davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-20
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. (WI)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$480.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I got a call from Capital One Credit card company saying that there was a application put it under my name on XX/XX/2023 and that someone was taking my identity. The card was a Cabelas Capital One credit card that was is Virgina. I told them that was not me and went through the steps with them. I also filed for a dispute with XXXX as well for fraudulent. So far it was not accepted but is now showing as a hard inquiry on my credit report. I did not try to open any credit cards. I do not live in Virgina and do not go to Cabelas.
Consumer complaint received 2023-08-02
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. (MN)

I am not liable for this debt XXXX XXXX. I do not have a contract with that company. I have contacted Experian regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

Chase is now offering me XXXX bonus points for {$4000.00} of spend within 3 months for the same card I already signed up for. When I signed up it was only XXXX for the same amount of spend. If I had known Chase were going to increase it, I would have waited to apply when the offer was higher. This is deceptive business practices and misleading advertising. Attached is a screenshot showing the current offer.
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (NC)

Medicredit violated my Hippa rights This is a third-party collection agency for medical debt that I knew nothing about that I did not consent to being on my credit report Ive asked them to delete it several times and they never have deleted it as well as never was verified by me
Consumer complaint received 2016-07-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Solutions (TX)

Received A robo call at XXXX today from a company called credit solutions ( XXXX and this lady come on ask my name and ss # and says I owe {$450.00} from some pay day love and I had committed check fraud and I ask her what bank and when did this happen she said in XXXX at a bank I stop using in XXXX and I ask her how did that money get in that bank in XXXXshe said she did n't so ask her not to call this number until she had her facts correct, then at XXXX robo call my job and someone came on and stated the same line and again I ask the not to call my job until they had their facts right and the she said I would be serve at my job or home and I told her that I would report this as soon as I get off the phone.
Consumer complaint received 2023-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FREEDOM FINANCIAL NETWORK (IA)

I am showing a $ XXXX loan from XXXX XXXX XXXX on my credit report. Additionally, my checking account has been charged in XXXX and XXXX of this year by XXXX XXXX  for {$440.00} ( the same amount my credit report suggests the monthly payment of the $ XXXX XXXX loan is ). I called XXXX to inquire about this with XXXX, as I have not borrowed any money since purchasing a home in XXXX and obtaining a mortgage through XXXX XXXX. That mortgage has since been paid off. XXXX representative suggested that this loan was used to pay off an XXXX Credit Card held through XXXX XXXX in the amount of {$8500.00}. XXXX Card number XXXX. I have never owned an XXXX Credit Card, and own no XXXX products. XXXX suggested that in addition to this, a {$1300.00} check was sent to XXXX XXXX XXXX XXXX, XXXX, XXXX - payable to XXXX XXXX. I am named XXXX XXXX, however I live in XXXX  and have never been to XXXX in my life. Upon sharing all of this information with XXXX, they advised they had opened a fraud case and had sent the info to the email address on file. When I suggested I'd never told them my email address, they suggested its the one that ends with XXXX. I advised that is not my email address, and pointed out that they had likely just tipped off the person who stole my identity. They would not share the full email address with me, nor would they tell me what the phone number I have on file with them is.
Consumer complaint received 2023-08-02
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. 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 XXXX 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 help those who are victims of identity-theft. I request that an extended 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.
Consumer complaint received 2017-05-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Platinum Holdings Group, LLC (CA)

