davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Credit Corporation (TX)

I was at XXXX and buying breakfast for my XXXX daughters 's the total came to be XXXX $ The credit card has {$19.00} in credit so I assumed that since you have the credit you can use it, Well Guess not. They declined the transaction cause I missed my due date by two days??? Even though I scheduled the online payment. Keep in mind I never missed a payment. In any credit card there is a grace period!! and in what law that you have a credit on your CREDIT card but you can not use it!!! 

I talked to XXXX and he literally did not give a XXXX about what I had to say. all that he kept saying I will get your complaint to our escalation team. 

The emotional stress that I had to go through is priceless. Where in the world you can not use your credit if you have it on your credit card????
Consumer complaint received 2024-04-19
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 (FL)

I called and portfolio told me it was XXXX XXXX XXXX. I tried to contact XXXX because I do not have a contract with Portfolio and wanted to know the actual balance. I talked to XXXXXXXX XXXX XXXX XXXX XXXX  explained the situation to him. He said even if sold it should show something. Portfolio has dates as open XX/XX/XXXX which is incorrect I never signed any contract or talked with them for them to put that as the date opened. they also have updated last report day on a regular basis. The original date opened with XXXX was XX/XX/XXXX.
Consumer complaint received 2022-11-22
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. (MO)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX. : ACCT. # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT. # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : ACCT. # XXXX, XXXX XXXX : ACCT. XXXX XXXX, XXXX XXXX XXXX : ACCT XXXX # XXXX HAS violated my rights. 

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

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

15 USC 1681c. Section ( A ) ( 5 ) 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 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) states 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 2023-06-16
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. (UT)

XXXX IS POSTING FRAUDULENT ACCOUNTS IN MY GOOD NAME STATING THAT EQUIFAX HAS THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 
I HAVE DISPUTED THE INFORMATION WITH EQUIFAX AS WELL. 
SO FAR WITHOUT POSITIVE RESULTS FROM XXXX NOR WITH EQUIFAX.
Consumer complaint received 2023-05-12
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX
Consumer complaint received 2024-04-19
Product: Credit 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: CITIBANK, N.A. (FL)

Bought a XXXX phone system for {$85.00} at XXXX online on XX/XX/year> and paid with Citi Costco Visa XXXX XXXX. I returned the said phone on XX/XX/year> to XXXX. I called XXXX on XX/XX/year> XXXX on XX/XX/year> to ascertain the status of the refund in the amount of {$85.00}. Subsequently, I called Citi and started a dispute on or about XX/XX/year>. Citi issued a conditional credit for {$85.00}. However, as of XX/XX/year>, I haven't received the {$85.00} refund from XXXX. XXXX emailed me on XX/XX/year> stating the " refund is on the way. '' Attached are supporting documents that show I returned the XXXX phone system and XXXX acknowledged this and the {$85.00} refund will be issued.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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.

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 2022-11-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

BANK OF AMERICA WON'T RELEASE MY FUNDS. I RECEIVE XXXX XXXXXXXX and BOA SHOULD have protected my funds.BOA withheld {$120.00} for their legal fees and {$100.00} to the attorney XXXX and XXXX. BOA received a garnishment and enforced it on XX/XX/XXXX. On XX/XX/XXXX, attorneys at XXXX and XXXX sent a release of funds to the Bank of America and to the courts. This ( XX/XX/XXXX ) morning I was told they still had the courts garnishment in place and BOA would not release my funds
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Within the past 6 months, Equifax have blocked my credit file from me viewing via online. I literally have to spend  20 minu tes on hold to get transfer from the customer service dept. to the office of consumer affairs dept.  ( legal dept. of Equifax ).  I have spoken to sever al specialist including (   XXXX ,   XXXX   XXXX  , and  XXXX   XXXX  ) excuse me if i misspelled their names. We have spoken over the phone more than  12  times now. I repeating asked why is my file being locked from me viewing. Why I ca n't update my file, my old address is still on the file which the other  XXXX  bureaus already corrected the issue. I believe th e specialist at t his office of consumer affairs is personally attacking me from every corner. It 's not fair i ca n't look at my file like the other  200+million consumer Equifax deal with. on top  of this issue i have another issue with Equifax reporting of my tradelines. I repeated asked if my account could be disputed to update my file, i get denied or stated that i had to file the dispute online when my file is block to view even for disputes. It 's like a run around with  Office of consumer affairs. This is unprofessional, childish, Equifax should be fine for allowing s uch a harmful practices being displayed by these specialists. They treat me like a piece of trash from the dumpster. I am a victim of identity theft and is being treated like this. : ( this is a sad moment for the integrity of Equifax.
Consumer complaint received 2023-06-14
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. (MI)

Claims made in your affidavit, if not rebutted, emerge as the truth of the matter. Legal Maxim : He who does not deny, admits. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE XXXX. XXXX See Attached Affidavit
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (PA)

There are a number of things on my report XXXX XXXX XXXX XXXX XXXX isnt mine at all 2 there are two NCA i dont know what that is not mine i need my repor updated and the items that should come get it off of there
Consumer complaint received 2024-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (MO)

We are approaching the end of our mortgage payments, and have been working to our loan paid off, but yet Mr. Cooper has made XXXX errors in terms of processing and closing out our loan. 

