davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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. (AR)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove by the credit bureaus in my credit file right away : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have a credit card from XXXXLNBRYANT  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/LNBRYANT  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX/LNBRYANT  with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-10-11
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. (TX)

I was a victim of identity theft. I filed a police report and theft affidavit. The bureaus have not removed and blocked the fraudulent information.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is my second complaint about this matter. Bank of America credit card suddenly reduced my credit limit by {$25000.00}, to {$500.00}, though I had paid off a {$36000.00} balance a year ago and though I rarely use the card and am always up to date with my payments. I have been their customer for fifteen or twenty years. By reducing my limit in this way, they triggered an avalanche of problems for me on my credit score, causing other cards to follow suit and lowering my credit score by FIFTY POINTS. I am trying to refinance my mortgage during a difficult divorce and now will be unable to do so. I reported them for this problem several months ago and they told CFPB that they needed more time to " work on it. '' Since then, silence and nothing changed with my account. 

I should note that about the avalanche described above -- another one of my cards reduced my limit after Bank of Am did so, but only from XXXX to XXXX. This impacted my score only slightly. There is absolutely no reason that Bank of Am could not do a similarly small reduction in credit, covering whatever concern they had without destroying my life for a card I rarely even use at present.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY (NJ)

I am a non TD bank customer who went into a branch to cash 3 checks. 1 official certified TD bank check and 2 paychecks from an employer that uses TD bank. I had 2 forms b of ID ( more forms of ID were available if needed ) ( TD bank printed on all 3 checks ). I was denied by the teller who was rude, but the manager was even more rude. Initially I was told there were issues with the check account and when pointing out there are 2 accounts ( one from my employer and one from a official Certified check they stated both accounts to have issues, I can not tell you why. I was told go to a check cashing place. Called customer service without any resolution. Im a non traditional bank holder and have every right to clash these checks as TD bank issued them. Im embarrassed and hurt at the way I was treated. I need assistance, not sure if league action is the next route?
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Progrexion Holdings, Inc. (CA)

ON XX/XX/2021 I SIGNED UP WITH CREDIT.COM FOR FREE ONE MONTH TRIAL. SEE ATTACHED EXHIBIT " A ''. 

ON XX/XX/2021 I REQUESTED TO CANCEL AND PROVIDE CONFIRMATION. SEE ATTACHED EXHIBIT " B ''. 

ON XX/XX/2021 THEY RESPONED BY STATING SOMEONE WILL BE IN CONTACT WITH ME. THEY DID NOT AND ONLY SENT ME AUTOMATED RESPONSES. SEE ATTACHED EXHIBIT " C ''. 

ON XX/XX/2021 XXXX RESPONED BY STATING MY REQUEST TO CANCEL AND COMBINED MY REPEATED REQUEST TOGETHER INTO ONE REQUEST. 

ON XX/XX/2021 I TRIED TO FOLLOW-UP WITH MY REPEATED REQUEST TO CANCEL AND PROVIDE CONFIRMATION. NONE OF MY EFFORTS TO CANCEL HAS GONE WITHOUT RESPONSE AND THERE LINKS LEAD TO NOTHING.
Consumer complaint received 2021-03-09
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: Westlake Services, LLC (NY)

XXXXWESTLAKE FINANC Inquired on XX/XX/2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-09
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

Back in XXXX 2016 my Discover credit card was stolen and it was used up XXXX of dollars. Now I'm trying to get a loan and this negative report is showing up on my credit report. 
I reported it to the police and received a police report. I thought it was dismissed by Discover, but it wasn't. Please help if you can. 

Thank you XXXX XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2024-03-27
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. (TN)

XXXX XXXX  ran my credit almost XXXX times without my knowledge. I want these removed from my credit please. I did not authorize these credit pulls XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NJ)

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 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 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 2021-03-09
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. (TX)

Experian Credit has failed and refused my access to the online credit history account of my 40 year financial history which is without blemish. Each time you call the Experian number it is not possible to talk to a " live '' person. Each attempt to access online, there is always a " problem '' with some kind of " security code '' which never seems to work. Each phone call attempt is always endless recording which only prevents access and does not enable access.

Further, Experian fails and refuses to provide a so-called " free credit report '' as required by Federal law by simply preventing access to request it. 

Obviously, Experian is trying to force every person with a credit history to pay them money each and every month for all eternity just to access their own credit history, which is supposed to be " free. '' Experian only pretends to be in the credit reporting business but is really in the " credit repair '' business for charging fees on services not wanted or needed. Experian continues to fraudulently claim I have some kind of " membership '' which I have never had, and are continually attempting to force me into " upgrading '' this fake " membership '' for a monthly fee just to access my own credit file. 

