davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
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: BARCLAYS BANK DELAWARE (PA)

I called Barclays to dispute a charge on my card. The rep told me that he would have to cancel the card. I told him that I did not recognize the name of the vendor and that I needed more information. He refused to give it to me and also refused to reverse the charge unless I cancelled my card. Barclays fraud detection should have picked this up. I was out of the country when the charge was made.
Consumer complaint received 2022-12-30
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. (TN)

Credit inquiry placed on credit file from XXXX XXXX XXXX XXXX, fraudulent credit inquiry in an attempt to get a credit card on XX/XX/22
Consumer complaint received 2023-12-23
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. (PA)

I have inquiries on my credit reports Inquiries XXXX. XXXXXXXX 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I looked over my credit report today XX/XX/2024, and I have noticed some things are inaccurate. According to the fair credit reporting act, when a consumer reporting agency prepares a consumer report, it should follow all the proper steps to ensure the maximum possible accuracy for the information that is being reported for that individual. This XXXX XXXX with account # XXXX is not complete and it is also inaccurate. According to the 15 USC 1682 s 2A, 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 the information is inaccurate. Please see my attach files showing inaccuracy on my consumer report.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NJ)

XXXX XXXX does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX XXXX ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. XXXX advised that they has since ceased collection in their office. Which is a fraudulent statement because it is still showing on my credit report for Equifax. This is a violation of my rights. XXXX has my information without the proper rights to have it. Please investigate XXXX for it's fraudulent activity in regard to fees waived by XXXX as they have unethical practices and have access to consumers social security numbers and personal information without the rights to have it. This should be made public and investigated. Equifax needs to remove this account right away. XXXX XXXX advised that they would cease collections but I am having to continuously dispute something I do not owe and they continue to report to the credit agencies in an attempt to collect which is contradicting what they said they would do. Furthermore all the information including dates are accurate. If this continues to be on my credit report I would like Equifax, XXXX XXXX XXXX and XXXX investigated for unethical practices with the Attorney General 's Office, Governor 's office, CFPB, FCC, FTC, Department of Justice, XXXX, news, XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (GA)

I have been harassed by Jefferson Capital for over a year now. Dozens of times I have disputed with the credit bureaus to no avail. Jefferson Capital does not do any sort of research except send the same story back stating that this " debt is valid '' They are saying that I owe a debt and this debt was sold to them by a company. I have no idea what company or what this debt is, and I do not owe it. I have never seen anything other than dozens of letters from Jefferson Capital demanding payment and then threatening civil action. This has crushed my credit score as well. Recently, I have received over 15 letters from local attorneys in the area asking to represent me since I am apparently being " sued '' in civil court in the county I live in, once again for a debt I have no knowledge of and one I do not owe. Since I was getting nowhere with the credit bureaus, I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX sent my complaint to Jefferson Capital, where once again they did not do any sort of research into anything or supply me with any sort of valid paperwork. Instead, they sent a letter stating " our records reflect that the account is currently the subject of a lawsuit Filed on XX/XX/2022, pending in XXXX XXXX XXXX XXXX as case number XXXX. As a result, this matter is beyond the purview of the XXXX  and we request this complaint be dismissed '' For the 20th time, they didn't do anything but ask for a complaint to be dismissed so it wouldn't go on the XXXX  webpage, permitting Jefferson Capital from just continuing to threaten and have actually started legal action against me. 

Today, I received a letter in the mail asking to contact XXXX XXXX XXXX XXXX section to pick up papers I am being served. 

This has to be one of the most predatory Collections practices I have ever seen. 

I now have been sued in local court for a debt I do not owe and have been bombarded by lawyers asking to represent me for this upcoming case. 

I am also being threatened with garnishment of wages. I am a 100 % percent XXXX veteran. I have my XXXX benefits and my XXXX benefits as sources of income and that is it. 
The amount of stress this has added to my life is astounding. Upon research, this appears to be the norm for Jefferson Capital as they are the recipients of dozens of lawsuits for their " collection practices. The complaints have many things in common and this " company '' is disgraceful. Harassment is just what they do.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Someone opened an account at XXXX XXXX on the date of XX/XX/XXXX of the amount of {$2300.00} and a late payment XXXX i will also be filing a FTC report XXXX
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unresolved fraud claim with Bank of America that has been ongoing for over a XXXX. Despite reporting unauthorized transactions totaling XXXX on my account, I have not received a provisional credit during the investigation period as required by Regulation E of the Electronic Fund Transfer Act ( EFTA ). 

