davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (RI)

There is a online company called speedy cash I think that's the correct name. Anyways, I have noticed a collection for this company for over XXXX dollars. I did not apply for this loan. I am starting to think someone else did or stole my identity.. Furthermore, I recently found out they were taking payments out of my old checking account that I did not aurthorize.
Consumer complaint received 2020-08-14
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 — Their investigation did not fix an error on your report
Company: CCM Finance LLC (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-03-23
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. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6400.00}.
Consumer complaint received 2017-08-11
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)

In regards to the two XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} XXXX : {$7800.00} - {$460.00}
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (IN)

Company contacted me on a medical debt. I advised that it had surpassed it statute of limitations and I do not owe the money for several reasons. Caller said " we are reporting this to your credit bureaus and this will effect your credit ''
Consumer complaint received 2020-10-12
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 (NY)

On XX/XX/20 I submitted dispute to target & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the XXXX that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections target is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly
Consumer complaint received 2020-10-22
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. (IL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I did not file for student loans and bankruptcy as opposed to what is stated in my credit report.
Consumer complaint received 2023-03-23
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. (NV)

I see that the accounts on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$230.00}
Consumer complaint received 2020-07-27
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. (TX)

XX/XX/2020 XXXX XXXX  reported fraudulent information on my credit filed. The amount is {$940.00} I do not have a contract with this company and never have. The account was deleted XX/XX/2020 and has been reinserted without my knowledge or verification of debt. XXXX XXXX   has broken the FCRA law by reinserting fraudulent debt on my credit file.
Consumer complaint received 2023-08-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to file a complaint regarding the abrupt closure of all my Chase credit card accounts without any prior notification. Chase has cited fraudulent reasons for this action, which I vehemently deny. 

I have been a loyal Chase customer for over eight years and have consistently paid my credit card bills on time. The decision to close my accounts due to alleged fraudulent activity is baseless and has caused me significant inconvenience. 

Furthermore, the sudden closure has rendered my accumulated reward points, worth hundreds of dollars, inaccessible. I have also paid XXXX XXXX XXXX in membership fees for this year, which is yet to end. 

I urge Chase to thoroughly review my account and promptly reinstate my credit cards. 

Thank you for your attention to this matter.
Consumer complaint received 2023-08-09
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)

On XX/XX/2023 I sent in a request for an investigation into some information being reported on my consumer report. These accounts violate Title 15 USC 1681b Accuracy and fairness of credit reporting. XXXX XXXX XXXX - XXXX XXXX GA - XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have never been verified by conducting a fair investigation. I never received any documentation regarding where these accounts originated. I have given you multiple opportunities to correct these matters, now I am once again requesting your organization to obey the FCRA and perform a intense investigation.
Consumer complaint received 2023-07-15
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. (SC)

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 : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} SOC SEC ADMIN XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-12
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-10-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!
Consumer complaint received 2018-09-20
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. (OH)

I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Contacted the National Credit XXXX XXXX today XX/XX/XXXX and spoke to XXXX guy. The person was trying to intimate me by being hostile and rude to provide my information on the phone. I let them know its not me & they were on my credit report. 

I have never received nothing from their company in the mail ( wrong address provided by him ) about this matter & i told them to take it off my credit report. 

They have the wrong person. 
There is another person with same name as me who lives in XXXX XXXX. 
He refused to do anything about the matter and said to file a police report. 

I have filed a dispute with XXXX  credit report on this matter. 

I never had a credit card from a XXXX credit card company and the error made a last payment back in XXXX. 

Wrong person & put on my credit report as Collection case. 
I never opened a XXXX credit card XX/XX/XXXX and someone made payments on this card recently! 

This is a 2nd credit card company trying to ruin my credit ( other one taken off me ), who has done this to me. Really! I will sue them if I have too!
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: DISCOVER BANK (NY)

Contacted Discover to set my cash advance limit to XXXX, effectively disabling this use. I don't want the possibility of merchants or, if the card is stolen, to get cash. 

I was told by customer service this is not possible, and no alternative was given. 

I saw a statement just a few months ago from Discover public relations, XXXX XXXX, saying it is possible to set it to XXXX  : XXXX XXXX XXXX Was this statement incorrect? Or modified right after advertising it? 

The Discover It card was my number one card a few years ago. It lost all of its benefits, and now I only use a few times a year when there is a reason to. It is unfortunate the good managers ( seems to have ) left this company.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

U. S. Bank and the PA Treasury sent me a Reliacard which I did not request, nor have I filed for any unemployment benefits. I checked if there were any benefits on this account and there is {$9100.00}. I have no idea how these funds got on this card but I am certain it is fraud. I had to activate this card in order to see if there were any funds loaded. So now the person committing this fraud can request a duplicate card which they probably already have. My phone number was entered into site but when I checked it shortly thereafter the phone number had been changed from mine to another. As soon as I activated the card, the person committing this fraud must have received a text alert. There is no easy way to report this fraud to US Bank ReliaCard. Please make them shut down this account and look into why they loaded {$9100.00} on a card that I never requested.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ogden Holdings, LLC (GA)

Husband lost job, not able to get caught up on payments. Tried to set up promise dates around my pay schedule ( 15th & 30th/mo ), however, the finance company repeatedly calls me from their personal cell phone number and other blocked numbers in attempt to collect my debt. In addition to that, they have threatened me and flat out used offensive and obscene language with me over the phone when I say I'm going to pay my debt on a certain date. 

This is in regards to XXXX XXXX XXXX in XXXX, GA XXXX
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

This company input negative information on my credit report and fails to fix the problem. I have evidence and proof that XXXX XXXX XXXX department sent me that this claim was resolved and this company fails to fix the problem. It is illegal to input negative information on my credit report without me knowing or giving me notice. I need an updated credit report from them and paid for by them letting me know that my report has been fixed and that this is no longer in my credit report on all 3 major credit bureaus XXXX, XXXX  and XXXX. Thanks They have been harassing me with phone calls and fail to fix my credit reports. In order to satisfy my need from this complaint I require a copy from every credit bureau sent to me with tracking letting me know that this issue has been fixed with evidence and proof. Otherwise I can sue this company in state court including attorney fees. All I need to present is the evidence I have and it will be an easy win for me.
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Clear Debt Solutions, LLC (FL)

I received a call from this number. I answered it and it was a messaged that was someone saying they were XXXX XXXX XXXX XXXX XXXX and they were unable to reach me but if I didnt call back there would be an issue with my account. 
I have no idea who it is. I looked up the information and found that others have had the same type of call from this number. It seems to be a scam or a fraud for information.
Consumer complaint received 2024-03-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation (GA)

I submited multiple documents and made multiple calls about the many mechanical issues with my XXXX XXXX XXXX. The car was causing me to spend thousands of dollars and made it difficult for me to keep up with my payments. On XX/XX/XXXX, I called a few times over the course of a month to ensure that my car was voluntarily repossed after I got another car. They have been continuously reporting this car as a regular reposession with a current balance due.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DE)

I have {$200.00} dollars in points for Sears or XXXX except I am unable to use the points due to no delivery, or unavailable in my area. I keep receiving emails stating I have until XX/XX/2021 to use but am unable to do so. No-one is able to assist me or seem to care.