davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2021-05-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Community Health Investment Company, LLC. (AR)

COLLECTOR FAILED TO PAY OFF LIEN AS AGREED.ACCOUNT XXXX XXXX XXXX {$3000.00}. SEE ATTACHED. PAY OFF AND PROVIDED RELEASE OR FACE CLASS ACTION LITIGATION.
Consumer complaint received 2020-11-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Within the past month, the so called " ligitation '' company for ACE Cash Express has contacted ex-relationships, in-laws, long-distance relatives and employer to collect debt. Initially, I spoke with a representative and informed her that my family is affected by the COVID-19 pandemic which they did not seem to care much about. After a couple weeks, they reached out to one of my ex-relationship to leave a voicemail about me being served papers to my employer and/or residence. In that same day, they reached out to a long distance relative and left the same voicemail to contact XXXX XXXX. When I called back, the lady said there was noone by that name that worked there and they did not control who they called. Also, she refused to give me her name since I did not make payment arrangements. AGAIN, COVID is still affecting my family so I can make promises with no stable income. Very rude and unprofessional and threaten to be served papers.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (PA)

On XX/XX/XXXX, I initiated a balance transfer with Discover in the amount of {$4400.00} with no interest until XX/XX/XXXX. I have been making at least minimum due payments on my account. I have recently started making large payments in an attempt to reduce the interest I will be charged on XX/XX/XXXX. I looked at my last couple recent statements and noticed that of the {$1300.00} in payments that I've made for the time period of XXXX, only {$270.00} has been applied to my balance transfer remaining amount. I spoke with a Discover employee and a manager via online chat today, XX/XX/XXXX. I was advised that their policy is to apply any payment amount over the minimum due towards the purchase balance with APR. I asked if they could please make an adjustment and apply my payments to the balance transfer amount. I was told no and that no one at Discover could help me. I've been saving up trying to get this balance down to avoid interest and get my family back financially. I'm not asking for interest to be waived or anything like that... I just really need all these extra payments applied to the balance transfer. I was told the only way to get no interest charged on the balance transfer was to pay my complete balance for everything in full. Crazy how Discover 's motto is " We treat you how you'd treat you ''.
Consumer complaint received 2022-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Credit card company XXXX ( Bank of America ) sold my account to another company ( XXXX ) but XXXX never closed the account. I'm paying XXXX and XXXX monthly for same account. 

XXXX and XXXX member number are the same # XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX I've been calling and dealing with this for a year and I'm paying XXXX   {$50.00} a month and XXXX {$97.00} a month. This is a financial hardship for me, the money is being taking out of my account and no one is helping me. I've called XXXX who sold my account and no one can tell me why they are still taking money from my account. I'm retired and going through financial hardship and in desperate need of help. Both accounts are closed.
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I dont have account I have several inquiries that have to be that inquiries reached capital one on XX/XX/XXXX and was transferred XXXX x with no help or resolution to get this removed it is theft not me theft of identity for some attempting to apply in my name I reached XXXX XXXX department they saying file FTC report to get the inquiries removed frustrated and hurt capital one Was terrible XXXX transfers. I have even signed up last year to stop all mailers for card solicitation in my mail box and notice last inquiry was XXXX. I need them removed please tearful plea.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Account Control Bureau (LA)

In XX/XX/XXXX, I disputed an account on my credit report directly with XXXX, XXXX  and XXXX   concerning an account with Account Control Bureau. At that time, Account Control Bureau sent me a handwritten letter stating charges from an apartment complex. This document did not contain my signature or any way showed any evidence that I agreed to take responsibility for this account. On XX/XX/XXXX, I sent Account Control Bureau a certified letter asking for debt validation of the account including a contract with my signature from the original creditor and proof that they are legally able to collect this debt. The certified letter was received by the company on XX/XX/XXXX. I have not received any response from the company concerning my request.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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 2021-08-16
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. (NJ)

Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership ( XXXX XXXX XXXX  ) along with XXXX 's support team could not fix. With help from XXXX XXXX XXXX XXXX through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX ( which owns XXXX  ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made XXXX XXXX payment, but XXXX XXXX requested a check from XXXX financial because the account was placed in a protective status and I was not required to make XXXX XXXX payment. The car was returned on XX/XX/XXXX. Due to the car being defected, all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.
Consumer complaint received 2021-05-03
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 (OH)

PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in English but after more than XXXX XXXX of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. 

My email is XXXX XXXX
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have contacted Equifax since XX/XX/2017 to inform that multiple inquiries were showing on my credit that I am not aware of. I sent another certified letter explaining that the inquiries came back verified, so please submit proof of how this was verified. As of today 's date no inquiries have been removed from my report that I disputed.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AZ)

Discover Financial Services is reporting each month that I am at 98 % of my credit limit, yet they charged off this account in XX/XX/2016. Discover sent me a tax statement that they sent to the Federal Government that states this amount is no longer on my account, yet they continue to report this to all three credit agencies every month. 

