davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IN)

On XX/XX/2023 Citibank sent a letter advising they would be reducing the credit limit due to non-usage of the account unless I called within 30 days to confirm that I still wanted that credit limit. I called on XX/XX/2023, well within the 30 day time limit and asked to retain the limit. The first customer service rep sent through a request to increase ( pulling a credit report without understanding ) and increased the line partially but not the full amount. I immediately questioned this as it was not what was stated in the letter they had sent, and after being bounced around to several different customer service reps, was finally told that the limit would be reinstated to the original amount of {$31000.00}. I was also told that as compensation for my trouble and as an incentive to use the card the interest rate on new purchases would be reduced to 3.99 %. We did not have an occasion to use the card until XXXX, and when we received the statement found that they had not reinstated the limit as they had promised, and again said I could request an increase however did not advise me that would essentially be a credit request and include a credit pull. The chat function on their website is only good for standard requests, and they have no formal of documenting a complaint. Customer service just said submitting a new credit request is my only option.
Consumer complaint received 2024-04-01
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. (PA)

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my right. 

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 an account without my written instructions.
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX I got a Credit card with a {$500.00} limit from Capital One bank when I came home from prison in 4th Quarter of XXXX. I got the card just to establish credit and I spent approximately up only {$300.00} on the card and paid {$100.00} on my first two payments. The amount I paid down on the card was well over the minimum amounts due yet to my disbelief I was told that I owed over {$350.00}. This made no sense at all even with their ridiculous XXXX 19 % interest on their janky credit card. I never paid them again and told them XXXX YA 'LL close this account with that XXXX! 
It's XXXX and Capital One Bank now has a third party company, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX, writing me as of XX/XX/XXXX for {$400.00} well over the amount on what I browed and paid down. They continue to violate my rights as a consumer well over 10 years later even though I filled a bankruptcy sometime between XXXX XXXX after my daughter was born. My child is now XXXX XXXX XXXX. 
Capital One Bank has sold my petty debt 12 times since I told them to XXXX off with that XXXX. Here are the 12 companies who have participated in violating my rights as a consumer to protect myself from fraud, lies and overall bad business practices : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Originator XXXX XXXX The above harassment violates XXXX compliance standards as I mentioned I did file a bankruptcy 8 years ago and this debt is over XXXX XXXX XXXX. Moreover, I did not enter into any written agreement with any of the 12 private agencies listed above and should be noted by the federal law of the United States of America states that periodic account reviews by an existing creditor or my own requests to check my credit file will and does remain in my file for 2 years. Thus, each time my debit was sold in attempt to collect was illegal in the state of Georgia beyond : 6 years for written communication, Oral contracts and Promissory notes 4 years, and open ended accounts including credit cards are only good for 4 years. Period. 

https : XXXX Thank you kindly for your time and consideration regarding this matter. I do expect this violation of my consumer rights to STOP! Shalom Truly, XXXX XXXX XXXX # MrXXXXYourFeelings
Consumer complaint received 2023-07-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CapitalCredit LLC (TX)

