davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NJ)

The Fidelity Investment Credit Card, provided by Elan, has recently updated their XXXX software app so that the user can no longer see pending transactions and posted transactions. I believe this was done to make it difficult to pay off the balance in real time ( previous incremental changes made it difficult to pay balances too, but are not discussed here ). But this also makes it difficult for the user to monitor potential fraud on their account. This information is also valuable to monitor spending and should be easily accessible. A user can have enormous charges pending, but the app shows a {$0.00} balance for several days. 

There is a way to see transactions through a desktop web portal, but its convoluted to do so. Theres no reason for balance information to be hard to access, besides ill intent. 

The recent change to their user app is alarming and suspicious. This does not seem like a user friendly change, but rather the opposite. This deserves investigation. 

Ive contacted the company through two mediums, but they have not responded.
Consumer complaint received 2022-10-05
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX : # : XXXX, XXXX : # : XXXX, XXXX : XXXX : XXXX, have violated my rights. 



15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (FL)

The account with BPPR XXXX XXXX should not be on my credit! This was a mortgage that was included in my Chapter XXXX Bankruptcy in XXXX and was discharged. The original creditor was XXXX XXXX XXXX in which BPPR XXXX XXXX somehow obtained the account from. XXXX  is in clear violation for allowing this debt to be reported delinquent after it was discharged in a bankruptcy AND due to the fact the debt was cleared in XXXX, this is way passed the allowed 7 years to report to my credit report. 
One, it is illegal to repot this debt beyond the 7 years allowed per federal guidlines and two, the was discharged through a Bankruptcy so Banco Popular should not be reporting any balance. 
I attempted to have XXXX investigate and remove this on their own but they came back with it is staying on the credit as is. Attached are the bankruptcy docs showing XXXX XXXX ( original mortgage then transferred to Banco Popular ) being included in the bankruptcy.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NM)

On XX/XX/XXXX I received a collection letter for {$3200.00} owed to Pay Pal originating on XX/XX/XXXX. And discharged on XX/XX/XXXX. The letter claimed it was from a Pay Pal Credit account. 
I did not have a Pay Pal Credit account, in fact I did not have a Pay Pal account at all. 
In XXXX, I opened a Pay Pal Credit account which has never has never been in arrears. 
Ive spoken with both Pay Pal Credit and they advised me to report it to all 3 credit agencies. XXXX XXXX ( the debt collectors ) said they would open an in house investigation regarding letter and advised to file police report. I dont know what to do.
Consumer complaint received 2021-06-10
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: Nationwide Recovery Systems, Ltd (TN)

I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency Nationwide Recovery with a balance of {$1700.00} and an original creditor of XXXX XXXX XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.
Consumer complaint received 2021-06-10
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. (TN)

I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency XXXX XXXX with a balance of {$320.00} and an original creditor of XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX I believe this may be his account and if not this account is fraudulent.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

My Citibank XXXX XXXX card had the credit line lowered to XXXX just yesterday on XX/XX/. I just made a payment on this card of XXXX on XXXX  and now the current available credit is just XXXX, extremely close to the new lowered limit. Citi lowered my credit limit SIGNIFICANTLY because they claim they checked something on my XXXX credit report and made this decision. I have NEVER missed a single payment on any of my Citibank cards, I have always paid more than the minimum and have never had ANY issues. The only thing that changed on my XXXX credit report was charges to get my automobile fixed after a collision, I charged XXXX on another Citi card in the past month. This reduction WILL negatively affect my credit score now as it APPEARS I have used up 100 % of my credit line, which is erroneous and only occurred because Citi arbitrarily and without warrant or merit decided to lower my credit line because of nothing that happened on this card. I first tried getting online with chat to ask about this and " XXXX '' told me that he had no information and gave me the number to XXXX, I did not NEED the number to XXXX as they are not the ones who lowered my credit limit. I told him I wanted to talk to customer service- I called customer service on the back of my card to ask to have my previous credit line restored and when I got a hold of someone I said that I wanted to talk to a supervisor, but was told by the customer service representative " XXXX ' on XX/XX/23 that they could not speak to a supervisor because their " Credit experts '' are the ones who made the decision to lower my credit line, he said I needed to wait on the letter from the company. I told him that the email says why this was done due to something on my credit report - I did not need to wait for the letter, I already understand this is something on my report not directly related to my actual card, but rather something the " experts '' decided was a reason to lower my credit line. I asked to speak to someone who could rectify this, he refused to transfer me to these " experts '' and would not let me speak to a supervisor, he said they do not make any decisions, at which point I was irate with this and hung up. I am very upset at this and do not feel this is justified
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (CA)

Hello Sir/Madam, I received a " Notice of collection placement '' from a collection agency by the name of EOS CCA sent on behalf of XXXX XXXX for the amount of {$1000.00} on XXXX/XXXX/15. I found out from XXXX XXXX that somebody had stolen my identity at XXXX XXXX store to purchase XXXX phones 2 years ago. I had to file a police report before sending my dispute to XXXX XXXX and XXXX via email with all of the support documentations. 


