davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (AR)

XX/XX/XXXX, A phone call was placed to LTD Financial Services in dispute of a debt collection in amount of {$13000.00}. Representative stated that all my information matched and said that the account is with XXXX XXXX or XXXX. I asked Representative how they obtained my current address and they stated, It was on the application when you applied back in XXXX. I did not live at this current address during XXXX so that is false. I asked representative in regards to this account who was I supposed to pay. Representative states You pay us, So how much are you going to pay on the account today. I answered Nothing. I ask Rep for a copy of the recorded phone call and he replies We dont give copies etc. Representative then states well we have to get the information to prove this is your account, we shave to establish that this is actually your account. Representative said this was for an auto XXXX in which, I do not have. Call ended.
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (FL)

National Credit Systems INC I have received all of the documents from National Credit Systems INC regarding an account that has shown up on my credit report. 

Attached are discrepancies supporting my observations. 

In accordance with the Fair Credit Reporting Act ( FCRA ), consumers have the right to review their credit reports transparently, protecting them from inaccurate reporting and unfair debt collection practices. 

XXXX. Discrepancy in Dates : Conflicting dates between the Security Deposit statement and the signed Apartment Lease agreement raise doubts and may violate consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ) and FCRA. Clarification is necessary for fair treatment.

2. Discrepancy in Amount : National Credit Systems provided inaccurate debt information, potentially violating the FDCPA. Fees imposed should be lawful and disclosed, as per Section 808 of the FDCPA. The discrepancy in charges must be addressed.
Consumer complaint received 2022-04-20
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. (NJ)

I had a hard inquiry on my transition credit report dating XX/XX/2022. For a XXXX XXXX. 

This was not authorized. 

I only have 2 credit cards. And have made no recent inquiries. 

I have reached out to them and have not gotten a return call since XX/XX/2022. XXXX. 

Please advise.
Consumer complaint received 2022-04-20
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 Account # US bankruptcy XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXXs XXXX, XXXX XXXXy XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX has violated my right alsXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX 

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1681 section 602A states that I have the right to privacy.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I attempted to pay my credit card with my primary checking account. Instead of billing me {$580.00} one time, the bank billed me 4 times!!!! I protested and they did nothing. I am attaching a ridiculous letter they sent me after I called dozens and dozens of times arguing the fact. I paid this 4 times. They credited me back 2 times. They owe me one more credit for this charade. They actually had the nerve to say oh, we credited you back too many times, so you have to pay a 4th time!!! This whole thing is absurd. I only owed them {$580.00} on my credit card 1 time. They took {$580.00} 4 times!!!! It messed up my finances as well as all the fraud that was involved in previous complaints. I am only speaking on one issue. However, there are so many more. This bank is so fraudulent. They literally have employees that hang up on you if they don't want to address the bank stealing your money. There is no accountability with this bank. If you ask for the employees I.D . # you still can't hold them accountable, and they will tell you that they don't have to give it to you which they did on multiple occasions!!! They refuse to be accountable or provide any proof. They had the nerve to send this absurd document to me in the mail which shows their shady business and unprofessional unethical behavior.
Consumer complaint received 2024-03-13
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. (MI)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XX/XX/year>
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING  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 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  ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-12
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. (NV)

I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. I do not have a contract with XXXX XXXX XXXXXXXX. They did provide me with the original contract as I requested. I do not have a contract with NCA.The did not provide me with the original contract as I requested.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Recovery and Collections, Inc. (NV)

An attorney named XXXX XXXX XXXX located in XXXX XXXX, purchased my debt from Sentry Recovery. He sent a summons to sue me for the debt. I obtained an attorney, who has reached out many times attempting to settle out of court. Before obtaining an attorney, I also tried to get in contact with this attorney to see what could be done, and he has never returned any of our phone calls, including those from my attorney. The balance of my debt increases every month, and we can not get ahold of the attorney to discuss options. Based on reviews online and from others we have spoken too, he never answers the phone calls in hopes you will owe him the settlement amount against you from court. This cant be legal, and while it isnt repeatedly calling, a direct attempt of screening phone calls to prevent someone from paying their debt should be. Thank you.
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (WA)