I have never heard of nor had any contact with Premium Asset Services,  LLC . Someon e, n one  behalf of this company left court papers at my place of employment with the receptionist ( who is not a permanent employee ) who then informed her supervisor, who then informed my supervisor, who then informed me. This 'company/business ' has filed paperwork with the courts for a judgement of over {$2000.00} and never once notified me of ANY 'debt ' that I supposedly owe to them. I have never heard of a debt collector not informing you of a 'debt ' before filing paperwork with the courts.     Premium Asset Services, LLC  XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/2023 I mailed a cashiers check from my financial institution to refinance and pay off the total left on my auto loan with Ally Financial. The balance on the check reflected the total amount to pay off before the next payment was due, but it didnt reflect on my Ally account until XX/XX/XXXX which caused me to make a payment to prevent any derogatory remarks on my credit score. After making the payment there was a difference of {$420.00} that Ally was going to refund me. I waited 3 weeks for the check to arrive but nothing in the mail. I called Ally and they told me it was sent out roughly around XX/XX/XXXX and I should be getting it any day. Once a week passed I had a feeling something shady was going on and followed up again with another phone call. I told them that I felt the check must have been lost in transit because I still hadnt received it but to my surprise they told me the check had already been cashed and they couldnt send another one. They told me the only option I had available was that they could send me a secure message with the information of the bank that had cashed the check and they would get right on it which was back on XX/XX/XXXX. I called XX/XX/XXXX and just got off the phone with them today to find out that there is still no update or information that they have for me. I asked to speak to a supervisor and all of them were in a meeting ironically. They told me that the supervisor would follow up with me but that was 3-4 weeks ago. Im seeking to attain my refund and end all association with Ally Financial. After spending roughly 5 years with this company Im extremely disappointed with their services and care for their customers. If their only option of referencing me the bank that cashed the check is unsuccessful then they should issue me a direct check or payment to end this once and for all.
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

During the  XXXX   XXXX ,   XXXX   i had an inquiry placed on my  XXXX  credit report. Th e Unauthorized Inquiry  was placed by  XXXX  while i was in  XXXX   XXXX . I never authorized this as why i disputed it both by telephone and online with  XXXX  with no results.  XXXX  denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I sold my house and paid  XXXX   XXXX  the full amount of the balance due for the mortgage and the equity line of credit in   XXXX  2015.  The bank reported it as repossessed or foreclosed. I sent the  XXXX  credit reporting agencies a copy of th e HUD1  from the home sale indicating that the bank was paid in full. The credit reporting agencies did not fix it. Multiple calls to the bank were unsuccessful in correcting the situation and it has been affecting my credit f or two years  now. I am unable to get this fixed. Please help.
Consumer complaint received 2022-09-12
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: Bread Financial Holdings, Inc. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

They continue to call my mother about a debt that I have disputed numerous times. They have been asked by her to stop calling. They called 7 times on Sunday and 3 times after XXXX on Monday. They shared information about the debt with someone they shouldnt have. Cease and Desist
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I notice unauthorised transactions I submitted a claim but prior to that I had any theft and I have a problem with somebody calling the bank and impersonating me estimate to replace report the first state to claim was approved and then they told me that the claim was denied the only gave me the money to have the money and then they took it back to charge me back and they said they were going to put it back and they never did and then they said that the claim was denied I also submitted a police report but they never give me Solutions every time someone else tells me something different this is Bank of America
Consumer complaint received 2022-09-12
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-24
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

XXXX XXXX  and we are all on board to short sale but need time to process the offers and market it to be sold. Please don't allow parents hard work be taken, we are cooperative and sending in all docs to help facilitate a short sale with XXXX XXXX
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (MI)

I got a call from LJ ROSS ASSOCIATES IN collections a few months back and payed the bill over the phone it was a consumers bill I never received after moving it was a prorated bill a few days left of my monthly bill. The bill went to collections for almost two year without my knowledge and damaged my credit.The bill was only around {$40.00} I payed it right way after learning about it. I would like you to make a note and repair my credit. The bill was with consumers energy XXXX My name was XXXX XXXX I am now XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2023-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The aforementioned credit collection agency representing whomever your XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2017-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

My furnaces became non functional and unsafe on  XXXX   XXXX    XXXX    XXXX  so out of desperation I accepted the first deal that I thought made sense. I have had trouble getting in contact with a customer service agent and even logging to make a payment. I was able to login today and make a payment and I plan to pay this off by the interest deferment deadline. However, right sizing the account has been a chore. And has lead to late fees and pre interest compounding. Can someone please contact me and consider the reversal of the late charges and finance charges that I have accumulated inadvertently? Please help me right sze this sinking ship.
Consumer complaint received 2023-08-01
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. (GA)

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I ordered 2 items from XXXX I thought these items were tried and true items which are free for doing surveys but XXXX charged my Capital One credit card XXXX. I have talked to XXXX and Capital One and they both say the other one is responsible for the refund meaning XXXX says to contact Capital One and Capital One says to contact XXXX  we have been doing this for about 3 months This was XX/XX/2022.
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.