The result of their intransigence is yet another fraudulent claim of a debt I do not owe from some company I never heard of in my life. This is yet another repeat of fraudulent claims Experian routinely puts in my credit file in their ongoing attempt to force me to pay a monthly fee for " credit repair services '' I do not want or need. 

" XXXX XXXX XXXX '' claims a {$690.00} debt I do not owe and has failed and refused to even contact me, and instead files fraudulent claims against me. I have received nothing regarding about any " debt. '' Because they know Experian will use it as an excuse to force me to pay them to get it off my credit file. They know Experian will force me to pay for " credit repair '' services to remove this fraudulent claim against me. 

It is a conspiracy to defraud every person with a credit file and in need of a thorough Federal criminal investigation to hold these personally and individually accountable for the financial harm they inflict on all of us.
Consumer complaint received 2024-06-23
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (LA)

If a consumer notifies a debt collector that the consumer refuses to pay debt the Debt collector must cease all communication 1. Jefferson Capital System XXXX XXXX XXXX XXXX XXXX MN XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX 15 us code 1662 ( B ), us code 1650, us code1662, code1635
Consumer complaint received 2021-03-09
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: MicroBilt / PRBC (formerly CL Verify) (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2021-03-09
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: LEXISNEXIS (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX  - XXXX XXXX XXXX  ( Original Creditor : 08 XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : 08 XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (PA)

I was served papers that I was being sued by XXXX XXXX XXXX XXXX on XX/XX/XXXX. The only papers that I received was that I was being sued. I had no idea who the original creditor was. On XX/XX/XXXX I went to court in XXXX, PA at the Magisterial level. I was confused and not sure of why I was being sued. After XXXX XXXX XXXX XXXX attorney showed up ( a woman, I am unsure of her name because it was supposed to be XXXX XXXX, or XXXX XXXX that was representing XXXX XXXX XXXX XXXX, through Patenaude and Felix ), she showed me that the debt was through XXXX XXXXXXXX XXXX. I stated that I was positive that the debt was paid and was not sure the reason why I was being sued for the debt. The debt that the attorney showed me, {$2800.00}, was different than the highest amount of debt ever on my credit report for XXXX {$2700.00}, I was not able to prove that the debt was paid off already because I did not know what I was being sued for, before going into the courtroom. The XXXX found me guilty because I could not prove my case. I then went home and looked at and printed out my credit report. My credit report shows that my XXXX XXXX was reported stolen in XXXX, that the card was closed, and that there is no missed payments on that card. I filed an appeal as soon as I got all of that information together. I have been trying to contact someone in either XXXX XXXX XXXX XXXX or Patenaude and Felix to take the false information off of my PA docket information, willing to show proof of the card being paid and closed on my credit report, but they will not give me any information or papers to prove that the account was bought fraudulently on their end and that my account has been satisfied since XXXX. I am trying to buy a house and they are holding the entire process up, and there is a huge possibility I could lose the house because of these false records. Everything that they have about the account is incorrect.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (WA)

Received by mail 2 Visa debit cards for a Chase account I did not open. When I called ( XX/XX/21 ) to close the account I was asked to provide full SS number which I did not want to do over phone. I will try to close account at a Chase branch later today or tomorrow.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (PA)

I opened a charge account through Slate Chase Bank years ago ( I would guess over 7 years ago ) I became late with payments and was contacted by collections regarding the closure of my account and setting up arrangements to avoid legal action by phone or threatened to take me to court. The balance was under {$2000.00} I believe possibly less, it was not extremely high. I was told in order to stop legal action I needed to enter into a payment agreement to pay off the balance, the call was allegedly recorded. The agreement was that I set up auto monthly payments of {$39.00} to pay off the balance. Credit Account was closed and could not be used until the balance was paid in full. No interest charges were to occur because the account was closed and in collection. I agreed. Since that time I have had {$39.00} a month taken from my bank account but they have continued to charge interest every month so with the account closed all those years of payments my balance is still {$1500.00}. I have tried to call and am refused to speak to a manager, customer service says the account is closed and they will not speak to me about the account until the balance is paid in full. I think this was fraudulent collection activity at the beginning and still to this day. I would like to stop receiving bills and I believe they owe me years worth of overpayment to the original balance I paid. I have also filed a complaint with the XXXX  and the attorney Generals office today.
Consumer complaint received 2021-01-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Upgrade, Inc. (FL)

I was approved for a loan on XX/XX/2020. Upgrade was to send money to an XXXX account in the amount of {$3900.00}. The money never showed up in the XXXX account and they are now billing me for the money. They refuse to find out where the money went.