davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (SC)

NATIONAL CREDIT ADJUSTMENT KEEPS TRYING TO COLLECT ON DEBT THAT IS PAST MY STATES STATUE OF LIMITATIONS ALSO THE WAY THEY REPORT MY FILE IS INACCURATE THEY SHOW MY BALANCE ON THIS ACCOUNT IS {$820.00} THEN SHOW I AM PAST DUE {$820.00} THAT MAKES MY CREDIT TO DEBT RATION REPORT INACCURATE AND ALSO ON XXXX  THE ACCOUNTS DATE OF LAST ACTIVITY SAYS XX/XX/2015 HOW CAN THAT BE IF THEY PURCHASED THIS ACCOUNT IN XX/XX/2015 HOW CAN THEY REPORT A DATE OF LAST ACTIVITY THAT EXIST BEFORE THEY PURCAHSE THE ACCOUNT? / PLEASE REMOVE
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My debit card was stolen and used by an individual that I knew well multiple times. I reported this to Capital One when I first discovered it in XXXX of 2019. They took my information and over a month later denied my claim for the amount stolen, {$2900.00}. I asked them to send me the information from the investigation. They sent pictures of the person using my ATM Card, and pictures of me using the card on different days. They refused to let me appeal. a month or 2 later, the same individual got my credit and debit card account information and stole even more money from me. I asked capital one to not allow my accounts to be used at all, and they refused. My new credit cards were shared with various merchants, which allowed this individual to get the new information and keep stealing from me. They paid my claims the second time. I asked for the investigation information, and they refused to give it to me. Meanwhile this person was stalking me, broke into my house, and was continuing to try to use the cancelled cards, which caused repeated emails to be sent to me, and opening various accounts on the internet with my information. I could not get this to stop until I closed my checking, savings, and credit card accounts. This caused a huge problem because I had several accounts on autopay, and even when I paid those accounts on time with a new account ( which took 1-2 weeks to fully set up ), I was charged NSF fees simply because the account was closed. I asked capital one to cover these since otherwise I could not stop the fraud from continuing, and they said no. I called several more times to try to get the information about the person using my account, and capital one said they could not disclose it to me because it was private. After spending hours contacting various vendors, I was able to get the information and verified that the same person was responsible each time. This person has seen been exposed as a career con artist and defrauded many people as well as imitating wounded warriors charity and receiving several thousand dollars that way. He is now XXXX  on unrelated charges, but capital one has refused to give me any information to bring to the police.
Consumer complaint received 2020-03-21
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. (CA)

I am filing this report because I was at the XXXX dealership today XX/XX/2020 and when they ran my credit to see if I qualified for the car loan I wanted, I was told that I did not get approved because there are two accounts in negative standing as well as several inquiries. I looked through my credit report and those two accounts as well as the inquires do not belong to me and I did not allow anyone to open them in my name. The accounts are from XXXX XXXX and XXXX. I do not have any written/verbal contracts with those companies nor have I ever opened an account with those companies. I did not benefit anything from those accounts and inquiries that were made in my name without my permission such as money, goods, services or any other benefit nor have I ever made any purchases or payments towards any of those accounts. I have already filed a police report as well as a complaint with the consumer financial protection bureau regarding these unauthorized accounts and inquiries.
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SC)

LVNV KEEPS ATTEMPTING TO COLLECT A DEBT NOT OWED THIS DEBT BEGIN ALL THE WAY BACK IN XXXX AND LVNV IS STILL ATTEMPTING TO COLLECT THE DEBT BY WRITING ME AND PLACING THE DEBT ON MY CREDIT REPORT THAT STATUE OF LIMITATIONS IN MY STATE IS 3 YEARS, THIS DEBT COLLECTOR ALSO CLAIMS THAT MY DATE OF LAST ACTIVITY WAS XXXX XXXX DOLA IS BASED OFF WHEN THE ACCOUNT IS SOMEHOW CHANGED OR MOVED OR SOME ACTIVITY HAS TAKEN PLACE- BUT MOVEMENT HASN'T HAPPENED ON THIS ACCOUNT SINCE XXXX - FURTHERMORE WHY IS THE DATE OF LAST ACTIVITY ( DOLA ) DATED XXXX XXXX?? - DID LVNV PURCHASE THE ACCOUNT ON THIS DATE? 

-AND IF SO DID IT KNOW IT WAS PURCHASING A DEBT PAST STATUE OF LIMITATIONS? 

- WAS THE DEBT COLLECTOR NOT NOTIFIED BY THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) THAT THE DEBT WAS PAST STATUE OF LIMITATIONS??? 

- IF NOT DID THAT MEAN THE ORIGINAL CREDITOR SOLD THE DEBT COLLECTOR THIS INVALID DEBT ON PURPOSE??? 

