davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (AZ)

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 has 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 2021-07-03
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 (NY)

On XXXX I mailed a package to XXXX The package came back to PO because they said it had rechargeable battery which not allowed. I collected package at PO and then sent receipt and all documents to Capital One for claw back on XX/XX/XXXX To date i have not received credit nor acknowledgement of request If lost in mail I will send another copy but must know from Capital One if dispute letter was received
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

XX/XX/year> : Lawful debt request Affidavit 1st notice XX/XX/year> : Lawful debt request Affidavit XXXX notice XX/XX/year> : Lawful debt request Affidavit Default notice XX/XX/year> : sent information that i was filing suit in federal court ; also sent police report and Affidavit of truth Documents requested : Validation of Debt ( the actual accounting ) Verification of the claim against me ( signed invoice ) Copy of the contract binding both parties On all of the days that are listed i sent affidavits to Credit Acceptance to send me the information above they never sent anything what was asked. Credit acceptance has improperly been reporting late payments to credit report without giving me any of the above documents. I have filed a federal court case against Credit Acceptance which i filled out improperly and have to go back to federal court to redo the paperwork. In the coming time Credit Acceptance and XXXX XXXX will be under federal questioning for Anticipatory Repudication.I have also sent Credit Acceptance an Affidavit of truth and a police report. The late payments on the account need to be removed immediately as credit Acceptance has had more then 30 60 even 90 days to properly report my credit which they fail to do.15 USC ss 1681n Civil liability for willful non compliance is another federal code credit acceptance is disregarding. 
The agreement/contract they sent my name XXXX XXXX was the buyer and XXXX XXXX was the seller. I also agreed to pay Credit Acceptance on the condition they could supply me with all the documents judging by the time that has passed and they continue to send the same one document I'm led to believe Credit Acceptance can not supply me with the documents I'm requesting
Consumer complaint received 2021-04-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (TN)

I have attempted to contact this company on numerous occasions to find a solution to the debt they claim as owed. Most recently I emailed them at the contact listed on their website, Support@AdAstraRecoveryServicesInc.com These communications took place on XX/XX/2021 and XX/XX/2021 and the company refuses to respond. 

As a result, I have disputed the validity of the debt with the credit bureaus and they find the time to respond that inquiry but not to the person actually trying to solve the matter.
Consumer complaint received 2015-08-22
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Becker and Klein, LLC (NY)

I was contacted by Becker and Klein stating i owe money on a XXXX XXXX cc. They stated it was from XX/XX/XXXX they threatened to take money straight from my paycheck. I got scared and was not sure if i really did owe and did not want any problems so i started paying. Although i kept feeling i might be getting scammed, they now changed there company name to XXXX XXXX XXXX. I actually paid the whole thing off the total was {$940.00}. My problem now is i asked for something in writing stating that i was paid in full. They said we can send an email and hard copy which would you like. I said both its been over a week and i still have not received my proof of payment. I am now worrying that this was just a scam and not sure what to do next. I have a copy of the original email stating the payment breakdown, and phone numbers i have used to contact them. I also have bank statements with proof of my payment! I will try to call again on Monday but i thought i should reach out just in case this really is a scam. I am a hard working single Mom and would to hate to think i just got scammed. Any help would be highly appreciated.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

I met a gentleman on a dating app called XXXX in XXXX of XXXX  and after a few weeks of talking, he referred me to a financial investment app called XXXX He said I could make good money with short term investing. The company that was utilized within this app was called XXXX XXXX. Their web address is : XXXX  and they have an email address of XXXX. I have emailed them several times with no response. I regret to inform you that I fell victim to an incredibly sophisticated investment fraud scheme where crooks systematically disguised themselves as a legitimate and trustworthy entity, in order to illicitly exploit the vulnerabilities of unsuspecting, investors and con them out of their money. This took place between XX/XX/year> and XX/XX/year> via wire transfers which then purchased cryptocurrency in the amount of {$27000.00}. ( I have attached a screenshot that shows dates and amounts of the wire transfers as well as the wallet addresses where the funds were sent to. I have alerted my bank and Crypto.com as well of this fraudulent investment scam and am currently seeking a refund from Crypto.com but they are refusing to do so. 
Crypto.com was fully aware that these wallet addresses were scam wallets as soon as I alerted them of this fraud and told them the FBI had contacted me. The FBI contacted me directly regarding this investment fraud scam via email went phone and alerted me of the scheme. 
An iC3.gov report has already been filed with the FBI. I was deceived into transferring my funds for investment returns that were never delivered. The way the fraudsters had their scheme rigged ; I am certain that I will never receive any monetary value for these investments thus causing me significant economic damage. 
Please press on crypto.com to refund my money as they knew these were scammers wallets as soon as I let them know the FBI had contracted me.
Consumer complaint received 2023-05-31
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (PA)