Best Regards, XXXX
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (GA)

This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. 
The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. 
Be advised that verification is defined ( XXXX 's XXXX XXXX, XXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 
The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z. 
The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.

The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
Consumer complaint received 2021-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (HI)

I SUBMITTED MY COMPLIANT THROUGH THIS PORTAL ABOUT A MONTH AGO BUT RECEIVED AN EMAIL SAYING IT DIDN'T RECOGNIZE ME FOR SOME REASON. I'M JUST TRYING TO GET MY DISPUTE PROCESSED REGARDING THESE ACCOUNTS THAT ARE AFFECTING ME FROM BEING ABLE TO PURCHASE A NEW HOME.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (AR)

JPMorgan Chase bank has used abusive, deceptive, and unfair collection practices. I sent chase a notice of dispute and debt validation letter on XX/XX/2023, they responded with monthly statements on XX/XX/2023, which does not fulfill the requirements of validation or prove the alleged debt is owed pursuant to 15 USC 1692g, I then found several violations in the statements & docs sent by chase. I then sent a cease & desist and an affidavit of fact stating how I was violated along with evidence of violations & invoice for the violations. Chase bank failed to validate the alleged debt owed as well as knowingly, furnished an unvalidated debt on my consumer reports, they ignored my cease & desist, invoice, as well as my affidavit of fact. An unrebutted affidavit stands as truth.
Consumer complaint received 2023-04-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-02
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. (CT)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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 sent a certified letter to Trans Union stating that it was 7 fraudulent/identity accounts on my credit report. I sent a police report, my identifying information along with a identity theft report. They said that everything was verified which couldn't be true because I never had any of those accounts. They completely disregarded the police report that was filed immediately after I discovered the information on my credit report.
Consumer complaint received 2021-06-10
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: Radius Global Solutions LLC (FL)

This company has committed fraud. As a natural person, consumer and original creditor, they have broken the law, violated a multitude of federally protected rights against a federally protected consumer and on my behalf ruined my reputation. They have violated15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ), 15 USC 1692d ( 1 ), 15 USC 1681 and many more. I recently yesterday contacted and sent the company means to help themselves after committing fraud.
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

REPORTING NEGATIVE ON MY CREDIT REPORT MEAN WHILE I WAS NOT MADE AWARE OF THIS CHARGE AND HOW IT CAN AFFECT MY CREDIT AND MYSELF IM AWARE SECTION 609 REQUIRES YOU TO HAVE PROOF OF OWNERSHIP, DID NOT SEND ME ANY DOCUMENTATION BEARING MY SIGNATURE FOR THIS ALLEGED DEBT OR ACCOUNT INACCURATE DATE OPENED XXXX  STATES DATE OPENED XX/XX/XXXX XXXX  AND XXXX  STATES DATE OPENED XX/XX/XXXX INACCURATE LAST REPORTED DATE XXXX  & XXXX  STATE XX/XX/XXXX WHILE XXXX  STATES LAST REPORTED XX/XX/XXXX INACCURATE DATE LAST ACTIVE ON ALL 3 CREDIT BUREAUS XXXX  STATES LAST ACTIVE XX/XX/XXXX XXXX  STATES LAST ACTIVE XX/XX/XXXX XXXX  STATES LAST ACTIVE XX/XX/XXXX THIS ACCOUNT IS INACCURATE AND IT IS NOT UNDER FCRA COMPLIANCE
Consumer complaint received 2017-07-24
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: Experian Information Solutions Inc. (NC)

I have unauthorized inquires on my XXXX XXXX Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a Victim of Identity Theft according to 605B of the FCRA upon submission of FTC report the credit reporting agencies have 5 days to delete the fraudulent trade line. Trans Union refused to remove the trade lines and sent me a letter stating that the documents were not authentic. I have since had a new FTC report and have hired a consumer protection attorney to file litigation against Trans Union. I am filing this complaint against Trans Union at the request of my attorney to ensure that upon litigation against them that I did everything possible to correct this matter.
Consumer complaint received 2021-07-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

My vehicle loan is currently paid in full. I have emailed ALLY twice so far ( XX/XX/XXXX and XX/XX/XXXX ) and have received no response. I have called them on XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, and twice on XX/XX/XXXX. On the last call, ALLY claimed they had not received an odometer statement from the dealership. That was found be be a lie and the dealership emailed another copy of the document, yet again. I have filed a XXXX  complaint to get this fixed, and Ally financial responded to the XXXX  with " Due to privacy concerns, we are unable to provide you with any additional details in this matter. We thank you for taking the time and effort to bring this issue to our attention. If we can be of further assistance, please contact us at XXXX. ''
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.