-THIS ACCOUNT DOES NOT HAVE THE SAME DATE OF LAST ACTIVITY ACROSS ALL 3 BUREAUS THE DATES AREN'T EVEN IN THE SAME YEAR ***DATE OF LAST ACTIVITY ON XXXX  IS NOT ACCURATE HOW CAN THE DATE OF LAST ACTIVITY BE XX/XX/XXXX WHEN THE COLLECTION ACCOUNT WAS OPENED ON XX/XX/XXXX THIS IS NOT MAKING SENSE*** -DOES NOT NOT SHARE THE SAME DATES OF LATE ACTIVITY AS XXXX XXXX - WHICH ALSO HAS THE DATES OF LAST ACTIVITY IN 3 DIFFERENT DATES ( NON- COMPLAINT ) HOW IS THIS ACCOUNT ACCURATE COMPLAINT OR ETHICAL, THIS ACCOUNT OBVIOUSLY VIOLATES METRO 2 COMPLIANCE STANDARD WHICH IS A STANDARD HELD BY EVERY DATA FURNISHER AND A STANDARD THAT MUST BE COMPLIED WITH
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, two hard inquiries were completed to my credit. A credit card was opened through XXXX for the XXXX XXXX XXXX. Another application for a credit card for XXXX through XXXX XXXX  was submitted. According to XXXX a card was never opened. XXXX was able to close the account. Experian was notified and able to begin the dispute to the inquiries. Experian requested that I submit a report to FTC and upload the report under my file.
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I sent a validation of debt letter to XXXX XXXX XXXX XXXX, KS XXXX on XX/XX/2023, I have still not received a letter back with anything that asked on the debt validation letter. 
The following was asked : state what the money you say I owe is for, how did you determine that amount, and provide copies of the agreement bearing my signature stating that I agreed to pay that amount. SHOW PROOF YOU ARE LICENSE TO COLLECT IN MY STATE ( PROVIDE LICENSE NUMBER ), provide me with a statute of limitations have not expired. Licenses In accordance with my rights under the Fair Debt Collections Practice Act, I disputed this account and requested validation of the debt. 15 USC 1692g sec. 809 ( b ) I have not received any of this information in a 30-day period. 

I ask you to do what is right by the law to have this debt removed from my credit report.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, I am writing to request the immediate removal of all of my personal information from EXPERIAN records, in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that under 15 U.S.C. 1681b ( a ) - ( g ) and 1681c-2, they are prohibited from using my personal information without my consent. I have reason to believe that Experian is in violation of these provisions according to the aforementioned United States Codes and FCRA ACT. This misuse of my information is unacceptable and a violation of my privacy rights.

Therefore, EXPERIAN shall promptly delete all of my personal information from their systems, including but not limited to : my name, my addresses, my Social Security number, my Employment information my credit report information, and all other personally identifiable information Thank you CFPB for your attention to this urgent matter.
Consumer complaint received 2022-12-28
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. (GA)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts are completely accurate.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This loan was paid back in full to the original lender XXXX XXXX. XXXX   has acknowledged such and has released all its claims. Yet the debt still shows being owed to the SBA on my credit report.

Additionally this debt was over 7 years old and should not be on my credit report.
Consumer complaint received 2023-01-18
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, 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 2020-04-01
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. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (GA)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts are completely accurate.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.
Consumer complaint received 2020-03-21
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: Medical Data Systems, Inc. (NC)

I have previously submitted a complaint under XXXX explaining that Medical Data Systems has repeatedly dropped themselves from my credit report only to reinsert themselves within a 30 day window impacting my credit. I have indicated that these are re-aged as they are being reinserted because it is impacting my credit score every time it is reinserted. This year I was able to catch these trade-lines as they were deleted form my report and took the opportunity to inform your agency that I was expecting these to be yet re-inserted again. Well, that is exactly what they have done since my last complaint to you. I have shown you where Medical Data Systems were on my report, removed and now attaching where they have since re-inserted al four trade-ins just as I predicted. By next month, one my scores have loaded to my subscription my score will have dropped. I have already explained that I was expecting them to do this again and they have. They have sent me a written reply expeditiously and closed this case acknowledging removal of four trade-lines names in CFPB complaint # XXXX. They made me aware that they had a fifth   account that apparently was not reporting to the credit bureau and wanted me to know that it will be inserted to the credit bureau. They did not do that. They reinserted the same four tradelines again.I have attached my credit report showing them on there in one month, removed in XXXX and added all over again in XXXX. Someone has to be able to do something about having them blocked form report, They cant keep doing this. It has been repetitive, and they have further argued my claim of repetitive re-aging, they have re-inserted them with the original dates. I need them blocked from being able to report or give these to another one else to report, It goes against Fair Credit Reporting Act. I plan to reintroduce this claim to every agency governing the Fair Credit Reporting Act. 