On XX/XX/XXXX a balance transfer was initiated with XXXX XXXX credit card which is owned by Barclays Bank. A request was submitted to transfer {$3000.00} to a XXXX XXXX credit card account to take advantage of a zero percent interest offer made by Barclays Bank. The funds posted to the Barclays account as being transferred, but never made it to the XXXX XXXX account. An investigation was started at Barclays Bank on XX/XX/2019 ( Case # XXXX ). No corrections were made to the account and a second call was placed to Barclays on XX/XX/2019. Barclays advised they would escalate the investigation and gave the same case # as reference for their investigation. No corrections or contact has been made again, so a third contact was made on XX/XX/2019. The Operator on the call that day ( Oper ID # XXXX ) advised the case would again be escalated. When asked to speak with a supervisor the operator advised none were available to take the call. She also advised the issue would be resolved in 24-48 hours. Another call was made today ( XX/XX/2019 ) and still no resolution. Spoke with two separate supervisors ( XXXX and XXXX ). Between calls with them, contact was made with XXXX XXXX customer service to see if they could help in any way. XXXX XXXX requested information on what account number the transfer had been sent to, how the transfer was sent ( check or electronic transfer ), and the date when the transfer 'cleared '. The representative from Barclays ( XXXX ) was only able to say that the 'back office ' was handling this and to give them another 7-10 business days before calling back again. It is completely UNACCEPTABLE that Barclays Bank ( XXXX ) is unable to confirm where this money has been sent after more than 6 weeks and multiple calls to them. Also contacted XXXX XXXX again and they advised no investigation can be opened on their side to locate the funds even with the information gathered ( the transfer was electronic, it 'probably ' cleared on XX/XX/2019 - but this can't be confirmed because they won't look up the account number that Barclays shows the funds were transferred to ). Because funds are not in my account they will not open any investigation to find the funds and continued to refer me back to Barclays Bank. 

Please advise what else can be done to fix this issue as neither bank is providing service to locate the missing funds!!
Consumer complaint received 2022-04-20
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-20
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-20
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. (CA)

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX , has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-01-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc. (GA)

This is connected to previous complaint submitted on XXXX XXXX, 2015, case # : XXXX. In the previous complaint, I stated XXXX XXXX claims that I owe him money on a debt. I do not owe him any money. After he was contacted XXXX, he sent me a letter stating he was attempting to make a collection on behalf of XXXX XXXX XXXX in XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX around XXXX XXXX, 2015 and inquired about any debt I may have owed them. XXXX XXXX XXXX performed what they called a " thorough check '' and did not find any thing that indicated that I owed them money ; that there was NOTHING NEGATIVE AT ALL on my account/record with the credit union. I was told by XXXX XXXX XXXX that they could only conclude that I was being scamed, as they had no connection with anyone named Dyke O'Neal. 

If this is true, why is this man contacting me? He is sending mail to me suggesting that he is willing to settle for a lesser amount to collect the debt in an effort to assist me. I have no intention of giving this man any money and would like to have assistance in getting him to leave me and my family alone. As I stated in the previous complaint, he has been calling my family members as well. 

Additionally, since I made the initial complaint, I have been gettig even more calls with a XXXX area code from Missouri. I get these calls all hours of the night and the day and they are coming over my cell phone which also has a XXXX area code from Missouri. I do not believe this is a coincidence.
Consumer complaint received 2023-06-29
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. (VA)

I reported an issue with Equifax on XX/XX/XXXX, one of the many issues is that EQUIFAX will send me a copy of my report but has yet to unfreeze my credit report online. This is the XXXX request. Each time I contact Equifax I am told it takes several months to lift the freeze. I removed the freeze on XX/XX/XXXX and still can not have my mortgage lender obtain my credit report. I have missed several opportunities to purchase a home because Equifax will not correct the issue on the system. It should not take XXXX  months to lift a credit freeze. I entered the dates I need but the credit report remains locked. Once the timeframe expires it resets back to freezing the credit report again. My compliant is to correct this and not keep sending paper reports as my lenders need access to my credit file.
Consumer complaint received 2023-06-29
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)

It is crucial that you promptly eliminate this incorrect account from my record. I urge you to thoroughly investigate this matter and take the necessary steps to rectify this error as soon as possible. Your immediate attention to this issue is greatly appreciated.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CO)

My husband received his taxes and sent me XXXX to get my rent paid. As soon as the money hit my Venmo account, they froze it. I've been emailing them every day more then once a day. And I don't get any answers from them. And because of it, my daughter and I are XXXX now. I honestly think they are keeping my money, but not because I did anything wrong.
Consumer complaint received 2023-06-29
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. (WI)

Account name : XXXX XXXX In accordance with the Fair Credit Reporting act 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 2022-04-20
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)

XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX, XXXX XXXX Dear TRANSUNION, I have recently reviewed my credit report and found unauthorized inquires. 

I contacted the below creditors and they have NO proof that I initiated such inquires, nor written authorization and have failed to provide any PERMISSIBLE PURPOSE. Since they dont have my authorization, written nor verbal I demand that you DELETE these unauthorized inquiries from my credit report IMMEDIATELY as there is no evidence of any authorization, nor any PERMISSIBLE PURPOSE. 

Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 USC 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : 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 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I am the NATURAL LIVING PERSON and have submitted this request on my own so please dont try to stall my request. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-02-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: OPORTUN FINANCIAL CORPORATION (TX)

Opened the loan on XX/XX/XXXX2016 and i been trying to pay the little i can when i can due to financial problems and they sent me a letter in the mail stating that they would soon be calling me to court
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX