davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

According to this invoice I was charge twice for the month of XXXX and a reletting fee. The amount owed is incorrect/fraudulent and would like National Credit Systems , I to remove this collection from all three credit bureaus XXXX, XXXX, and XXXX XXXX XXXX 

The amount and dates Im referring to is XX/XX/2019 for {$890.00} and XX/XX/2019 for {$890.00} plus the reletting fee {$760.00} on XX/XX/2019, also showing a balance of {$940.00} XX/XX/2019. 

Under state rental law a leasing property can not charge rent twice in one month and a reletting fee. 

Furthermore, the amount of {$35.00} were added for XXXX XXXX, and {$25.00} for XXXX XXXX which should have not been billed because the reletting fee of {$760.00}. 

Reletting Expenses means all costs and expenses incurred by Landlord in connection with the reletting of the Premises following a default by Tenant, including, without limitation, the expenses of obtaining possession of the Premises, the costs of cleaning, renovation, and repairs.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (VA)

Experian requires one to establish an account to access the legally mandated free credit reports previously accessible through the web without an account. I am now getting multiple marketing emails per day to upsell their services - " dark web scans, credit alerts, financial profile, etc. etc. '' There is NO way to opt out of these blatant marketing emails- in the emails Experian says that I will continue to receive emails " like this one about the status of my account. '' These are not account status emails. My account has not changed, I am not interested in the upselling, this is an obvious attempt to get around opt out policies, and people with less awareness about what is happening are going to fall prey to this company 's tactics. Please request that they fix this... 

Here is the quote from the emails : " You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. '' And here is the subject of the same email : '' xxx, your Dark Web scan is available ''
Consumer complaint received 2023-06-23
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. (MO)

I check my credit report every 30 days and i've noticed that there were unknown inquiries on my credit report listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX # XXXX opened XX/XX/20XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-05-30
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: KLS Financial Services, Inc (NC)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-05-30
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 consent. 

XXXX saw this error and deleted the accounts in XX/XX/2020!
Consumer complaint received 2022-05-30
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. (NC)

There are multiple inquiries on my account that I did not authorize. I should only have XXXX from XXXX as that is the only account I have.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On the evening of XX/XX/2019 my credit and debit cards were stolen from my wallet out of the locked locker at my local gym. I realized this on my way home when I began receiving fraud alerts on my phone from the various card companies. I answered each fraud alert and cancelled the cards one by one. The thief managed to charge almost {$5000.00} worth of merchandise on one card, which the card company ( XXXX ) quickly rectified. My XXXX credit card, XXXX XXXX XXXX debit card and HSBC debit card were all used or attempted to be used. XXXX and XXXX XXXX XXXX quickly wiped out any fraudulent charges. I made a police report at the XXXX XXXX in XXXX County on the morning of XX/XX/XXXX. 

HSBC, despite sending me fraud alerts that something was amiss, cleared one charge, but not another transacted at the very same time for {$510.00}. I filed their Fraud Claim Report with them by mail as requested. They claimed they did not receive it. I then faxed it to the number given to me by one of the representatives in their Security & Fraud Risk Department, along with the evidence I will attach here. Repeated calls to the Fraud Department have been met with the same questions regarding the incident and promises to address the charge within 48 hours. 

I have also included an online chat with a representative who promises the funds would be duly credited. The risk officer assigned to my case is named XXXX XXXX at XXXX. Apparently it was this person who claimed the charge was authorized when it clearly was not. I have repeatedly requested a call back from Mr. XXXX. I have yet to receive one a month after the incident, and my account is still debited.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report.I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations.

Below are the violations reported : 1 ) Delinqu
ent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws.

2 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy. 

3 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

4 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

5 ) The payment history reported is incomplete.
Consumer complaint received 2022-12-18
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, Collection # XXXX, Collection # XXXX, Collection # XXXX, Collection # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, and XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. : States consumer report must be 100 % accurate. 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 and 15 U.S.C 1681 Section 605 A 1.

See Attachment of Proof of Inaccurate Information YOU HAVE 4 DAYS FOR DATE OF RECEIPT TO DELETE INFORMATION.
Consumer complaint received 2021-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SUNRISE CREDIT SERVICES, INC (GA)

I was told by my Bank Lender to ask for a letter stating that the debt payment had been DELETED. 
I was told the letter would state that the debt would be deleted. The letter simply stated that the debt had been paid in full. Once the funds clear, your account will be considered closed. 
But, nothing stating deletion. When I called the Rep said they would not do a deletion. 
Once the deletion is stated in writing my credit status would return to where it previously was. 
Thank you, XXXX XXXX
Consumer complaint received 2022-05-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (AZ)

My personal information is being used by someone else, lost all my legal documentation and I'm paying the consequences of purchases I never made on my credit and didn't find out till I tried to finance a car. Car was stolen a few months after that loan was made.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OK)

