davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

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 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (CA)

US Bank sent me a letter stating they were reducing my credit card limit from {$5000.00} to {$500.00} because of these reasons : my score was XXXX, length of accounts is too short, too few joint accounts, too many open revolving accounts and too many inquiries. 

My credit score is almost XXXX points higher as of XX/XX/XXXX. So that is not a valid reason to reduce my credit limit by 90 %. I have had credit cards for around 2 years. This is because I lived in another country until XXXX. I have a green card and had to establish myself before I could qualify for a credit card. This feels like I'm being discriminated against for being an immigrant. As for too few joint accounts, I'm not married which is why I don't have any. Is it legal to discriminate against someone for not being married? I was not aware there were any laws that required you to have a spouse in order to get a credit card. I'm not sure why they say I have too many revolving accounts as I only have three credit cards and that is much less than most people do. The too many inquiries thing seems odd as well. I have been trying to purchase a new car, which I was finally able to do. I should not be discriminated against for trying to find the best rate. 

The card is currently paid in full as well. I have never gone over the limit either. 

I would like the card reinstated to the {$5000.00} limit they originally gave me. I don't feel it's fair to discriminate against me because I am an unmarried female immigrant.
Consumer complaint received 2022-04-22
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2019-12-11
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. (AZ)

I am a victim of identity theft. I have tried over and over to have these accounts removed from my credit report. I have submitted all of the required information and yet Experian refuses to cooperate. This has been a financial burden on me and has been detrimental to my living situation. After finding out that someone had been using my information I filed an FTC report, which Experian received, and closed my account. My kids and I are now living with a family friend until I can fix this situation and move into a new home.

They are the only credit bureau not cooperating with the law.
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (CA)

Close to 30 fraudulent Telechecks ( fane check numbers, fake business names ) have appeared in my Checking Account from XX/XX/XXXX - till XX/XX/XXXX. 

It appears that has someone stolen my check routing number and account number. 

On XX/XX/XXXX I have closed that account and using Lost/Stolen XXXX XXXX account transfer - new account was created. 

On XX/XX/XXXX Fraud Party tried to still additional 3 Telechecks funds using same fake business name from my old and now closed account. Since account was closed - I lost no funds. And Frau Part was not paid. 

However, that FRAUD PARTY was unhappy about that - and they used TRS Recovery Services , Inc., located at XXXX XXXX XXXX XXXX, XXXX GA XXXX, to cooperate with them! So, without ANY checking, TRS have send to me 3 Notices of Unpaid Electronic Fund Transfer, trying complete this theft attempt by that Fraudulent Party! What a brazen arrogance!! 

-TRS Reference # XXXX ( TRS wants to collect {$24.00} in fraudulent Telecheck ) TRS Reference # XXXX ( TRS wants to collect {$19.00} in fraudulent Telecheck ) TRS Reference # XXXX ( TRS wants to collect {$37.00} in fraudulent Telecheck ). 

When I called TRS and let them know it was a fraudulent transaction to against closed bank account, they refused to stop Notices unless I write down the routing number, account number, and my SS Number and fax them to them! Really??? Fax such data to complete strangers so my data can be compromised again?? When I called them at XXXX, and selected # 4 for fraud - there is NO operator there! Recording insist on faxing to them the data I listed above. Unbelievable. 

TRS is now actively assisting in this fraud and they are NOT willing to start their own investigation following my 3 calls telling them it is fraud! I was forced to file a Police Report as I have no idea what else I can do. XXXX XXXX advised that this type of fraudulent collections are outside of their responsibility.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (FL)

Southern Management System reported that I had {$4700.00} in collections and placed it on my credit report. They never sent me a bill prior to me contacting them and asking them where did they get {$4700.00} balance from. In response to my letter, they sent me a bill for the amount {$2900.00} and said that they would have all three credit bureaus update the amount. I wrote them a letter trying to clarify inaccurate items in their letter. They retaliating by notifying all three bureaus to report {$4700.00} on my report instead. I will enclose documents to support my complaint.I have sent them several communications trying to find out where they are getting there amounts from and they are evasive. 

