davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCC Business Services, Inc. (MA)

NCC Business Services continues to report and is actively trying to collect on a rental contract agreement that was not assumed in my discharged bankruptcy fromXX/XX/XXXX. The rental contract is void as any contracts and leases I had at time of filing were not assumed and were discharged. Any amounts owed in rental lease I singed I am not responsible for. This company has reported these amounts owed from the contract on my credit report. They were contacted XX/XX/XXXX with documentation not remove from my credit report. They have not been respondant after the pass of a 30 day investigation. They are causing harm to my credit report.
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Windham Equity Company (DE)

I purchased a XXXX XXXX from an Auto Sales lot in XXXX Delaware in which I later learned that the XXXX was through a Lease Rental company. This XXXX later began to have transmission issues. I reached out to the company and explained the problem to the account manager. I made the account manager aware that I was going to have the XXXX serviced and he agreed to pay half of the cost. When the tech at the XXXX dealer gave the estimate for the work needed to be done and the cost which was {$1100.00} - {$1200.00}, I contacted the account manager. At this time, he didn't want to follow through with the verbal agreement. Instead, he forced a refinance because he didn't want to stand behind statements he made. This is a lack of integrity by the company to me! At that point, I was now stuck with paying the service bill to get the XX/XX/XXXXout of the shop and make payment, etc. I had to borrow {$600.00} from my employer to get the XXXX out of the shop. I felt that this lease company could no longer be trusted because of the way they handled this situation. I advised the account manager that I was no longer interested in doing business with them. Lease Rentals waited several months to retrieve the XXXX. Consequently, Lease Rentals sent out notices to make me look like the bad guy which is why I've been disputing this charge-off/collection. This is just so wrong. Companies like this shouldn't be able to just take advantage of people!
Consumer complaint received 2020-11-29
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

After applying for a credit limit increase for both of my capital one credit cards, I would get an automatic letter stating that I had not qualified for an increase because of my credit score.  Every time the system pulled my credit score, it was off by at least 100 points which explains why the credit limit increase was not approved. The customer representatives are not able to do credit limit increases and are not familiar with how their own bank system works in regards to credit limit increases.
Consumer complaint received 2016-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

I have requested verification and validation from this company and they refuse to provide it to me. I sent them a certified letter requesting this information. They have no provided to me in a timely manner. This is my formal and last request for this information. You can email this information or mail. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Last XXXX of my ssn are XXXX and my date of birth is XXXX. This information needs to be removed off of my credit since you can not comply with the law. I will file a suit against your company if needed to protect my rights. I also see that you are based out of XXXX.. Are you bonded to collect in my state?
Consumer complaint received 2022-01-06
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)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00}.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

This a second request. I have accounts on my credit that don't belong to me. Someone is using my name. I never filed bankruptcy either. Please remove it immediately. I am not a credit repair company and I sent you my personal documents to prove that it's me.
Consumer complaint received 2017-09-09
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. (PA)

Equifax was the victim of a hacking incident on or before XX/XX/XXXX that involved the theft of personal information of approximately 143 million persons. The data stolen included social security numbers, home addresses, full names and birthdates. I used the website that Equifax provided, www.equifaxsecurity2017.com to see if my information was among those compromised. Equifax suggested that they believed that it was. I have placed a 90-day fraud report on my credit report via XXXX 's phone service. 

Equifax was made aware of the breach on XX/XX/XXXX, but did not notify any of the affected persons until XX/XX/XXXX, over a month later. This is a serious breach of trust on the part of Equifax. Additionally, Equifax has set up a website that seems to treat the data breach as a marketing opportunity. www.equifaxsecurity2017.com does not explicitly tell consumers whether or not they are among the consumers affected. It merely suggests that they may be affected and then begins a sign-up process for Equifax 's credit monitoring service. Finally, Equifax clearly did not take strong enough measures to protect consumer data.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both equifax and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!
Consumer complaint received 2022-01-06
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. (MN)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/XXXX all four of my capital one credit cards were restricted. I contacted capital one to see what the issue was, and I was transferred to the fraud department and told that I needed to provide proof of all my authorized users that are on 1 of my four credit cards. I was told to provide a front and back copy of their driver license and a copy of their social security card. I uploaded everything on the upload portal as requested. Unfortunately, the portal only allowed certain sized documents to be uploaded so I was concerned about whether everything was uploaded successfully or not. After calling to confirm that everything was successfully uploaded, I was told that it would take 7-10 days to process this information and was then told that I would be contacted if any additional information was needed. I was never contacted and every time I called the company about the status of my " case XXXX '' I was given different responses. One person told me that It was still being investigated and to try calling back. Another person told me that all of my accounts were closed for violation but was unable to provide me any details about the violation. The last time I spoke with someone I was told that a case manager would contact me regarding the status of my case. I have not heard anything from anyone. Yesterday, I received an alert from XXXX XXXX, and XXXX saying that all four of my capital one accounts were closed by the creditor. I'm beyond confused and highly upset that adverse actions were taking on me for just adding close loved ones to my account in efforts of teaching them how to properly use and manage credit cards. I've been a customer with capital one since XXXX and feel blatantly disrespected. I also don't understand why all of my accounts were closed without justification.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (TX)

I don't recall having a contractual relationship with this collection company CKS PRIME INVESTMENTS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-03-31
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. (PA)

These Inquiries listed in this affidavit are in accurate. I did not inquire with these companies. Please remove these INQUIRES immediately as they are causing me harm as a consumer. Due to only being able to list XXXX here are the others. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and need these removed.
Consumer complaint received 2020-09-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Remitly, Inc. (TN)

Please review my email to Remitly describing our issues regarding a money transfer to the XXXX from the US. This email was an attempt to resolve all the charges. However, Remitly will not answer my email. Therefore we are requesting your assistance to arbitrate this matter. 