In XX/XX/XXXX, a credit card with number ending XXXX was opened fraudulently in my name. This was discovered approximately XX/XX/XXXX, based on a collections letter received from a third party collection agency, XXXX. XXXX was contacted via telephone ; the credit card from a pre-approved letter that was sent back to them from an old address. A police report was filed promptly, XXXX said they would close the account. The delinquent reporting was removed from my credit report. Approximately XX/XX/XXXX, a third party collection agency, XXXX, contacted me stating they had purchased my debt. I sent a letter disputing the debt and asking for additional information about the source of the debt. I also sent in copies of the previous police report, a new police report filed on XX/XX/XXXX, copies of correspondence with XXXX and the original debt collector, and detailed information about my residency. Hearing nothing, I sent two additional copies over the span of three weeks, with the third version requesting return receipt and priority delivery. A third party sent a response stating they purchased the debt and included a single line from an XXXX spreadsheet as proof of the debt. I disputed their proof and filed an FDCPA complaint. The third party removed the credit reporting, but refused to cancel the debt. I sent a response along with the FDCPA complaint, attempted to file a claim as a member of a class action lawsuit, and filed an additional lawsuit which was dropped after a settlement with the third party. About one month ago, I received a communication from Midland Credit Management that falsely, deceptively and/or misleadingly represented themselves in the collection of a cancelled credit card balance derived from fraud and identity theft. Additionally, Midland Credit Management used unfair and unconscionable means to attempt to collect a debt derived from fraud or identity theft. Specifically, the communication offered a settlement on the fraudulent debt, offering a savings on the debt, without stating that there would be tax implications for the " savings '' nor mentioning that making any payment whatsoever on the fraudulent debt would allow additional negative reporting for up to an additional seven years. Having not been disputing this debt for the last 9 years, a lesser sophisticated consumer would not be aware of the negative ramifications of working with Midland Credit Management on this old, discharged, fraudulent debt. I feel this communication, much like the previous communication with the other third party collection agency, violates 15 U.S.C. 1692e of the FDCPA.
Consumer complaint received 2022-06-20
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. (AZ)

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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX XXXX, has violated my rights. 
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 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 2022-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/22, I received a text message asking if I had authorized a XXXX  transfer of {$3500.00}. I answered NO. I then received a call from the Bank of America customer service line alerting me that there was fraud suspected on my account and in order to cancel out this transaction I would have to XXXX {$3500.00} to my own phone number. I did this ( where it worked on/off ) until XX/XX/22 for a total of {$14000.00}. I then called Bank of America on my own and they told me that this is a scam they have often seen and that I have been sending money to scammers the whole time. Im not sure I will get the funds back because the funds were technically authorized by me.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My credit card was turned off immediately after I called Capital One to ask for help to dispute charges and simultaneously updated address also. This caused the great inconvenience, as they suspected I was a scammer, and after calling card company I was told my card was turned off because another card was sent out to me since the card I was using was about to expire. I called in to Capital One over a period of 3 days and spoke with eight different people and there was no tangible compensation they could do to me for the inconvenience of immediately shutting off my card and asking me to wait 7 business days for a card to be mailed out to me. 
There needs to be a better system in place that even if fraud is suspected that it can be verified by the card owner. The card that was mailed the new card that was mailed to me was even returned since I was no longer at that address. I was even told by one person I spoke to that maybe I could get {$100.00} credit. And then another person told me that there's no credit at all they can give. I spoke with a XXXX, XXXX and XXXX. I was given the run around, transferred without resolution. First call was placed XX/XX/XXXX.
Consumer complaint received 2023-10-17
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB XXXX XXXX To who it may concern, There was a breach with the Office of Motor Vehicles and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

I am Requesting all these inquiries be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Payment ID : XXXX @ Recipient : XXXX XXXX Transaction Date : XX/XX/2022 Token : XXXX XX/XX/2022, I received a call from US Bank ( the caller I.D . on my phone stated US Bank ). The person who called stated he was a representative from US Bank and that my account had been compromised. He know my name and account information. He stated that {$3000.00} was stolen out of my account. The only method to retrieving the money was to complete XXXX XXXX payments. I agreed to do so, but when I did the first {$1000.00} the money was subtracted from my account and not added back to my account. I hang up and called US Bank back immediately. I waited on hold for about an hour. Eventually, I contact a manager and he stated that other customers had experienced the same thievery. I filed XXXX complaints file alert XXXXwith US Bank. XX/XX/2022, I received a letter that they both were denied. After my claim was denied, I closed all my accounts with US Bank. I was a loyal customer for over 10 years and never had any problems. I am requesting that US Bank returned the {$1000.00} stolen from my account.
Consumer complaint received 2023-02-21
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. (NC)

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.