I purchased my XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX XXXX on XX/XX/XXXX. The original contract 's final payment maturity date was to be on XX/XX/XXXX, but due to the XXXX pandemic resulting in job loss, I had two ( 2 ) deferments, which pushed the maturity date to XX/XX/XXXX. 
CapitalCredit LLC XXXX  XXXX acquired my auto loan from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, in XX/XX/XXXX. During the course of payments with CapitalCredit LLC XXXX  XXXX, I had two ( 2 ) more deferments on XX/XX/XXXX and XX/XX/XXXX, which were added to my account, which then pushed my maturity date to XX/XX/XXXX. 
The XX/XX/XXXX maturity date was confirmed by several employees in the XXXX, TN Corporate Home Office ( XXXX on XX/XX/XXXX, XXXX, and XXXX ; XXXX and XXXX are no longer with CapitalCredit ), however, when speaking to XXXX ( CapitalCredit LLC XXXX  XXXX Manager ) on XX/XX/XXXX, he advised my maturity date was XX/XX/XXXX. I told him that was not right and was miscalculated and needed to be re-looked at. Since XX/XX/XXXX, I have yet to receive the information that I asked for and was told that my file was brought to him as a " Problem File ''. I still have yet to receive the corrected calculations, my contract when they obtained the loan from XXXX XXXX  XXXX, and MY TITLE ( now that I have paid the last payment on XX/XX/XXXX, according to my original contract 's final payment date of XX/XX/XXXX, plus the four ( 4 ) total deferments over the life of the loan ).
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I contacted the collection agency called AFNI about an account on my credit file that doesn't belong to me and tried to settle with them because i'm in escrow on the purchase of my new home and need it deleted from my credit report right away. They told me that they wouldn't accept anything less than {$1000.00} and i stated that it's not mine but i need it gone off of my file. I even asked for some proof of a contract or something with my signature showing the debt belongs to me and they refused.
Consumer complaint received 2018-05-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My name is XXXX XXXX and I am the President of the XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX in XXXX, Texas. I previously submitted a complaint about the Nationstar Mortgage, the mortgage company that has the mortgage on an abandoned property located at XXXX XXXX, XXXX, TX XXXX. This home was abandoned by the owners, XXXX XXXX sometime around XX/XX/XXXX. Nationstar Mortgage filed for foreclosure in XX/XX/XXXXand to date nothing has taken place. The property at one time was being maintained by XXXX XXXX and last year XXXX XXXX XXXX began maintaining it. Once again it is not being maintained and XXXX at XXXX XXXX stated they have gotten no approval from Nationstar to commence maintenance. They claim they have tried to call them and get no return calls. Please intercede as you did about a year ago with this irresponsible mortgage company and have them at least maintain the property if they are not going to foreclose. The neighbors can not sell homes with this horrible looking home on their street. It has been abandoned now for about 10 years and most likely will have to be torn down someday as I can not imagine what the inside of them home looks like after no air or heat all these years along with rotted food in a refrigerator. My address is : XXXX and my phone number is XXXX if you need further information.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX  XXXX Account NumberXXXX has violated my rights. Or a 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 2023-01-24
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

My identity was stolen that resulted in a XXXX account being opened for {$140.00} that closed. A bankruptcy thats on my credit file submitted by another company.The court i filed with stated that they do not share that information with the credit bureaus.
Consumer complaint received 2024-04-03
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. (IL)

15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ) Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of Furnishers to Provide Accurate Information ( 1 ) Prohibition ( a ) A person who furnishes information to a consumer reporting agency must not provide any information that they know or have reasonable cause to believe is inaccurate.

Reporting Errors : If a consumer notifies the furnisher that specific information is inaccurate, the furnisher must refrain from providing that information to the consumer reporting agency.

Reasonable Cause : The term reasonable cause to believe that the information is inaccurate refers to having specific knowledge beyond mere allegations by the consumer that would cast doubt on the accuracy of the information.

Once the original creditor sells the debt to a third-party debt collector without my permission. I no longer owe the debt.

15 US Code 1681i ( 5 ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the treatment of inaccurate or unverifiable information in a consumer 's file at a consumer reporting XXXX. If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the XXXX.
Consumer complaint received 2022-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (ID)

The incident is with Chime online bank. It started when I moved half of my savings from my normal bank to the Chime app since I did not see anything wrong with that. The amount was for {$9700.00} on XX/XX/XXXX. They did not bounce it, they accepted it, but flagged my account for suspicious activity. They then blocked my account on XX/XX/XXXX and asked for documentation to give me access. I have provided the requested documentation 6 separate times to both review and support on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. They closed my account on XXXX claiming they did not receive correct documentation and gave me no direction to re send anything or any explanation other than the generic email. They said it is not eligible for refund.
Consumer complaint received 2023-05-21
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I was never late in XXXX XXXX 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 furish 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 anu purpose.

I request to have this account updated to paid on time.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theft all of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX  XXXX  XXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (TX)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-19
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. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Apparently according to bank of america, on XX/XX/2023 they experienced a data leak, which leaked my card info. So without letting me know they purged my card and that was it. I didn't find out about this till on Monday the XXXXXXXX XXXX  XXXX, I tried to use my card only for it to be declined, and that's when I called them and found out. I called them and they send they had sent me out a new card, but they have no proof that they sent it out only saying " yeah we put it in the pick up box for the mailman. '' I asked two of their representatives to expedite my card since the new one never showed up and there's very little I can do till I get my new card i.e. rent and bills. I explained this to them and they just didn't care. They said they could charge me like XXXX XXXX  to get it expedited, and I was like No, you guys cancelled my card without telling me, it's your responsibility to make sure I get my new card. And I still haven't gotten it and it's now XX/XX/XXXX. They are just giving me the run around. I told them I never got the card they supposedly sent and basically telling me it's not their problem, when it was their systems that were breached.
Consumer complaint received 2023-05-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ), AMOUNT {$1000.00}, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  ( Original Creditor : 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
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These inquiries are totally illegal thats why i froze my report. Please remove. 

Equifax Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these illegal inquiries off my report.