davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (TX)

So I sent a letter off to Experian on XX/XX/2022. My tracking number is XXXX XXXX XXXX XXXX XXXX. I also sent a letter to XXXX on XX/XX/2022. My tracking is XXXX XXXX XXXX XXXX XXXX. I have contacted them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Discover Bank, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law.

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ).

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Consumer complaint received 2023-03-22
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (LA)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports.

Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company Cardinal Financial COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option.

( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option.

( 3 ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. 

Cardinal Financial : Acct # XXXX
Consumer complaint received 2018-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NJ)

I disputed a charge that I know i didnt do. It was XXXX dollars from a moving company i did not hire. They reversed the charges and say they now have proof it was valid. They sent me paperwork that clearly wasnt my signature at all. I even had to get a new debit card. Why would I do that if I authorized this transaction. Now they are trying to debit my account XXXX and will put my account into the negative.
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal permanently locked my account and is withholding a total of {$100.00} in my current account on their platform, and they are also holding {$49.00} which was processing for a total of {$150.00} that has been taken from me. I feel that I was wrongfully banned from the platform, and after carefully reading the PayPal license agreement I feel that I followed all guidelines. I contacted PayPal via telephone and was told by a representative that my money was on hold and that I would not have any access to it. The date that I received the decision from the company to banish me from their services was XX/XX/2021. I would like for my money to be released to my bank account with XXXX and for my account to be reinstated as soon as possible. My email with paypal is XXXX XXXX
Consumer complaint received 2018-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Credit Corporation (AZ)

I applied for Avant Credit Card around XX/XX/2018 and I was approved. I called Avant to add mailing address and I was told they can't mail to US PO Box so fast forward two months later I still never revived the card at my physical address. I finally called to cancel the credit card. My understand under the US Patriot act credit card companies are required to have verified physical address on file when a customer applies for a loan or credit card however customers can use a US Post Office Box as mailing address. Avant is only company in the country that does not mail to US PO Boxes and I feel they should not be allowed to offer credit cards to any customers at all till they update their ridiculous policy and allow mail to go US PO Boxes. I will never do business again with Avant I just want to offer my feedback to warn other customers.
Consumer complaint received 2021-07-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are items on my credit report that do not belong to me. The following items are inaccurate on my credit report and I would like them to be corrected/ removed as I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed in a timely matter PLEASE! 

XXXX  card Account # XXXX This account is fraudulent and inaccurately reporting to my credit. 

XXXX  XXXX Account # XXXX This account is also fraudulent and inaccurately reporting to my credit. 

XXXX Account # XXXX And this account is fraudulent and inaccurately reporting to my credit as well. 

I have also sent out letters to each Bureau on XX/XX/2021 ( which I will be including ) but no resolution or help has been met.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank sent me an email stating late comment reporting on my personal credit report will be removed for XX/XX/XXXX and XX/XX/XXXX. This letter was dated XX/XX/XXXX and also there was a Universal Data Form included as proof it was submitted. However, it was not updated on my personal credit report. I have contacted the company and was told it was completed but its not reflecting as corrected on all credit bureaus. This is for the PayPal Extras credit card.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (WI)

In accordance to the Fair Credit Act my rights have been violated please resolve this many times They are violating my rights!! 

15.U.S.C 1681s-2 ( A ) a person shall not funish any information relating to a consumer to any consumer reporting agency if a person knows or reasonable cause to believe information is inaccurate 15.U.S.C 1681 section602a=right to privacy 15.U.S.C 1681 section604a section2= can not funish my account without my written permission 15.U.S.C 1681c ( a ) ( 5 ) LIST OF HARD INQUIRIES AND ACCOUNTS : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX  {$490.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-07-26
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: TD BANK US HOLDING COMPANY (TX)

I am a victim of identity theft and there are several fraudulent accounts that continue to report on my credit file. I have requested validation as well as verification from XXXX and they refuse to provide. I have attached my identity theft report to this file as well to remedy these inaccuracies as they are Also, XXXX and the data furnishers have violated my rights per the following, 15USC 1681 Section 602, 15 USC 1681 Section 604 and 15 USC 1666B.
Consumer complaint received 2023-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NRA Group, LLC (GA)

On XX/XX/XXXX a XXXX XXXX was added to my XXXX XXXX Report in the amount of {$790.00}. I never received a letter or phone call in reference to this debt. On XX/XX/XXXX i sent a Certified letter to XXXX and National Recovery Agen About the No Surprise Act. Both companies received the letters on XX/XX/XXXX. The Investigation was verified on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To : Whom it may Concern, This account listed below is a complete VIOLATION of the NO SURPRISE ACT, DLELETE The listed account below immediately from my Credit Report.