The original creditor is XXXX on XXXX XXXX and they have lied on the paperwork that they gave Southern Management but that's a different story. Southern Management is trying to collect {$4700.00} when XXXX gave them an amount of {$2900.00}. It is incorrect also, but it not the {$4700.00} that Southern Management is unlawfully reporting and trying to collect. Southern Management is trying to pad the bill as evidenced by my most recent look at my credit report.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

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 2023-03-20
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. (MA)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX, has violated my rights.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Affiliates Management Company (CA)

I received this Atira gift card as a XXXX  Debit card {$50.00} and held onto it to save for a special trip. When I called the company I find out the company charged me {$2.00} each month after a 12 month period so there is NO money left on the card. Even though the card says Good thru XX/XX/27. It costs the company nothing while Im not using it. This is just under handed theft to me. They said sorry nothing we can do. 

Your instructions say dont share any account numbers so Ill wait to hear from you to send the card number
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with PORTFOLIO RECOV ASSOC that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX XXXX XXXXT with XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX XXXX XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.
Consumer complaint received 2023-02-25
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. (TX)

In accordance with the fair credit reporting act ; Companies Name & account Number XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ; Hard Inquiry Filling date XX/XX/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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (TN)

I am a victim of identity theft. US Bank opened a credit card account in my name without my consent. I have sent this company multiple police reports as well as affidavits of identity theft. I have also disputed the debt numerous times with the credit reporting agencies. The company still places the fraudulent account on my credit report. I have requested contracts with my signature and etc. to serve as proof that I indeed did opened an account and they continue ignore me and my requests.
Consumer complaint received 2019-12-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: American Elite Recovery, LLC (NJ)

I was contacted by American Elite Recovery around XX/XX/2019. They informed me that I had a {$500.00} debt to a XXXX, payday loan company that was outstanding.

I told them I was unaware of this.

I agreed to pay {$75.00} via my debit card over the phone that day. Then setup payment arrangements for {$150.00} approx over 2 more payments until the amount was satisfied in full.

I called them back to ask for some verification of the debt. When I did they got nasty with me.

They would not give me their address to request in writing proof of the debt or any notification.

They told me if I do not pay this debt of a remaining {$420.00} that they would send a police officer to my house and I would be arrested and go to jail. 

When I simply asked for some verification of this debt and the company, American Elite Recovery, they told me that my " wishes would be granted and they would now see me in court and I would spend XXXX in jail and I would not see my Son for XXXX because I will be in jail ''. 

I find this strange over a {$420.00} debt being owed. I have never received any notifications in the mail. Or via any sort of proof of owing this debt.

There are NO phone numbers to contact timelypayday.com I have looked all over the internet trying to find a contact number for this supposed " original creditor '' This needs to be resolved somehow please.
Consumer complaint received 2022-04-22
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. (FL)

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 U.S.C 1681 : XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX, Account # XXXX Enhanced XXXX XXXX XXXX Account # 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any 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 2019-12-11
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. (TX)

I received a promotion offer for United Club Mileage Plus card from Chase Bank. The offer stated, " Enjoy a {$0.00} introductory annual fee for the first year, then {$450.00}. annually after the first year. '' A weblink was provided in the mailer : Apply at MPClubCard.com/smart, by XX/XX/XXXX. On XX/XX/XXXX., I entered the stated link in my browser and proceeded to apply for the Mileage Plus Club Card and was instantly approved. 

On XX/XX/XXXX, when checking my account balance, a {$450.00}. fee had been billed. I called Chase Customer service and spoke to someone who told me that promotion had never been offered ; however, the card I had would award XXXX reward miles if I spent {$3000.00} in the first 3 months of holding the card. I do not want or need XXXX reward miles. That is not what I signed up for. I then was transferred to a manager, who repeated the same thing without offering to resolve. She told me my complaint would need to be researched. I began communicating with Chase via the Chase secured email. I provided pictures of the mailer along with the website used and my name on the offer with the offer code. See attached files. Chase informed me this promotion was not available, yet, when checking the United Promotions site, it is, in fact still available as of XX/XX/2019. Even after providing pictures of the promo and the link, Chase refused to honor the offer for which I applied.

I don't understand why Chase is not willing to work with me. My credit rating is in the 700 's, I have 3 cards with Chase, 2 Savings accounts, a checking account and my mortgage. Chase is willing to work with those who are unable to make timely payments, lower interest rates and waive late fees, yet they are unwilling to honor the promotion they offered me. We are talking {$450.00}.