davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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, Account name XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, Account name 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 2022-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc (KS)

I have several times tried to pay by my debit card but failed. Please check your message history. I am agreed to pay online. Please let me know why my paypal acount is limited or withheld. Why unable to pay the due. Again I agree to pay the due online. Please let me know the procedure
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MO)

I submitted on XX/XX/2021 a letter, FTC report, and 15 USC1681c-2 block info. I have an identity theft with an account on my Consumer Report with XXXX Only NATIONAL CREDIT SYSTEMS ( ALLEGED ORGINAL CREDITOR ) XXXX XXXXXXXX XXXX. 

This agency is in violation of 15 USC 1681c-2. A consumer reporting agency should block an remove the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This account is still reporting on my account and they have all of the information that need and its been 6 days since they received the letter.
Consumer complaint received 2021-11-15
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: JPMORGAN CHASE & CO. (OH)

I am a full time student at XXXX XXXX University in XXXX, Ohio. I was diagnosed with XXXX XXXX a few years ago. I got a Chase Freedom Student credit card some time back and have not used it. My bank account is shared with my dad who is retired from XXXX XXXX. He mentioned some time back that he was paying my {$40.00} bank charge from his account every month for the past few years. I didn't think much of that, as I thought it might be the charge for maintaining my account which always hovers nears the minimum. A few days back I called my bank and after I inquired about my credit card, I was told I owe {$1600.00} to them. For what? I don't recall incurring that expense EVER on my credit card. My mom was sad after hearing this from me. I did not tell them that I was going get help from CFPB. 
My parents who love me very much just told me 10 minutes ago that they had paid off the full {$1600.00} shown on my Credit card, from their Social Security payments. My heart broke immediately in hundreds of pieces. I hereby request you to 1 ) coax and ask Chase bank to return {$1600.00} to my mom 's debit card that is also from chase and 2 ) That I SHOULD NOT BE CHARGED ANYTHING EFFECTIVE IMMEDIATELY. As a MATTER OF FACT, I AM REQUESTING THE BANK TO cancel my credit card without any prejudice as I am not XXXX! 3 ) Start investigation into the FRAUD THAT SOMEBODY COMMITTED B Y STEALING THE IN FORMATION ON MY CARD AND Get those crooks to pay the retribution for causing financial hardship to an innocent and vulnerable student. That's all! Thanks and hoping for a fair and quick resolution.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (MD)

I have a {$25.00} girt card and I have not used it. The card expired after 1 year. I called to get a new card issued for {$25.00} and they informed me that I am not entitled to a new card as once it expries after the first year that all funds are surrendered back to Amex...
Consumer complaint received 2022-05-20
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. (GA)

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 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 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-15
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: American Cycle Finance, Inc. (IL)

I financed a motorcycle with american cycle finace on XX/XX/XXXX and made payments until XX/XX/XXXX. At that time the vehicle was refinaced by XXXX XXXX XXXX XXXX. I just paid off the loan thru XXXX XXXX XXXX XXXX. but the original loan was paid off to american cycle finance XX/XX/XXXX I talked to both banks and XXXX XXXX never recieved title from amerincyce finace. XXXX XXXX  was never on the title of the loan. only myself and american cycle finance. I have been requesting the title from amaercan cycle finance for years with no efford for them top sent or replace it. Ther is an XXXX fee to aquire a title that i never had in my possesion. I request that amaerican cycle finace replace the title to the motor cycle or pay the fee to have it replaced. the motor cycle is a XXXX XXXX XXXX and i have attached payment history. I never ever had the title.. 

XXXX XXXX XXXX VIN : XXXX | Account # : XXXX
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (NY)

At this time I am writing to you because your ongoing harassment regarding a payment you say you did not receive has got to stop. I turned my XXXX XXXX XXXX in in XXXX of XXXX. The last payment that I had to make was XX/XX/XXXX since I leased a new vehicle at the beginning of XX/XX/XXXX, it is this payment you have accused me of not paying. I have attempted to rectify this error with documentation from the Financial Institution by way of statements that showed the monies removed from my account. Your refusal to accept that is unacceptable. 
With that documentation you have refused to accept it and sent my account to a collection agency. Well today I have the last laugh on you, as you will have seen attached with this letter is a official letter from the financial institution acknowledging the funds were taken from my account and given to your company. 

