davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NJ)

Beginning on Tuesday, XX/XX/XXXX, the Customer Service team from XXXX XXXX XXXX has called me every day leaving a pre-recorded message that I need to call them. When I call, there is no issue -- no late payment, nothing needed. They advise me of same and we end the call. The next day, I receive the same call again. 
I called them yesterday to make a complaint and to advise that I would be filing a complaint against them with this agency if I received another call from them. 
They called me again this morning. This is harassment.
Consumer complaint received 2022-12-03
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)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00}
Consumer complaint received 2022-02-21
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

checking my credit report ive noticed alot of invalid information. I am intrested in disputing my credit report with Equifax. this is he hindering my file and I can not move forward due to information being incorrect. please correct all the information requested so my credit can be 100 % accurate.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have applied more than 5 times to have my credit card limit increased through Capital One. I have had the card for 11 and a half years now, and the limit is only at {$2100.00}. This limit has not changed for years, no matter the amount of utilization. 

My wife and I make over $ 200k combined, and I have received significantly larger limit increases from other banks in the last six months ( XXXX, XXXX, XXXX, etc. ) As a result of my longevity, credit score, payment history and income, I am formerly filing this compliant to get Capital One to give me the credit limit increase that is warranted.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2016, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XXXX/XXXX/2016, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

XXXX XXXX from XXXX called me and employer and is harassing me severely. He stated that he was going to seize my assets and file a judgment against me. He would not stop harassing after I told him to please stop. He is referring to an old credit card that was over 7 years old. I am not even sure that this card is mine as he was not able to send me proof.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

On XXXX/XXXX/2016, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company Portfolio Recovery ever contact me regarding this alleged account. Also being that this is a medical I have never given any physician or medical office permission to share any of my medical information so this would have also been in direct violation of HIPPA. I have never heard of you until I reviewed my credit file. Portfolio Recovery never gave me the right to dispute the validity of this account before putting it into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.
Consumer complaint received 2019-07-30
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: JPMORGAN CHASE & CO. (CA)

I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : JBMCB   with an inquiry date of XX/XX/XXXX, JBMCB with an inquiry date of XX/XX/XXXX, JBMCB with an inquiry date of XX/XX/XXXX, JBMCB   with an inquiry date of XX/XX/XXXX and JBMCB with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. 

Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.
Consumer complaint received 2022-12-03
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-12-03
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}
Consumer complaint received 2022-12-04
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. (MI)

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Consumer complaint received 2022-02-21
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (FL)

I RECENTLY REVIEW MY CREDIT REPORT AND NOTICE A UNAUTHORIZED CREDIT INQUIRY IN MY EQUIFAX CREDIT REPORT ON XX/XX/2022 MADE BY XXXX  PLEASE REMOVE THIS IMMEDIATLY
Consumer complaint received 2016-06-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Tulsa Adjustment Bureau (KS)

I do not owe this debt because i has a medicaid card that would have taken care of it and now it is making my credit look bad i have had a medicaid card since 2008, and nobody at the hospital said anything about not accepting it and i did not receive any bills for the XXXX visit so i dont feel like it owe it
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2016, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2700.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00}.
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX, 2022 I made a payment of XXXX dollars to XXXX XXXX XXXX, because they threatened to garnish my wages and sue me in court. After paying I did research and found that in Texas a collection agency can not threaten to garnish your wages. The name of the company given was XXXX XXXX XXXX and the address given is XXXX XXXX XXXX. XXXX XXXX, California XXXX. The number is XXXX XXXX XXXX and the person I spoke with XXXX is XXXX. They initially contacted family members who contacted me and gave me the above number to get in contact with them. They never came directly to me I never received a notice just a relying message from some family. I'm curious to know if after ten years can creditors come after you for a debt. I did sign something via email to make the payment and I hope I didn't entangle my self in web of obligation and now I have know choice but to pay. I called my bank to try and stop payment but they weren't able so they suggested calling them asking for a refund and I did and they said they would. That was on the XXXX of XXXX 2022 and also on the seventh of the month as a back up call to refunding because I was told it would take a couple of days. He ( XXXX ) told me on the seventh of XXXX 2022 that it's going to be a lengthy process and that they're going to take me to court and that I was going to have to pay court cost and attorneys fees. I really need the help to know if this is fraud or not. If not I'll pay.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I was a victim of fraud which left my accounts negative about {$6000.00} total. When I tried to go into my local branch I was told that the signatures on the bad checks matched my signature. When I did more digging and was actually able to see the fraudulent checks ( the first bank wouldnt show me ) the signature looked nothing like mine. When I called and tried to submit a claim, the bank closed my account and said I still owed them the money.
Consumer complaint received 2024-02-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I am writing to address the issue of late payments on my account. It has come to my attention that there have been instances of payment delays, and I want to express my sincere apologies for any inconvenience this may have caused XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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)

Equifax is reporting an account that is not mine on my credit report. This is a mortgage account with XXXX XXXX XXXX account number XXXX This account does not belong to me and I am not a co-owner of the account as reported. This mortgage account belongs to XXXX XXXX XXXX and that is where it needs to be reported. 

XXXX XXXX and XXXX already fixed their records and removed this account from my credit reports several months ago. Equifax however keeps reporting it even though it is not updating and shows being open for 8 months and only 1 payment. I attached screenshots. 

I disputed this account with Equifax before and it came back as verfied but that is impossible since I don not own this account and it belongs to XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-21
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. (NY)

I am so puzzled about this situation. I have no idea what is going on over TRANSUNION. It's just creating additional emotional & physical distress on my part. I have a loan with the accounts below. The current status should not be showing late because I paid it on time. TRANSUNION Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. 

XXXX BXXXX XXXX XXXX XXXX XXXX  XXXX