Here are the details of my complaint : On XX/XX/2024, I reported several unauthorized transactions on my Bank of America account. 
Bank of America initiated an investigation into the fraud claim, but to date, I have not received any provisional credit for the disputed amount. 
It has been over XXXX XXXX  since I filed the fraud claim, and there has been no resolution or communication regarding the status of my claim. 
I have made XXXX  attempts to contact Bank of America 's customer service and fraud department for updates but have not received satisfactory responses. 
I believe that Bank of America 's failure to provide a provisional credit during the investigation period violates Regulation E, which mandates that consumers be promptly reimbursed for unauthorized transactions pending investigation. 

I respectfully request that the Consumer Financial Protection Bureau intervene on my behalf to expedite the resolution of my fraud claim with Bank of America. I seek prompt reimbursement of the disputed amount and any associated fees or interest incurred during this period.
Consumer complaint received 2023-01-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (GA)

Notice of Dispute Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g, that validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
* The agreement bearing my signature stating that I have agreed to assume the debt * Valid copies of the debt agreement stating the amount of the debt and interest charges * Proof that the Statute of Limitations in GA has not expired.

* Complete payment history on this account along with an accounting of all additional charges being assessed * Proof that you are licensed to collect in my state ; and * Your license numbers and Registered Agent or Agent of Service.

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 

All future communications with me MUST be done in writing via the CFPB. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Consumer complaint received 2022-09-09
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-12-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Website : They are keeping my items at ransom its the day before XXXX they are stating over the phone verbally @ XXXX XXXX  that they are closed when my car was sent to them @ XXXX XXXX in the morning meaning they are open and they are refusing to allow me to get my wallet out of the car mid Atlantic is washing their hands saying they dont deal with them yet they are independent contractors working under them. This is Illegal the towing place hung up on me and they were rude telling me I have to wait till Tuesday to get my wallet
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Synergetic Communication Inc (WY)

i did not even know what this debt collection was about, till i did a research it was a loan to a family member way back in around XXXX or XXXX, they asked me questions like who is my father or is his name so and so, why are they harrassing me for a loan back 13 or 14 years ago and its the first time i received this notice, seems like a very drastic greedy move to me
Consumer complaint received 2022-09-09
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. (WI)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 9. The followng information is incorect XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2023-12-22
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. (UT)

XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX H XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The following personal information is incorrect
Consumer complaint received 2024-04-13
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. (TN)

I am writing to dispute and request verification of a late payment entry on my credit report related to my account with XXXX XXXX. Upon reviewing my credit report, I discovered this inaccurate information, and I am deeply concerned about its impact on my creditworthiness.This information is a late payment being reported on my credit report for the months of XX/XX/2024 Firstly, I request detailed verification of how this late payment was verified, as mandated by the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 611 ( a ) ( 7 ), I demand that you provide me with the method used to verify the late payment, the entity that provided the information, the date of verification, and any supporting documentation or evidence used to justify its accuracy. 

Furthermore, I assert that any information added to my credit report without my written consent violates my rights under the FCRA. FCRA 604 requires that consumer reporting agencies obtain permission before reporting any information about an individual 's creditworthiness. As such, the addition of this late payment without my explicit consent constitutes a violation of my rights. 

Moreover, I want to highlight the illegality of reporting late payments without proper verification and validation. FCRA 607 requires that information reported by credit bureaus be accurate and complete. Additionally, FCRA 623 ( a ) ( 1 ) ( C ) mandates that information furnishers, such as XXXX XXXX, have a duty to provide accurate and complete information to credit reporting agencies. Therefore, any failure to verify the accuracy of late payments before reporting them is a violation of these provisions. 

Furthermore, I want to draw your attention to the potential violations of the Fair Debt Collection Practices Act ( FDCPA ). If this late payment was a result of debt collection efforts, it must comply with the FDCPA, which prohibits unfair, deceptive, and abusive debt collection practices. 

In light of the above violations of federal laws and regulations, I demand that you conduct a thorough investigation into this matter and provide me with a written explanation of the verification process used for the late payment on my account with XXXX XXXX. 

Failure to comply with the FCRA and other relevant laws and regulations, and address my concerns promptly, may result in further legal action. 

Thank you for your attention to this matter. I expect a prompt and thorough response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-09
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. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-12-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (TX)

i was apart of an XXXX data breach settlement and accounts were opened and i would like these accounts removed. 

3 accounts were opened under my name XX/XX/XXXX - {$3300.00} XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$6500.00} I have reached out to the company but this issue has not been resolved
Consumer complaint received 2023-03-03
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00}.