How exactly is a payment that is due on the first of every month, say XX/XX/XXXX, and pay say XX/XX/XXXX delinquent? 
XX/XX/XXXX To whom it may concern Follow up letter from XXXX XXXX. After speaking with XXXX this morning, I realized how incompetent your staff really is. If anyone of them took a moment to look over the statements for my XXXX XXXX, and XXXXXXXX XXXX they would have seen that the statements clearly indicate that the monthly payments were due the FIRST OF THE MONTH, NOT the end of the month. Which means my XXXX payment which was due on XX/XX/XXXX, was paid XX/XX/XXXX and the last time I checked XX/XX/XXXX comes before XXXX XXXX. 
This means that my XXXX payment was made FOUR DAYS EARLY. Sadly, since your incompetence has caused me damage in the report of a delinquent payment you have forced my hand two follow through with several threats.

First after having purchased 1 XXXX XXXX, and leasing four additional XXXX Vehicles my family will no longer deal with your unscrupulous company. 
Secondly, the first letter I sent you, along with the bank document along with this document will be sent to the credit reporting agencies, along with the Attorney Generals office.

Your employees incompetence was not my problem till you fraudulently reported a NON-EXISTANT DELINQENT PAYMENT. You should have done your homework. If you had you would have seen your error since my payments were all due on the FIRST of EVERY MONTH, and your company CHOSE THAT DATE.
Consumer complaint received 2019-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently discovered a large amount of fraudulent information on my credit report. Private information of mine was obtained I recent and past worldwide date breaches and my identity was stolen and used to open fraudulent accounts. Please remove this fraudulent information.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

THE COMPANY, ENHANCED RECOVERY COMPANY LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.
Consumer complaint received 2022-05-20
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. (GA)

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 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 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (KY)

I have had a card with U S Bank for three yr ( or longer ) and never missed a payment plus I am not over limit never have been and I recently have had some problems so my credit is lower I am working diligently to get all my cards paid and never miss payment. U S Bank decided to jack my interest rate to 23.74 % because they ran a recent credit report. The reality is they are screwing the consumer and with this interest rate I can never climb this mountain and get them paid. This is usery. If they want to help someone like me they could but this is just XXXX the little guy when he is down. I had two cards wsith them Both had never had late payment or been over limit. The cut the limit on the other which negatively impacted my credit score because it affected by utilization percent and now they have done this.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had my identity stolen and a lot of my credit information at XXXX and XXXX still reflects information from the person who stole my identity ( including the verification questions, which makes it very difficult to answer the identifying questions online as they are reflective of the person that stole my identity, and not me. ) I would like the information removed and the verification questions made accurate.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

In 2019, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/2019 I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.
Consumer complaint received 2019-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* XX/XX/XXXX RE : 2nd Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries have been made. 
I contacted the sources of each of these inquiries who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX , XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX*
Consumer complaint received 2024-04-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (CA)

During XXXX I used Affirm to make purchases from XXXX, and my payments to Affirm were both automatically taken out of my bank account, or paid by me on their website. In XX/XX/year> I received a letter from them telling me " I was all paid up '' and had completely paid off my account. Subsequently I began getting notifications from Affirm that I had an outstanding balance of over {$500.00}. I contacted Affirm, completed their online " fraudulant '' loan activity, but did not get a response. Upon calling them I was told they were looking into the matter and I should ignore the repeated emails they sent about the outstanding debt. Eventually, the matter was sent to a debt collection agency, XXXX, who completed an investigation and informed me that they were not going to pursue the matter based upon what Affirm had sent me in terms of paying off the loan. 
Affirm is contuning to send me emails and has reported this matter to various credit reporting agencies, while still sending me notifications that I have an outstanding debt, which I do not believe I have, considering that Affirm told me I had satisfied the loan.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AZ)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.