davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There were 5 inquiries made on my account on XX/XX/XXXX. I did not authorize all of these inquiries and they subsequently lowered my score. There were 3 more made on XX/XX/XXXX. I did not authorize all of these. I had to file bankruptcy a couple of years ago and I am trying to rebuild my credit.
Consumer complaint received 2022-03-08
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. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To

this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MD)

In the past 8 months, my account with Home Depot Citibank has been under a fraud investigation. I am at a loss of what to do as the claim has been denied and I was assured several times by your employees that this would be resolved. 
My first notification that I had ANY balance on my card after XX/XX/XXXX was on XX/XX/XXXX, when I received a phone call stating that my account was past due. I opened the account so that I could start a new business in XX/XX/XXXX, then I put the card away because the renovation was finished around XX/XX/XXXX. The gentleman on the phone instructed me to make a credit card fraud claim so I did. I waited until XX/XX/XXXX and never knew what happened but I did start to receive statements that said I had a negative balance. Then in XX/XX/XXXX, I received a bill again for over {$8000.00} in charges. I was very confused as I thought the matter had been resolved. I believe that because I had set up automated payments from my old bank account and had opened a new bank account in XX/XX/XXXX, that I didnt see that these payments were going through. I simply left a few hundred dollars in the account just in case but I did not close this account until XX/XX/XXXX. This is why I received the call about a late payment on XX/XX/XXXX. 
I spoke with someone again from the fraud department and he asked me submit more information, which I faxed on XX/XX/XXXX. I received several phone calls trying to collect payment and was told not to make a payment if I did not make the purchases. Now I have my account over due by more than 90 days and it is showing up on my credit report. 
I did not ever file a police report because I live in XXXX and the police have better things to do although I have tried. 
On XX/XX/XXXX after sending this letter to Citibank Executive Response Unit, they confirm that indeed I did not make these charges yet they refuse to resolve this matter as fraud unless I file a police report. 

If I remember correctly, my credit limit with them was {$5000.00} and someone charged over {$8000.00}. 
They also knew during the investigation that someone else had been using my card as well as making payments and never told me that they knew that information until now. 

The communication with Citibank fraud has been awful until I starting talking with XXXX XXXX on XX/XX/XXXX. 

Every time I received a phone call about making a payment because I was late, I was advised not to make the payment unless these were my charges. So now, I am over 90 days past due and I owe a bunch of late fees as well as a dip in my credit report of over 80 points.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

XXXX  Bankruptcy docket # XXXX don't belong to me sent letter from courts to Experian, and XXXX about this matter XXXX  times within XXXX  months ago.
Consumer complaint received 2022-03-08
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.
Consumer complaint received 2021-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We wanted to adopt the kitten from the XXXX account XXXX  XXXX. On XX/XX/XXXX I texted them to gain more information about the kitten. The seller said that all the kittens cost {$400.00} for adoption and they will be sending the kitten from XXXX, CA. I agreed to pay only {$200.00} and then pay the other half after we will sign the paper work. The seller agreed on that. We signed the paper work and sent him anorak {$200.00} from XXXX  to the email address XXXX. After he received the money he said that he will send our kitten on XX/XX/XXXX in the morning. On XX/XX/XXXX at around XXXX he sent me a tracking number to track our kitten at the website XXXX. After that the delivery guy contacted me and confirmed our shipment and delivery. After a few hours we received an email from XXXX saying that we need to get a proper crate to them be able to deliver a kitten and the rent for this will cost us option number 1 : {$2100.00}, option number 2 : {$1200.00} and option number 3 : {$550.00}. We choose the option number 3 and made a payment of {$550.00} through XXXX  to the email address XXXX. The accepted the money and said that they are confirming it. After a few hours they emailed us saying that the option number 3 is not available anymore and we have to get the option number 1 which is {$2100.00}. We didnt want to pay that money and kindly asked to return our money since the money was 100 % refundable. But they say that they cant return money since they can only return it when deliver the kitten with cash. We did not want it and so he said he will contact the sender and call us back. The seller contacted me and said sorry and said they he will pay {$1000.00} for crate and we can pay only {$550.00}, we agreed on that. We sent {$550.00} to the delivery company. The delivery guy contacted us and said that they have received the money and ready to ship our kitten. In the morning on XX/XX/XXXX we received another email saying our cat is on hold again because we need to purchase city permit for the kitten which cost {$2100.00} and if we will not do that they will not deliver the kitten. We asked them to refund our money and send the kitten back to the sender. They dont want to return our money now.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (CA)

XX/XX/XXXX On XX/XX/XXXX my card was cancelled without my permission by XXXXl Pre-paid. 

I was informed by XXXX Pre-paid representative stating, " our records show that we received your request on XX/XX/XXXX. Your next update regarding the status of the dispute will be available on XX/XX/XXXX ''. 

As XXXX XX/XX/XXXX, customer is unable to use XXXX pre-paid card? XXXX is withholding customer funds and can not make a purchase. 

Customer must make a purchase by XX/XX/XXXX. If funds are not placed back onto card immediately or by XX/XX/XXXX, customer will not received services. 

Customer has requested full amount of {$100.00} onto new card provided by XXXXl Prepaid Company. 

XXXX XX/XX/XXXX There was unauthorized transactions made on my XXXX   Pre-paid MasterCard : Number : XXXX XXXX XXXX XXXX Valid Thru : XX/XX/XXXX XXXX : XXXX Customer would like to dispute the transactions and a refund immediately for the following amount. 

XX/XX/XXXX XXXX XXXX XXXX Posted on XX/XX/XXXX at XXXX Memo : Debit : Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX Card ending in XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX Memo : Debit : Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card ending in XXXX {$13.00}
Consumer complaint received 2016-02-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (NY)

On Sunday morning between hours of XXXX-XXXX MCM called my home phone three times within this timeframe. I was in the shower so a third party in my household answered the phone and processed to speak with someone by the name of XXXX who later states his name is actually XXXX then XXXX. Giving false information. The third party continued speaking with XXXX who eventually gave phone call to his supervisor XXXX then later said his name was XXXX. Both these individual gave out my debt account information to the third party. Both gave the third party the amount of my debt, the amount to payoff my debt. I did not authorize or give permission to MCM to speak with the third party. I feel they violated my privacy and consumer rights.
Consumer complaint received 2021-10-30
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: The Outsource Group, Inc (SC)

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX  XXXX  XXXX, SC XXXX  3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX 4. The following personal information is incorrect Account Number : EMPLOYER :XX/XX/2020 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX  6. XXXX Account Number : XXXX  Please remove it from my credit report.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-12-23
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: Experian Information Solutions Inc. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section XXXX [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX  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 2015-12-04
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (CA)

Regarding American Express Corporate Card for XXXX XXXX, card # XXXX. 
Amex bills to me did n't indicate what specific merchant charges were unpaid for the balance pending. I needed to know that to determine what I had to pay vs XXXX had to pay. Amex did n't provide the following information since XXXX 2015:1 ) have I paid all the merchant charges2 ) what specific charges are unpaid that account for the remaining balanceI finally reached out to Amex contacts of XXXX, bypassing Amex customer service, and got a spreadsheet that showed the specific XXXX merchant charges that were unpaid by XXXX, a XXXX, XXXX XXXX, and XXXX XXXX charge. Clearly Amex had this information, and I would think any company that provides corporate card services needs to provide that information to the end consumer. I confirmed those were all charges I marked personal to XXXX and I paid those in XXXX. 
Afterwards there were only late fees pending, all merchant charges were paid. I was told there would n't be late fee on late fees and ask for somebody from Amex to contact me because I wanted to dispute the late fees. I would have paid all the fees if customer service had provided me the information I required. However on XXXX/XXXX/15, after waiting since XXXX without anybody from Amex contacting me, I was charged another late charge on the pending late charges, identified as a delinquency charge. Amex is simply forcing me to pay their non-merchant related fabricated fees without providing any means to dispute them.
Consumer complaint received 2023-01-28
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: CLGF Holdco 1, LLC (IL)

Received my new card old card was lost.. 
They will not Activate new card but want make payments still?? Card is not over the limit!!! Seems like a SCAM To me!! So untill they ACTIVATE I will no longer make payments on account that I can't Used!! 
My Indigo card is the name of card
Consumer complaint received 2017-01-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I am receiving continuing calls from agencies about astronomically high credit card bills I never made. Representatives are continually calling me all times of the early morning, noon and late night, including Saturdays and Sundays. When asked to stop harassing me, they ignore my request, and if I block their number, they call from a different number.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 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 2022-03-08
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. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX  XXXX XX/XX/2021 2021
Consumer complaint received 2019-03-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have 4 student loans reporting in my credit report with inconsistencies and I have requested all 3 credit bureaus to correct this information and they keep coming back with the information is verified.

The account numbers for my student loans are not reporting correctly. the late dates that are reporting is misleading and not reporting accurately I have attached a print out of my credit report and circled what is inaccurate and what I have been disputing for the past 3 months with the credit bureaus.

I have requested from XXXX for VOD and they have not responded to me.
Consumer complaint received 2019-03-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have 4 student loans reporting in my credit report with inconsistencies and I have requested all 3 credit bureaus to correct this information and they keep coming back with the information is verified. 

The account numbers for my student loans are not reporting correctly. the late dates that are reporting is misleading and not reporting accurately I have attached a print out of my credit report and circled what is inaccurate and what I have been disputing for the past 3 months with the credit bureaus. 

I have requested from XXXX for VOD and they have not responded to me.
Consumer complaint received 2019-03-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 4 student loans reporting in my credit report with inconsistencies and I have requested all 3 credit bureaus to correct this information and they keep coming back with the information is verified.

The account numbers for my student loans are not reporting correctly. the late dates that are reporting is misleading and not reporting accurately I have attached a print out of my credit report and circled what is inaccurate and what I have been disputing for the past 3 months with the credit bureaus.

I have requested from XXXX for VOD and they have not responded to me.
Consumer complaint received 2023-06-13
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. (MA)

Good morning, I have several accounts that have been in XXXX balance for some time now and they have not been deleted from my credit report y Others that are already closed and are not eliminated. I need you to help me with that, please
Consumer complaint received 2020-07-31
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. DEPTEDXXXX  XXXX {$3800.00} XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$350.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX  XXXX {$140.00} XXXX XXXX {$340.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$32000.00} CHAPTER XXXX BANKRUPTCY DISCHARGVED XXXX {$0.00}
Consumer complaint received 2019-03-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cheadle Law Firm (TN)

For the last 6 paychecks, Attorney XXXX XXXX has been garnishing 25 % of my wages without notifying me of a lawsuit against me. On XX/XX/XXXX, I called their company and spoke with someone who said that they did serve me the paperwork, however, I informed her that I was never served. According to the paperwork they have, they served me on XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. I am not sure whose signature they obtained when they " served '' me but I never received any notification from them. When I notified the attorney of this, they said that I would need to send a down payment in order to stop the garnishment and start a payment plan. They have already taken {$280.00} and I already know that I can stop the garnishment through my civil courts. I would like to file a formal complaint against this attorney for illegal practices and possible forgery of legal documents.