davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (TN)

Cavalry SPV LLC is suing me for an old debt with XXXX XXXX. I have moved 4 times in 3 years. I was not properly notified of a lawsuit or continued issue with XXXX XXXX  since they no longer exist. The debt has not been properly verified.
I opened an account with XXXX XXXX through a XXXX XXXX  store in XX/XX/XXXX. XXXX XXXX wrote off this alleged debt off in XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX became XXXX XXXX. Cavalry SPV bought the alleged debt from XXXX XXXX inXX/XX/XXXX. I dispute the fact that I can be sued for the alleged debt that did not exist as ofXX/XX/XXXX. The plaintiff is named as Cavalry SPV, assignee for XXXX XXXX XXXX XXXX. The plaintiff in this lawsuit is an assignee for a company that no longer exists. Nowhere in the actual lawsuit filing itself is the mention of XXXX XXXX. These details point directly to fraudulent business practices and debt collection directed to a consumer. Cavalry SPV has been named in and accused of fraudulent business practices against consumers for the purpose of collecting zombie debt before and judgements have been issued for the consumer.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX  - Account XXXX XXXX  - Account XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

I was an identity theft victim dating back to 2018 with XXXX police reports that were sent to Experian, XXXX and XXXX. It is 4 years later and my credit still a mess so I hired a credit repair company to help me considering no one else helped. Once again Experian put a fraud alert on my credit preventing me from getting a place to live. They refuse to remove it. The identity theft was committed by my ex husband. I do not want my credit reports with any freeze or fraud alerts. I have had enough. Experian refuses to remove and illegally added the alert. XXXX removed immediately with a phone call Please help me as Experian should be fined.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a settlement payment in XX/XX/2020 to XXXX XXXX  XXXX. My report still does not reflect this payment and settlement. The balance remains. I disputed it 4 times and sent the copies of the money order to all 3 credit bureaus. No resolution.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-09-08
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. (WA)

My account information was compromised and I 've been enrolled in their identity theft protection program without my consent. They also took over a month to make me aware that my information had been compromised. Meanwhile, their executives have been selling off stock in the company before making their announcement. This is in regards to Equifax.
Consumer complaint received 2019-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I've never had an account with XXXX XXXX. This error must be removed : XXXX XXXX - {$1700.00}. It's hurting my credit score for to long now. Ridiculous.
Consumer complaint received 2017-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 2 inquiries from capital one that I did not authorize. 

XX/XX/XXXX and XX/XX/XXXX I 've called to have them removed as I did n't authorize but they have n't been removed yet.
Consumer complaint received 2015-10-13
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (TX)

I have been waiting for my direct deposit from Rush XXXX. I 've been trying to contact them since XXXX and all I get is 5 rings then a disconnection. The company has failed to inform me or a t other users as to what the issue is. There is a severe lack of communication from Rush Card. Not able to access my account online or through their mobile app.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CO)

This is a debt from 2004 for XXXX, it is not my debt and i have disputed it numerous times. They get rid of it and another one of these collection companies buys it and starts harassing me with letters and phone calls. I 'm really tired of being harassed and having my credit threatened by these illegal collection practices. I called this company and told them again it was not my debt and that it was from 2004. They said how do i know when its from if its not mine. I told them i have been fighting this for 13 years. Which by law is way past statue of limitations. They said your going to pay this. I said no i am not. They guy who refused to give me his name, well just sue you and ruin your credit then. i told them not to call my house or job again, do not mail anything else to my house, and it had better no show up on my credit report. The guy laughed and said they 'll call all they want.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-01-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (MN)

I have a fixed loan through Wells-Fargo XXXX XXXX about XXXX XXXX XXXX and I've made payments every single month via automatic payments. I recently went through a process of switching banks and when I went to make the changes on this account with Wells Fargo, their process was not only confusing but I apparently missed a step and when I called them in regards to this they were uncooperative and unwilling to accept at least partial responsibility for at least not contacting me with this issue. Since I've never missed a payment and only had this XXXX issue in regards to switching bank accounts, they made me feel like I did something wrong! Well I did because I missed a step, but in my defense their process was very convoluted and I thought I had done my due diligence in at least following up when I didn't see that the payment had gone through. I've heard horror stories over the years in regards to Wells-Fargo XXXX XXXX simple things like direct deposits into person accounts etc ... .but this is my first negative experience with them and I feel that their process is extremely unfair and that since this was my first issue with them and I caught it right away that they could have been a bit more forgiving but they obviously don't care. I still have XXXX more months to pay this loan! I have attached the XX/XX/2022 and XX/XX/2022 statements. The XXXX XXXX shows the added late fee.
Consumer complaint received 2019-05-11
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: ID Analytics, Inc. (AL)

Well I am a consumer and I received a letter informing me that I was denied credit. So when I look too see the credit agencies they used I see XXXX and some company named XXXX I dont know them and have never heard of this company. Okay so I pulled my scores from all three agencies ( XXXX, XXXX & XXXX ) and they were basically the same but with this company my score is extremely low and this is not accurate and I want something done about it. The letter is dated XX/XX/XXXX although I initially applied for credit on XX/XX/2019 2019
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-09-08
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. (WI)