My name is XXXX XXXX I need to dispute this whole account and past due bill and and any incoming bills from XXXX and Reference : XXXX and You had a account from XXXX with account number XXXX bill should be {$890.00} not {$860.00} and yall first agent got smart to me didnt want to dispute it for me he say he will dispute the XXXX bill but I dont know if he did or not and the other one didnt want to dispute it she claim she did I need yall to verify it if they both dispute it or not if they didnt I want yall to dispute it and send me proof when it is dispute or when it was dispute and what happen next when it is dispute my address is XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX or XXXX XXXX XXXX Pennsylvania XXXX and I also like to make a complaint on both agents to and report them too yall to investigate them thanks and the third didnt want to help me I want to make a complaint on her too and investigate her too and also send the dispute account back to XXXX and what will happen to the dispute account go back to XXXX or what will happen to it or who will have control of it then now etc.
Consumer complaint received 2020-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2022-12-07
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. (GA)

I want to inform the Credit Bureau that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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. (MI)

XXXX is reporting that I opened a student loan with them in XXXX and XXXX however I never signed a master promissory note with this service provider. My original loan was with XXXX XXXX and Im not understanding how this would be accurately reported for these years by XXXX. I was never supplied with any loans from XXXX. Please request that they send their promissory note with my signature to verify this is actually a loan that I signed for with them. If there is no promissory note between myself for the dates reported by XXXX then I would like my credit report to reflect the accuracy that is within my rights as a consumer.
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (MI)

I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports Experian XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?
Consumer complaint received 2023-04-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my consumer profiles. I've contacted all parties involved numerous times disputing this alleged debt. I've asked for validate & verify provide documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They are still harassing me in reference to this debt. I've asked XXXX, Equifax, XXXX to reinvestigate and provide with the procedure they used to verify this information. I refuse this debt. I NEVER gave anyone permissible permission to share any of my private nonpublic information. Consumer Reporting is voluntary. I never gave consent!! No consent is identity theft!!
Consumer complaint received 2023-08-16
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. (MI)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit, Inc (VA)

I XXXX XXXXi bought XXXX XXXX XXXX ACCOUNT NUMBER XXXX I TOTAL LOST MY CAR IN XX/XX/XXXX MY INSURANCE COMPANY TRIED PAID PAY OFF {$13000.00} AND THEY SAID NO WE NEED MARKET VALUE FOR THE CAR WHICH IS {$19000.00} and this never been disclose to me i never recive my contract because the delver the car to in 10 times attempscalling vw creidt and they send me one part contract is one millimeter and you can not read and get bigger exposure by XXXX machine state attorney general designed to protect virginia consumer and not bow to scam artist airbag and diesel law suit please i need answer and i am going to send this to us attorney general i think you have close down vw creidt in state va thanks XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-26
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. (MI)

XXXX is reporting that I opened a student loan with them in XXXX and XXXX however I never signed a master promissory note with this service provider. My original loan was with XXXX XXXX and Im not understanding how this would be accurately reported for these years by XXXX. I was never supplied with any loans from XXXX. Please request that they send their promissory note with my signature to verify this is actually a loan that I signed for with them. If there is no promissory note between myself for the dates reported by XXXX then I would like my credit report to reflect the accuracy that is within my rights as a consumer.
Consumer complaint received 2024-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually account that belongs to me
Consumer complaint received 2023-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

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

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MD)

False Advertisement and Deceitful Business practice Please see below Citi Double Cash advertised, to XXXX members specifically : : Intro Bonus Earn {$200.00} cash back after you spend {$1500.00} on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as XXXX Thank You Points, which can be redeemed for {$200.00} cash back. 
https : //usa.experian.com/mfe/member/credit-cards/offers I spent {$370.00} in the first month of the card been issued and {$1400.00} in the second month of the card being issued for a total of {$1800.00}. I have reached out to Citi bank for a statement of credit of {$200.00}. And they have been giving me a run around. First, they requested a Print screen with the offer information. Which was promptly emailed to them. They said to give them three to five business days and they were given the five business days with no action. They requested another three days which were given to them to process again without the promised result. When I called back again, they said to provide them with my address which they already have. Next time they said it would be resolved within three hours. Today, they claim that my account is not eligible. After they duped me {$1800.00} under the false and fraudulent pretense that if spend {$1.00} in the first six months I get a {$200.00} statement credit. This is a fraudulent and deceptive business practice ; all they want is for consumers to spend {$1.00} so they can rip off the consumer with an interest rate. If I had known this was a fraudulent scheme, I would not have applied for Citi Double Cash. It is a rip-off and copycat from XXXX XXXX anXXXX XXXX XXXX XXXXXXXX XXXX The only difference is that XXXX XXXX XXXXXXXX and XXXX XXXX honored and paid the advertised {$200.00} introduction Statement after spending the stipulated amount of money. As for Cit bank they are con artist and dupers. At minimum you can have them pull their false advertisement of {$200.00} statement credit after the consumer has already spent {$1.00}, XXXX.