my credit report. I am attaching the letters that were sent. On XX/XX/10 I contacted Experian by phone because I put in a dispute and they responded that the bankruptcy had been verified. I spoke with a customer service rep by the name of XXXX and asked who did they speak to at the courts, because according to the courts they do no verify information over the phone. He went on to say that they did speak with someone with the courts and with XXXX XXXX and the bankruptcy was verified. He never gave me the name of who he spoke with at the courts, the date, the time, nor did he provide with the phone number he called, what documentation he had to verify that the information that he claimed was verified as accurate, this inaccurate reporting has caused me severe financial and emotional distress. At the end of the call with XXXX he asked me to send them a copy of the letter, which makes no sense to me because he claims that they spoke with someone from the courts and with XXXX XXXX which XXXX XXXX sent a letter to me stating that they had suppressed my file. I would like for XXXX XXXX to send me a letter stating that this information is no longer being reported and has been removed from their system. I also sent the same information XXXXXXXX XXXX XXXX. And for all three credit bureaus to delete this information from my credit report immediately
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I received my credit report on XX/XX/2023, and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Frontline Asset Strategies, LLC (IL)

Reporting a written off debt from XXXX and attempting to collect it from me in Illinois or Georgia : but they do not have a collection agency license in Illinois to report on my credit or attempt to collect. 

The original debt was written off.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies (FL)

This debt is showing on my credit report as a charge off. This account was included in bankruptcy and was paid in full when the car was totaled in 2019. The account was showing correctly for years and suddenly was reported as a charge off. I sent multiple requests for debt validation via certified mail : XXXX, received by Prestige XX/XX/XXXX XXXX, received by Prestige XX/XX/XXXX XXXX, received by Prestige XX/XX/XXXX I also included proof of bankruptcy and the insurance information verifying the loan was paid. Per the Fair Debt Collection Practices Act a debt can not be reported if not validated. The 30 day timeframe has elapsed with XXXX response to my requests. This is debt parking. The statute of limitations has passed for this debt, 4 years for auto debt, in the state of Indiana. 

Numerous complaints exist for this company for their unethical practices.
Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

From XXXX, I contracted XXXX on XXXX separate occasions and was forced per CDC guidelines to quarantine. In the jobs that I had, I was only compensated for when I was symptomatic ( usually XXXX days ) the other I had to take no pay. I kept a good payment history with my creditors but XXXX thing led to another and I fell behind on basic expenses ( XXXX ; XXXX etc ). I started to fall behind and then found myself caught in a debt trap.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: CLGF Holdco 1, LLC (FL)

im being told I applied for credit for furniture which is incorrect from XXXX retail over {$700.00}. ive advised I have recently received or purchased furniture. ive asked when the application was done & where but no information received.
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I have been with Amex XXXX XXXX XXXX for 9 years. I had my card on automatic payments monthly. All of a sudden they need to do a financial review. I was surprised and thought it was a scammer trying to get my information. I've been scammed recently so I was apprehensive about providing any information. I get a mail recently saying my account was cancelled. I noticed my reward dollars that I rightfully earned was {$710.00}. Now I'm being told my card can not be re-instated and I can not get back my rewards. This is pathetic. Thats stealing. I earned the money back by spending using the card. Atleast give me the money and you can cancel the account all you want. This is theft at its highest level by a wealthy company. {$700.00} means a whole lot to me. I called and spoke to XXXX people this morning.. including XXXX, supervisor and I was told multiple different things from account closing due to lapse in account to failure to provide financial information. Was on the phone for over an hour being passed along from person to person.
Consumer complaint received 2023-11-10
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)

I recently checked my credit and noticed a handful of fraudulent inquiries and accounts still reporting on my credit report. I've been going back and forth with the bureau since XX/XX/2022 trying to get this fix because I am a victim of identity theft. This has been nothing but frustration and stress. I did not consent to, authorize nor benefit from any of the following accounts and inquiries. Block and delete them
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX XXXX  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit car account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-03
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. (TX)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$260.00} ), XXXX XXXXXXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$440.00} ), XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$340.00} ), XXXX XXXX XXXX  XXXX ( XXXX XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$450.00} ), XXXX XXXX XXXX  XXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-03
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)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any ITEMS or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I opened an account in Chime in XX/XX/XXXX because I was traveling to XXXX, and Chime advertises they dont charge any international fees. My account number is XXXXand the email used to open the account is XXXX. I deposited {$310.00} dollars in the account for traveling expenses. On XX/XX/XXXX I tried to pay for an expense in XXXX and the account was locked. Chime states in their phone application that there is an email to send information to verify my identity and unlock the account. The same day ( XX/XX/XXXX ) I sent the requested information to chime. After multiple calls and escalations ( my mom and and dad called twice, and I called in XX/XX/XXXX and XX/XX/XXXX ) the account continues to be locked andfunds are not available. I received a support ticket # XXXX however when I asked today to the supervisor if the account can be cancelled, so I can receive my funds back, or if there is anything that can be done to access my money. Supervisor states that there is nothing to be done, there is no time to resolution and there is no one that we can call to address the problem only the " backoffice department '' can Unlock the account. I have not been able to access my money, and this company wont respond to the emails I sent. As of today Chime has locked me of accessing my money for 23 days!