Equifax leaked my personal information to hackers. This is proof that the company is incompetent and should NOT be allowed to store people 's sensitive information. I want Equifax to delete ALL of my data.
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and Transunion ) in  which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting???
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an XXXX  XXXX credit card through Bank Of America. I called for a pay off amount as I had a small balance ( ~ {$400.00} ). I paid that off the balance on XX/XX/XXXX and I was subsequently shown to have a {$0.00} credit balance on my account. The following month they withdrew {$300.00} from my bank account even though there was a negative balance. I called on XX/XX/XXXX once I found this out and they told me that I had to wait 3-5 days for the deposit to clear before they could process a refund. In the past week, they have charged me an additional {$1.00} ( minimum interest charge ) on a negative balance. This is just ridiculous. I called today and they will begin processing a refund ( less the {$1.00} ) which they still need to process. Bank of America steals my money for weeks and charges me for the privilege, all while charging 21 % interest when you use their card. 
B of A is the WORST!
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NC)

I opened an account with One Main Financial several years ago, One main merged with other companies transferred their account several times. One Main, opened serveral accounts in my name but failed to transfer auto draft after serveral disrupts One main  close all account except one but refuse to remove all the late and deliquent reports on my credit. My current open account number # XXXX, I have contact One Main several times and no one was able to assist.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I would like to write a formal complaint on a credit reporting made by my XXXX XXXX rewards card. On 2019 I was on a financial hardship due to me not being able to work for a whole year due to a physical XXXX I had during that time and was away from my work on disability/ medical leave. On XX/XX/2019 and XXXX XXXX I received a late fee for non payment. I later made a payment to my credit card on XXXX XXXX because I was able to gather all the money because I wanted to pay the entire credit card balance in full. On XX/XX/2019, XXXX froze my account because they stated that my payment bounced back from my checking account. I called my checking account institution to see what happened and they stated that XXXX denied my payment and advised me that it could have been because maybe I was paying such a large balance XXXX {$13000.00} XXXX at once but told me that there was nothing wrong with my checking account and to try to schedule the payment again. So on XX/XX/2019, I called XXXX to get the account unfrozen then I scheduled a payment again with XXXX and this time it was successfully paid off. I called XXXX to see if they could remove the late fee I had for XXXX so it would not be past 30 days late payment so the representative was able to remove the late fee and I asked her if this would be reported on my credit report since she is removing the late fee for XXXX and she assured me that It would not be reported because my account was frozen so I could not make any payments until I contacted them. After that payment as well as another one I made to pay off the accumulated interest, the account was fully paid off and in {$0.00} balance ever since. 
I just recently checked my credit report a few months ago and I found out that the late payment for XX/XX/2019 was actually reported to all three credit bureaus despite them assuring me that it would not be reported. I have called XXXX several times to see if there is any way to correct this and they have told me that they can do nothing about this situation.
Consumer complaint received 2017-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (TX)

Speedycash say that I owe them a loan back when I did n't get a loan from them. Now that 's on my credit report saying I owe them {$830.00}. When I do n't owe them nothing. And that 's messing up my credit score so I was trying to get them to remove it off my credit. Thank you!
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2017-06-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Last week I received a cashier 's check ( issued from XXXX XXXX ' XXXX XXXX out of North Carolina ) in the amount of {$1800.00} as payment for some furniture I was selling. However, the furniture sale price was only {$140.00}. I did not know the person as I sold the couch via the XXXX mobile app. They informed me that they were out of town and buying the couch for a relative. I deposited the cashier 's check via Chase 's mobile app, but it was pending for a few days. I eventually called Chase and they contacted the credit union who issued the check. They confirmed the funds and released them to me and it posted to my account. I was then instructed to take the remaining {$1700.00} and deposit it into their XXXX XXXX XXXX account for the movers. I had the teller verify the account name and number beforehand. On Monday, XX/XX/17, the {$1800.00} had been returned as the check ended up being fraudulent. Therefore, I had {$1700.00} stolen from me. The name of the remitter on the check was XXXX XXXX XXXX. However, they went under two different names ( on the XXXX XXXX XXXX account and XXXX app ). I have already reached out to Chase, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and have received no resolution. I also filed a police report with the XXXX County Sheriff 's office here in Florida. The case number is XXXX.
Consumer complaint received 2017-09-08
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: Santander Consumer USA Holdings Inc. (NC)

I sent Santander a formal notice to cease a unauthorized hard inquiries into my credit report and, a formal demand that they immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have a illegal inquiries removed. I also made the aware that I did not sign any documents authorizing their organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
However, I ask them to forward documents that they believe authorizes Santander to make inquires into my credit report, I respectfully request a copy of this documents be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests within 15 business days. Also I will forward a copy of this letter to the Creditor Bureau 's.