National Recovery Agen Original Creditor : XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX As of XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. The debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back.
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (TX)

I have contacted Experian to notify them of identity theft. They did not investigate. They sent me a letter basically stating that I have to contact the creditors before I can contact them. 
Second time I sent a certified letter notifying them of identity theft and to block the information from appearing on my credit until investigation is complete. I submitted a police report and all other documents showing proof that I am an XXXX data breach victim and there were numerous complaints of fraud on my personal banking accounts which led to insufficient funds to pay for my bills. Experian sent me a second lettter stating to submit a police report etc all which has already been submitted. I called experian and they basically hung up on me before anything could resolve. I called them again and someone hung up on me.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, My claim with Capital One was denied on XX/XX/XXXX because " The info we got from the merchant shows this is a valid transaction '' for a total of {$900.00}. I initially filed a claim months prior as I had returned 2 orders to XXXX but never received a refund for the orders. In the middle of my return process ( after the items had been shipped ), I received an email from XXXX stating they are closing my account due to duplicate accounts being found. However, the only reason I created a second XXXX account is because my prior account was linked to my student XXXX, which I no longer have access to as I have graduated. Upon calling XXXX numerous times, they were unable to process my refund or locate my package. 

Therefore, I filed a claim with Capital One to further investigate in XXXX of XXXX. Upon receiving the claim, XXXX reached out to me through email on XX/XX/XXXX, specifically requesting tracking for the package I had returned. Please see photo attached showing proof I provided the tracking label as requested. I never received a response from XXXX until XX/XX/XXXX, presumably as I called Capital One and asked to reinvestigate. As seen attached, I responded to XXXX with all necessary information, yet still did not receive a response, even though they stated someone would get back to me in the next 72 hours. I forwarded all this to Capital One, as told by the representative on the phone, on XX/XX/XXXX to XXXX. I received a response from Capital One on XX/XX/XXXX, stating my claim was denied again due to not providing necessary information, even though I did. 

I then called Capital One again on XX/XX/XXXX and resent the same email with all information regarding the case as they requested. They then said they would investigate. However, I once again was denied XX/XX/XXXX, stating " we didn't find any errors for this amount after checking the docs the merchant provided. '' Please assist as I been consistently providing information requested by both XXXX and Capital One, only to not only be ignored but ultimately denied.
Consumer complaint received 2019-09-05
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)

XXXX XXXX XXXX XXXX XXXX is reporting incorrectly to Equifax XXXX XXXX and XXXX a charge-off in the amount of {$10000.00} on the XXXX XXXX CR partial account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Last night created an account on Capital Ones XXXX XXXX XXXX upon creating the account I found a number of errors including a {$580.00} fee from original lender, XXXX etc location, XXXX XXXX, XXXX. I filed a complaint last night this afternoon I tried to log back into the XXXX XXXX XXXX, and it would not allow me and kept giving error. My account was compromised. Also, there was false addresses associated with my credit account as well. : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its showing up on my credit report.. unfortunately, Ive never lived at this location or have I ever been associated with this location Im thinking maybe the person who compromised my account may be associated with that location. These errors above or the reason for this complaint
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc. (TX)

XX/XX/2022. Opportunity to cure was sent to the debt collector. Even though they turned the account back over to XXXX, they never sent validation of the alleged debt, pursuant to 15USC 1692 I never gave NATIONAL ENTERPRISE SYSTEMS permission to communicate with me concerning the alleged debt, and the company still violated my consumer rights. NATIONAL ENTERPRISE STSTEMS is still in violation. I hope that we can reach a valid resolution.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (GA)

Harvard Collections Services has called me twice with my last 4 of SSN, name, and addresses telling me I owe them money for XXXX County, CA and a few weeks later State of Illinois. They also said they " never call on behalf of other counties, let alone in the XXXX of California '' despite calling me about XXXX County a few weeks prior. They provided me a fake number with Illinois Department of Revenue to " verify '' this outstanding debt. I verified with the state and I owe them XXXX dollars. Clearly a scam/abusive and I am troubled because they are a contracted agency with the Illinois Dept. of Revenue. This is scary and abusive.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

In accordance with the Fair Credit Reporting act ENHANCED RECOVERY CO L. 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. 

This is my XXXXrd time trying to get this debt removed from my credit report. 
On XXXX XXXX. Enhanced Recovery CO L was removed from my XXXX  report without it being also removed from my XXXX Report. 
Attached is an Identity Theft FTC Report and well as your removal from XXXX. 
Please remove this from my XXXXXXXX Report Immediately.
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (OR)

XXXX XXXX XXXX XXXX has fabricated a baseless, criminally fraudulent debt claim against me in the amount of {$1400.00}. XXXX has never supported their fraudulent claim. They have turned this fraudulent debt claim over to at least 3 different collection agencies at this same time every year. Despite my refuting their fraudulent claim each and every year, they keep finding some miscreant collector to perpetrate their criminal enterprise. I have written detailed rebuttals on XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX  ) ; and XX/XX/XXXX ( Williams & Fudge, SC ). I'm XXXX XXXX XXXX and am XXXX XXXX and live in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediately upon opening their latest unmarked correspondence last night I went into XXXX and feared for my life. As I've explained to them in writing now on multiple occasions, I have never applied for admission to XXXX ; I have never spoken with anyone from XXXX ; I have never been admitted to XXXX ; I have never entered into any agreement of any kind with XXXX ; I have never set foot on any property owned by XXXX for any purpose ; and I have never otherwise been in conflict with XXXX, and there is thus no judgment against me for any purpose.