Transfer date of XXXX XXXX. 

Including screenshots of transaction fees. 


XX/XX/2020 Email to Remitly : To whom it concerns, We used your service for the first time to send funds to the XXXX on XX/XX/2020. We took advantage of the no service fee for first time use. However there was a {$29.00} fee? With a higher exchange rate I reluctantly agreed. That was misleading. Upon reviewing my Visa statement I was charged an additional {$44.00}, plus interest for cash advance that I did not agree to. Theres also daily interest being applied. To date your service has exploited me over {$74.00} USD to send funds. 


Prior to using your agency we used XXXX numerous times. Which only has a transfer fee of {$5.00} to {$7.00} which is upfront and not hidden. They also do not use cash advance merchant codes. 

My Visa company has been made aware of your misleading terms and conditions. They also reviewed your website and agreed with the terms being ambiguous. 

Will allow you the opportunity to respond before filing a formal compliant with the appropriate authorities. 

Two screenshots attached. 

Best, XXXX. 






Auto response from Remitly : Dear XXXX, We currently have limited customer service available as we protect our global team and align with public safety precautions for COVID-19. At this time, we are not able to offer email support and are unable to respond to any email message you send us. 

We truly appreciate your understanding and patience and apologize for the inconvenience to you. 

We encourage you to find easy answers to your questions on our Help Center, such as : Track your transfer Edit your transfer Cancel your transfer Why is my transfer on hold? 
How sending limits work If you need to reach out to us, you can find the latest information on what customer service options are available here. 

As always, thank you for choosing Remitly.

The Remitly Team Not able to locate any account or transaction numbers?
Consumer complaint received 2019-03-08
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)

Equifax and XXXX are reporting me as 120 days late on the XXXX XXXX XXXX XXXX account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (SC)

On XX/XX/year> I filed a dispute on fraudulent activity on my account to chime in which happened on XX/XX/year> for the amount of XXXX someone XXXX XXXX  there self from my banking account of the name of XXXX XXXX my bank fail to notify me about anything pertaining to the case then I checked my account says its been denied I should have a email about reason on XX/XX/year> check email no email from chime
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

I filed a dispute after letting my friend use my spare phone. I was still logged into everything and she spent money that I did not give permission to spend. I filed a dispute once the charges settled. Cashapp then closed my account for violating the terms of service and/or acceptable use agreement. Would not tell me specifically what I did that was a violation.
Consumer complaint received 2022-03-31
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. (PA)

These Inquiries listed in this affidavit are in accurate. I did not inquire with these companies. Please remove these INQUIRES immediately as they are causing me harm as a consumer. Due to only being able to list XXXX here are the others. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and need these removed.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

all credit reports XXXX XXXX XXXX equafax I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies
Consumer complaint received 2018-06-08
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. (FL)

I was a victim of identity theft, I tried with all 3 credit bureaus to get the inquiries from the last year removed, since I did not authorize them, the credit bureaus refuse to delete these inquiries which are hurting my credit score.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IL)

I opened a XXXX XXXX account in XX/XX/XXXX in that time I have been late with payments. However I have paid my balance. My credit limit was {$350.00} for three years. On XX/XX/XXXX XXXX XXXX went into my account and changed my credit limit to {$100.00} dollars. I recently submitted them a payment on XX/XX/XXXX of {$150.00} dollars. I received no warning about them decreasing my credit limit and they have never done this before. I informed them that I did not want a credit with a limit of {$100.00} dollars and that was not my initial credit limit. Customer Service and the Supervisor informed me that I could close my account and it would be reported as a closed account on my credit report which would lower my credit score. I feel like I am being forced to keep a card that the original limit was changed and if I don't it will affect my credit score. I have no documents because I was never notified by mail. I had to call them myself
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

My prepaid card account was suspended on Sunday XX/XX/2020 after making an online purchase at XXXX XXXX  XXXX I was not notified. I tried to use the card again about a half hour later to make an online purchase at XXXX and my card was declined. I tried to log into my account and I kept getting an error message. I tried again on Monday but still could not log on. I was sent a balance statement that gave my balance but did not say anything about my account being frozen. On Tuesday the XXXX I tried calling, but found out there was a long wait and couldnt stay on hold that long. On wednesday, I called again. After being on hold for 2 hours, I was finally connected to someone who told me my account was suspended but they could not tell me why. She said I should be contacted within 1-2 business days and to call back if I didnt hear anything. I called back today and waited on hold for over 3 hours. I was told the same thing I was told on Wednesday. When I told her Id waited 2 days already, she said I would have to write a letter. I asked, then demanded she put me in contact by phone, or give me a phone number. She refused, but did eventually connect me with her supervisor. He told me my account was suspended because a purchase I made went against their conditions for use. But he would not tell me what that purchase was. Since I had just gotten that card a week before, and only used it for the books, XXXX groceries and XXXX XXXX, I knew I had not made an illicit purchase. He said they had no way of contacting anyone who could help me but kept telling me to write a letter. I am filing this complaint because theyve kept my money without tellling me that they did it, or why they did it and without giving me a chance to dispute their decision. This has put me under stress and financial hardship as the {$140.00} I had in my account was all the money I have. Also my social security widows  benefits was set up for direct deposit into this account and the deposit was rejected. I now have to wait longer to get that money and take get something else set up and will have to borrow money to get things I need till then.
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-06-08
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. (FL)

I was a victim of identity theft, I tried with all 3 credit bureaus to get the inquiries from the last year removed, since I did not authorize them, the credit bureaus refuse to delete these inquiries which are hurting my credit score.