All four accounts are as named : # XXXX # XXXX # XXXX # XXXX ( the fifth   account names in their letter dated and stated as attached,
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MS)

I have Contacted these companies multiple times about placing a security freeze on my file but to no Avail did it work, so now i come to you for results. I have the picture of proof that these files have been frozen but everytime i download my report each month it doesnt say such i need these bureaus to show proof they have placed a security freeze on my credit file
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On or around XXXX XXXX I began receiving text messages about my card accounts from XXXX XXXX by XXXX I had a dispute with card XXXX and that card was replaced by current card XXXX. Apparently money off of card XXXX in the amount of {$1300.00} was left on this account that was allegedly closed out. I made numerous attempts to resolve this issue, but each time was given a dissatisfied answer. They kept telling me that the account was closed XXXX XXXX ) and no information could be retrieved pertaining to account.XXXX  XXXX the text alerts that used to inform me every morning has halted informing of account XXXX the supervisor was so rude as to get in touch with my employer to get answer about the funds when its XXXX who is in charge of rejecting or accepting monetary dealings.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (MD)

Commenity Bank, sent notice that they were changing terms and interest rate. You had to either accept terms of service or close the account. My account is in good standing. NO late payments. I accepted terms because I can not pay the balance off in full. The country is in a financial crisis amidst a pandemic at this time. I'm fortunate enough to still be working at this time, but money is TIGHT! This is not fair.
Consumer complaint received 2020-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

Hi my problem is about PayPal and their misleading ways. 

I started my online business about 7 months ago and everything was going smoothly. I decided to integrate PayPal to my website as my online processor because I felt PayPal could protect both me and the customers from any fraudulent activities. So After processing over {$1200.00} through PayPal, Paypal decided to permanently limit my account and hold all of my funds for 180 Days with no reason stated. My account has never had a charge back or dispute from customers but PayPal just decided to permanently limit my account and hold all of my hard earned money. I called PayPal to try and solve the issue. I asked them for the reason why they limited my account but they haven't provided an answer to the question. They've refused to get back to me. I even requested for a re-appeal but I was denied. They were so rude! They kept me on hold, they didn't answer my questions and they even hung up. I'm yet to know the reason why my account got limited. I'm so disappointed in PayPal for this unethical and misleading ways of theirs. Before my account got banned, I was asked to provide some information like customers tracking numbers, receipt of purchase from my suppliers. And I provided everything immediately but I was still limited. I even uploaded all tracking numbers!. This is so wrong and disappointing. Paypal will ruin thousands of businesses with these behaviors. I'll attach proof of my transaction below. I uploaded my invoice of purchase from my supplier. And also, proof that I uploaded all the documents I was asked to do ( as you can see, it was in review )
Consumer complaint received 2024-02-25
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: Experian Information Solutions Inc. (TX)

15 US Code 1681c-2 a consumer reporting agency shall block 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2022-12-16
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: DISCOVER BANK (FL)

I was checking my email and I got an alert from XXXX saying that I had another hard inquiry. I have not applied for any type of loan recently. I went on their website and it led me here.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Apple Law Group, Inc. (CA)

I signed a contract with Apple Law Group ( XXXX XXXX XXXX # XXXX XXXX XXXX CA ) in XX/XX/2015 to settle my debt from XXXX XXXX XXXX and XXXX XXXX. After paying them about 3k nothing was done and I ended up getting sued from XXXX XXXX XXXX and ended up settling the XXXX XXXX myself. Apple law will try to say I " breached : my contract and stopped making monthly payments but apple law told me my dent would be resolved within 6 months so why should I continue giving them money when they are not doing anything. After being threatened to be sued by XXXXk XXXX XXXX apple law finally " attempted '' to settle my debt in which I had to pay more than half of my debt still instead of paying 1/3 of what I owed which was what was advertised by Apple Law. Apple law refuse to also credit me XXXX which was my remaining balance that they did not use ( I sent them a lump payment of around 1200 in which they used around 700 to make the first payment to XXXX XXXX XXXX ) I also had to settle my XXXX XXXX debt myself because the employee there couldnt get me an offer lower than XXXX whereas I got myself an offer to settle for XXXX. Apple law group is out of business now and I dont how how to my money back for false services and my credit of XXXX that I paid in excess.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am being charged late fees for a negative balance on top of the {$110.00} negative balance fee which is more than I was originally negative, they wont work with me and I am at a lost for wages due to covid-19 and with the additional fees added it really put me in a bind. 5/3 bank will not remove the fees I asked to remove so I could resolve my issue and are now adding more fees. I believe they are doing this to get more money out of someone who is struggling to make ends meet. I also believe the fees they are adding are coming at a perfect time due to the stimulus package going into effect. My thing is why not help your customers why are you robbing the poor, I obviously dont have the money, I had the same issue on XXXX Day were I was charged a negative fee, They are the true definition of the XXXX.