davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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. (FL)

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Consumer complaint received 2023-08-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (PA)

I have been receiving numerous and repeated calls, emails, and voicemails from your company regarding a debt that I have no knowledge of. Not only am I unaware of this debt, but the frequency and nature of your communications constitute harassment and are in violation of the FDCPA and the FCEUA. 
Under the FDCPA, consumers are protected from abusive, deceptive, and unfair debt collection practices. Specifically, it prohibits communication at unusual times or places, excessive communication meant to harass, and any form of threat or use of violence. The FCEUA reinforces these protections and clearly states that debt collectors and creditors may not engage in unfair or deceptive acts or practices while attempting to collect debts. 
Please be advised that I am aware of my rights and that your actions are in violation of these laws. I demand that you immediately stop all communication with me, except to inform me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA and FCEUA. XXXX XXXX has spoken to a family member that has answered the phone and has identified themselves which is a clear violation. I have no clue about this debt. I have been dealing with identity theft due to numerous data breaches and have been trying to clean my credit up ever since due to fraudulent accounts on my credit reports. I noticed this debt has went through a few companies to collect a payment on a debt that I have no knowledge of. XXXX XXXX aka Velocity Investments Inc has been beyond harassing. I want all communication to cease and I want this account deleted from my credit report as soon as possible. Please provide proof you have legal grounds to harass people in Pennsylvania. I want to know names and proof you have legal rights to collect debts in Pennsylvania.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TN)

Someone opened a chase credit card in my name. I am trying to cancel this card and close this fraudulent account but Chase is saying I am liable for the these charges because Ive been making payments from my chase checking account. I DO NOT have a chase checking account!! This is not me! Please help
Consumer complaint received 2023-07-11
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: CCS Financial Services, Inc. (VA)

Since The company states they didnt receive an email I have attached it. 


Also here is the email they claimed I never sent. 

AccountNumber=XXXX AccountNumber=XXXX This company I have no knowledge of is reporting and brought my PII illegally. I have no knowledge of this debt or company. This company 15 U.S. Code 6821 - Privacy protection for customer information of financial institutions.

15 U.S. Code 6801 - Protection of nonpublic personal information.

15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681b - Permissible purposes of consumer reports For each violation its 1,000 in court. Plus more in damages. Please stop reporting of this fraud debt. Or I will pursue in federal court for violations, personal injuries, defamation. Please cease and desist this tradeline from my consumer report.

AccountNumber=XXXX  Delete XXXX  now due to fraud or provide me with a point of contact of your legal team.
Consumer complaint received 2023-08-12
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. (FL)

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

***INQUIRES*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***COLLECTION ACCT*** XXXX XXXX {$1500.00}
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (CA)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I need help with Citibank closing my two credit cards within a week of each other. I think there has been a huge mistake, but it is impossible to talk to anyone at Citibank about it. 

I had two credit cards with Citibank - an XXXX XXXX and a XXXX. Both were enrolled in autopay. The autopay for the XXXX  was hooked up to my savings account. In XXXX, XXXX, and XXXX of this year the auto payments came back as returned. 

Citibank never sent me an email or letter in the mail about it, but they did alert me to a private message that said there was a problem with my savings accounts. When I would go into the website to read them an alert told me the system was down and to come back later. I didn't pay much attention to it since I knew I didnt have much money in that account and had forgotten that the savings account was sourcing the autopayment. 

( Some context around the oversight to the returned payments. My father died recently and with wrapping up his estate I have not been paying as close attention to my accounts. Also, I paid off both of these credit card accounts completely recently so they were the last things on my mind. ) After coming back on vacation my AAdvantage card was declined and I called Citibank and the associate told me it had been closed and that there was a message for me, but she couldn't read it to me. I had to be transferred to another department for that and they said because I had had three returned payments that it had been closed. Within a week the XXXX card was closed also even though I have not had any returned payments on that card! 

I called a second time after that card was closed and asked if they could be reviewed. Since then Citibank has sent me a letter postmarked XX/XX/23 stating that the AAdvantage card had been closed and another saying the same for the XXXX card postmarked XX/XX/23. 

On XX/XX/23 I received an email from Citibank stating " Youre one of our best customers, so were happy to announce that the revolving credit limit on your Citi XXXX Card has been increased... '' which made me think it was being reopened and further adding to the confusion. 