- On XX/XX/XXXX our mortgage had a remaining principal balance of XXXX and XXXX statement lists the XXXX payment as XXXX XXXX On XXXX XXXX I requested a XXXX XXXX XXXX This XXXX XXXX XXXX took more than XXXX days to arrive in our inbox, at which point it was past the " XXXX XXXX Good Through Date '' of XX/XX/XXXX. 
- On XX/XX/XXXX, our regular of XXXX was auto-debited from our account. 
- However Mr. Cooper failed to apply any part of these funds. 
- On XX/XX/XXXX the full payment of XXXX was returned to us. 
- On XX/XX/XXXX Mr. Cooper added a XXXX Fee of XXXX and started pursuing collections, even though we had submitted a payment and they held it for XXXX  days without applying the funds. 
- On XX/XX/XXXX I requested another XXXX XXXX XXXX with a " XXXX Good Through Date '' of XX/XX/XXXX. 
- We received this XXXX XXXX XXXX in early XXXX ( still more than XXXX days from when it was requested ) - This statement listed a XXXX amount of XXXX which included the XXXX late fee that was assessed in XXXX. 
- On XX/XX/XXXX we sent a wire transfer in the exact amount of {$1300.00}, with an additional fee of {$45.00} added by our bank. 
- The funds were withdrawn from our account on the morning of the XXXX, but the payment did not appear on Mr. Cooper 's online portal until after XXXX on the XXXX. ( Contrary to their own paperwork that explained it should have been applied on the XXXX. ) - As of XX/XX/XXXX, Mr. Cooper has failed to apply the funds that were sent to them and has not moved the loan to being paid off, even though our quote was good through the XX/XX/XXXX. 
- As of XX/XX/XXXX, Mr. Cooper has drastically increased our estimated Pay Off amount to XXXX  and added another XXXX  in late fees, even though we have submitted payments to them on time.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. LATE PAYMENTS are Transactions and an Experience this is a violation of my consumer right. You must respect my right to PRIVACY.

I am a federally protected consumer which mean I reserve the right to privacy. 

Account Name : XXXXXXXX XXXX XXXXXXXX : XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (LA)

I received documentation regarding a Home Depot credit card debt owned by Citibank. I have never applied for, authorized someone to apply for, or used any credit cards from Home Depot or Citibank. I was contacted by XXXX XXXX  XXXX  regarding this debt and I explained this incident was a result of identity theft, however this company continues to contact me. It is important to note that my address has been at XXXXXXXX XXXX XXXX XXXX XXXX for a number of years however the address noted on the debt was listed as XXXX XXXX XXXX XXXX. I never lived at XXXX XXXX XXXX nor do I know who lives there. 

I am an elderly man. I am retired, I dont own a car, and I do not own my own home. I have no need for Home Depot purchases. 

I am asking that Home Depot review video records to confirm that I did not enter their store to apply for a card nor did I make any purchases.
Consumer complaint received 2018-04-11
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. (VA)

I have call transUnion and told Them That XXXX XXXX XXXX XXXX  shouldn't be showing on my inquiry onXX/XX/XXXXbecause I haven't apply for no service with XXXX XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX  service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -TransUnion XXXX-TransUnion XXXX   inquiries listed incorrectly doesn't belongs to me XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXXPriority XXXX   XX/XX/XXXX XXXX  incorrect inquiries don't belongs to me XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-14
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)

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. 

Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I am writing to bring to your attention a concerning matter regarding unauthorized transactions that have occurred on my lost debit card account. As an XXXX  Chase bank customer who recently underwent XXXX XXXXXXXX, I was unaware of these fraudulent activities until recently. 
Upon reviewing my account statement, I discovered several transactions that I did not authorize or recognize. It appears that my debit card was stolen, possibly through the use of a cloning device. Given my recent XXXX XXXXXXXX and resulting limited vision, I regrettably did not notice these unauthorized transactions until now. I deeply regret any delay in reporting these fraudulent activities when I went to report this, I was told that there is nothing I can do since it was pass 30 days after transaction that I noticed. So they opened up a case and closed it which out ever even sending a letter to my home or a phone call. 
May I include that all transactions were done outside my living State. 

Sincerely hope that you can assist me in rectifying this situation promptly When filed police report XXXX XXXX is also willing to help anyway possible XXXX # XXXX
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX
Consumer complaint received 2023-05-08
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)

Ive had identity theft items on my credit report for months, some over a year! Ive sent multiple disputes and emails with no action taken whatsoever! Dont credit protection laws apply to you guys or no?
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (VA)

Subject : Cease Unauthorized Credit Reporting : Violation Notice Under Virginia FCRA Identity Theft Fraud Laws Dear [ NATLCRSYS ], I am writing to address a grave violation concerning the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Virginia Code under Sections [ cite relevant sections ], and identity theft laws, specifically Virginia Code Section [ cite relevant section ]. 

It has unequivocally come to my attention that [ NATLCRSYS ] has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Virginia state law, specifically [ cite relevant sections of the Virginia Code ], emphasizes the necessity of consumer consent for credit reporting. Furthermore, Virginia Code Section [ cite relevant section ] establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft laws, such as Virginia Code Section [ cite relevant section ], underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for [ NATLCRSYS ] to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that [ NATLCRSYS ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant sections of the Virginia Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Virginia state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that [ NATLCRSYS ] will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (NJ)

I discovered many unauthorized inquiries on my report XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX