davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/22 i did the preapproval application for XXXX XXXX. i was preapproved for {$5000.00} upon attempting to accept the offer i was denied several times stating that denial was because of a previously approved application. 

XX/XX/22 i called customer services and spoke to several different reps which resulted in finally getting my application approved. however, the approval was only for {$600.00} when i already had a {$5000.00} preapproval.
Consumer complaint received 2022-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I recently went through my credit report and my XXXX  score and seen an overdue balance of {$710.00} from Capital One but I personally have never opened a credit card. I tried disputing it with capital one, XXXX XXXX and XXXX but still no results. Its still on my credit.
Consumer complaint received 2022-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

MEDICAL REVENUE SERVICE d/b/a MEDICAL DATA SYSTEM INC. ( hereinafter MDS ) is in violation of 15 USC 1692, the Fair Debt Collection Practice Act ( hereinafter FDCPA ), for failing to comply with the following provisions : 1. MDS uses a trade name and not its true name in an attempt to collect alleged debt. 
2. MDS caused my phone to ring multiple times at inconvenient times and during times I was at my place of employment with the intent to harass. 
3. MDS never had my direct consent to communicate with me and did so via mail and phone 4. MDS multiple deceptive forms to deceive me, the consumer, into believing that I owed an alleged debt.

5. MDS used false character amounts in an attempt to collect an alleged debt. All four individual accounts requested I pay on a positive balance.

I received 2 communications from MDS on XX/XX/2022 requesting I pay an alleged debt that is allegedly owed to them on behalf of XXXX XXXX XXXX XXXX. I responded to MDS communications with notices that were sent on XX/XX/2022 and received on XX/XX/2022 via USPS in which MDS 's validation was due 5 days from receipt. MDS failed to meet the requirements of providing validation for me to see thus nullifying these false claims. MDS used my personal information to create 4 different accounts without my consent which is aggravated identity theft pursuant to 18 USC 1028A. I have never done business with MDS nor do I have a contract to do business with MDS ; therefore, I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO MDS AND I DO NOT CONSENT TO CONTRACT. MDS is now civilly liable to me under 15 USC 1692k.
Consumer complaint received 2022-03-22
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 did not submitted or requested several inquiries on my credit reports from all 3 credit bureaus. I have multiple fraudulent inquiries on my credit that were not my requests.
Consumer complaint received 2019-07-16
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. (UT)

XXXX XXXX XXXX  # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc. (FL)

I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MN)

Barclay I'm filing a formal complaint via the CFPB website. On XXXX XXXX, 2019 you reported to all XXXX credit reporting agencies. XXXX charged off account ending in ( XXXX XXXX & XXXX How ever after reviewing my credit file I found several violation of the FCRA. & FDCPA you failed to report that the accounts was sold Transferred to 3rd party debt collected. per the FCRA this is a violation I asked that you delete account XXXX / XXXX immediately or I will take Legal action for {$XXXX} per account on each reporting agency. if the account are not removed from my credit files because this is unfair reporting on your behalf. 
Violation # 2 both accounts XXXX XXXX are reporting balances if you have sold this account to XXXX XXXX XXXX XXXX you DO NOT have the right to still report the balance since you are no longer the Owner of the accounts again you could be fined {$XXXX} for violation the FCRA. again please delete these account from my credit files ASAP for violation! and Unfair reporting. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be or deleted immediately.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-22
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX... Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2020-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

I took out a home equity loan from PNC bank. Since the beginning of the loan, I have been constantly seeing the following problems : 1. PNC has misappropriated my additional principal payments as well as arbitrarily and unfairly split my payments to their benefit and applying it to interest. This is stealing money because they are purposely keeping my principal balance high despite on time payments plus extra. I also believe the is a form of predatory lending. 
2. Ever changing amounts applied towards interest and principal that follow no pattern.

3. PNC refuses to provide an amortization schedule 4. PNC continues to randomly split extra principal payments and apply some of those dollars towards interest against my expressly written wishes 5. PNC is refusing to fix problems in XXXX now that is XXXX. According to PNC their system does not allow them to go back. Despite the fact, I first called in XXXX to address their issue and their extremely slow pace is the only reason why it is now XXXX. 
6. I have worked with 3 separate representatives from PNC and get no help.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/2018 XXXX I disputed this matter with the agencies and told them that this was infact a fraud matter and i would need this account deleted XXXX also challenged the incorrect information account where they clearly violated the law 604 15Us code 1681B 605 A 15Us code 1681 C1 605 B 15 Us code 1681 C2
Consumer complaint received 2022-10-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Auto Lenders, Inc. (TX)

Originally I reached out to the company to remove accounts from my credit report. I provided them with all documentation that they asked for. I will attached them to this report as well. The account was opened dues to identity theft under my old name. 
My SSN and DL does not match their records. They have a completely different name on the contract. I show them my documentation but it look like the company instantly ignore my documents. They tried falsifying documents and had to freeze my account. 
I opened a police report against XXXX because of this issue. 
I will leave screenshot of this as well. 
I need this out of my credit ASAP or I will open a investigation against the company in court. 
Below you will find. They stopped responding to my email after sending them the documents they requested. 
I tried calling them to ask information but put me on hold for hours and cut the line. 
This insane that they do this to people and not fair. 
I will leave feedback open in case someone has the same issue with this scam company NATIONAL AUTO LENDERS
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Consumer complaint received 2022-10-27
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX SVCS, INC XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX OF XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX BANK XXXX XXXX .... XXXX XXXX {$870.00} ; XXXX OF XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX If 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-09-27
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2022-10-27
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX SVCS, XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX OF XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX BANK XXXX XXXX .... XXXX XXXX {$870.00} ; XXXX OF XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX If 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-07-16
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. (IL)

I requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX/XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$1900.00}. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXXr verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Consumer complaint received 2022-10-27
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. (NV)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-11-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX the company " Citi Financial '' sent me around XXXX dollars and XXXX was taken out my account unexpectedly I was later directed me to obtain an XXXX  card from XX/XX/XXXX for XXXX dollars and was instructed to send them the information, After that I was no longer able to access my online banking, I've been calling the number XXXX ( XXXX ) XXXX and have been speaking to multiple people who all sound the same, I asked for their address and was given the wrong address and profanity.
Consumer complaint received 2022-10-27
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. (NV)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2022-10-27
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 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 2022-10-27
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. (CA)

According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file. 
XXXX  MTG XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX THE XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc. (UT)

Today XX/XX/2020 I received in the mail from Express recovery services, INC that they got a Motion for disclosure order of judgment debtor 's employment information, when on XX/XX/2020 I told them that I have been unemployed scents XX/XX/XXXX. Not only did I not know of any judgments they never told me of any. I told them I was unemployed and I was starting a new job in a few weeks, they then proceed to ask me how am I paying my other bills. I do not know who that collections is for. The amount on the paper work I received to day stated that the original was {$140.00} with interest of {$17.00} and attorney 's fees of {$350.00} and court costs of {$100.00} for a grand total of {$610.00}.