Then I received two letters a couple of days later postmarked XX/XX/23 stating that both accounts had been reviewed and weren't being reopened. I have tried talking to someone at a local branch but they refer me back to customer service. 

I am attaching copies of all the letters and emails Citi has sent me that are mentioned above. Thanks for your help!
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

On XXXX XXXX, i was charged a fees of {$100.00} by Discover credit card. I used the credit card for XXXX XXXX but was not made aware that this will be treated as the cash advances. This thing was not disclosed to me by Discover and was also not disclosed to me by XXXX when I was making the transaction. 

I as totally unaware of this cash advance thing and have never used this before on any of my credit cards since last 10 years or so and hence was surprised to see this charge.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX 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
Consumer complaint received 2023-07-28
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: The CBE Group, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2020-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-05-27
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. (WI)

I have sent letters and all required documentation via certified mail to have the fraudulent items removed that are appearing on my consumer report. My efforts are being continuously ignored.
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (VA)

I have been dealing with this XXXX XXXX issue since the beginning of XXXX. I received mobile devices and immediately returned them and XXXX XXXX confirmed this. I never opened the devices either. I have constantly received text messages from XXXX XXXX about owing them money. Every time I call them they say they have resolved the issue and they see I never activated the lines, I returned the phones ( because I couldn't port the numbers over from XXXX ), and now as of XX/XX/, I received a collections letter from XXXX ( XXXX XXXX XXXX ) and I contacted them at XXXX, they told me that they needed proof that I returned the phones because XXXX XXXX reported to them that I did not return the phones. I immediately called XXXX XXXX back and was told that I did not have a balance due and they do not show that I have an active account. I gave them all of the information regarding the collection company and also explained that when I log in to my account it still shows I have a balance on an XXXX  mobile account. I have asked for a manager on numerous occasions and I am always told this is resolved. I want this taken off of my credit immediately, I want an explanation of why this was erroneously reported and I also want compensation for this issue as it has caused me a great deal of time and frustration. I called back today and was transferred 4 times and then hung up on. XXXX has never sent me anything in writing at all in the mail. XXXX XXXX has never notified me in writing at all via mail correspondence. They have only sent text messages and I have responded via a phone call or chat to every one of them. No one at XXXX XXXX seems to know what they are doing. I looked at the XXXX XXXX account online today and it shows a report of the return, then it shows a damage charge, Again I NEVER opened the phones, how could they be damaged? I also was NEVER notified. My account which should have not existed was erroneously and wrongfully sent to XXXX XXXX XXXX and they are refusing to accept a dispute at all and want me to supply proof of the return which XXXX fails to provide other than via an email and no one from XXXX XXXX will contact XXXX, they will only transfer me to XXXX.
Consumer complaint received 2023-06-20
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/2022 navy federal credit union transfer XXXX to a credit card that my husband was past due and we had the money save up of XXXX in our savings account and when we went to go try to pay it online it was not there no more this was on Saturday ( XX/XX/2022 ) the guy we were talking too told us that department was close was will be open on Wednesday to call then. So when we went to check the bank accounts everything was gone. They dont call us to let us know our money was taking away. Then like couple hrs late we get a call. We call the bank to tell them what was going on why we had no money and no one couldnt help us into one lady was disrespectful telling us thats XXXX you lost your money and you cant get it back before hinging up the phone on us they can keep the XXXX. But we want our XXXX back we need someone help bc this its XXXX
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BMO Bank, N.A. (WI)

On XX/XX/XXXX I transferred {$16000.00} to my business account. I have deposited larger amounts before but this time they put a hold on it until XX/XX/XXXX. I need the money to buy a car. My car is no longer working. They will not release the funds to help me, eventhough the money has already been removed from the other account.
Consumer complaint received 2023-06-20
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. (FL)

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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRAsection 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 which 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 XXXX XXXXXXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed XXXX {$2700.00} ; XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (FL)

Under the Fair Credit Reporting Act, they have violated my rights XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : 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 2023-08-12
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act this creditor ( XXXX  XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Consumer complaint received 2023-01-05
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. (CT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have noticed that some unauthorized inquires are being placed on my credit report, which i do not know anything about.reporting inaccuracy on consumer report is unlawful and this violated my consumer right. I hereby want a full review on my report and quick removal of all the listed unauthorized inquiries. 

XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( finance ) XX/XX/2023 XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( bank ) XX/XX/2023 XXXX  XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 2023