This has resulted in an incorrect reporting of my account to Discover. I do not have an open account with a balance at 98 % of my limit with Discover, they closed the account in 2016, and charged off the amount, receiving a credit on their Corporate taxes in the full amount they claim I still owe them each month. 

Discover is incorrectly reporting the status of this account, and it should be immediately changed. My credit report reflects again this month that my balance in 98 % of my limit. How can I be at 98 % of my credit limit when there is not longer an account open? How can Discover claim an amount that they charged off and received credit for by the Internal Revenue Service of the United States? 

I want Discover to change this notification to my credit report that states the amount was charged off in XX/XX/2016, and that there is no longer a balance owed on this account.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carvana Group, LLC (VA)

I bought a XXXX 2015 XX/XX/XXXX from Carvana aroundXX/XX/XXXX. I bought the car and then traded it in for an XXXX XXXX   2015. When I did this, I had XXXX send the payoff amount that they quoted me, to themselves for the XXXX. Carvana/XXXX is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to XXXX  and Caravan and it was approved. The issue here is that on my credit, XXXX  shows a charge off amount for the XXXX   on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX off my credit as I properly traded that car in for the XXXX XXXX.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, I received an email from Chase saying that {$8500.00} wire transfer was made from your account. This wire transfer was not authorized by me and was initiated by XXXX XXXX. I have no knowledge of XXXX XXXX. On XX/XX/2020, I went to Chase and instructed that a freeze be placed on the account and to credit my account immediately for the {$8500.00} unauthorized wire transfer. Chase refused to credit my account and said that I had to wait unit the Claims Department finished an investigation.
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX and XXXX did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year 2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.
Consumer complaint received 2021-09-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (TX)

Santander repeatedly abused me by continuously calling several times a day. After receiving my letter advising them not to contact me unless they are terminating the alleged outstanding balance. They called and I spoke to one of their representatives. Santander will do what they want to do regardless if they are violating my rights as a consumer. The last tactic was to send me a " Notice of Intent to Accelerate and Requirement of Strict Compliance '' letter threatening to repossess my vehicle. How can one repossess something that does not belong to them? 

Santander continues to try to destroy my reputation with such antics. I never gave them written permission/consent to report any of my factual data to any credit reporting agencies or any other entity. 

I have attached all of the documents sent to them. Please assist with resolving this matter.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

upon revieing my credit report to try to obtain a rental property i noticed that there were numerous items on my report that did not belong to me. XXXX acount # XXXX for {$84.00}, XXXX account # XXXX for {$98.00} and XXXX XXXX account # XXXX for {$830.00}. Theses account are not mine and do not belong to me i have never had these acoounts before. I have also made a report with identitytheft .gov report # XXXX please remove these account from my credit report immediately.
Consumer complaint received 2020-06-04
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. (TN)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account number : XXXX Account Name : XXXX  Account number : XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX has re-aged 2 old accounts and is reporting 2 obsolete delinquent tradelines on my TransUnion credit report. I have not made a payment on either of these accounts since XX/XX/XXXX. Both debts were forgiven and paid in full by the federal government on XX/XX/XXXX. Under the Fair Credit Reporting Act, debts can only be reported on a credit report for seven years after the date of the first delinquency. The federal government forgave and paid these debts without my prior knowledge, request, or any such submitted application. I unexpectedly received a letter informing me of this on XX/XX/XXXX. The final payment made on XX/XX/XXXX for {$290000.00} was not by me. It is a violation of federal law under the FCRA 623 ( a ) ( 5 ) ( A ) for Nelnet to re-age these accounts and for TransUnion to continue reporting them. Re-aging is when a creditor changes the date of the last payment on a debt to a more recent date than is accurate. I did not request, initiate, or cause the last activity of the final payoff. I requested a copy of my original federal student loan consolidation contract on XX/XX/XXXX and only received the attached automated response and no follow-up in over 4 months.
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IA)

I noticed a collection account on my credit report from LVNV Funding LLC, about a {$1100.00} debt I never new existed ( because I never borrowed that money ). The debt was XX/XX/XXXX from XXXX XXXX Bank. It was reported to the collection bureau on XX/XX/XXXX, which negatively impacted my XXXX credit score. However, to this day, this collection is not showing up on my XXXX or XXXX credit reports, or anywhere else that I can tell. I suspected fraud from day 1. So, I contacted both LVNV Funding ( the collection agency ) et XXXX XXXX Bank ( the Supposed lander ). Neither has my information on record. They could not tell me anything about this loan that I supposedly took, or the collection. That's when I contacted XXXX, who let me know that they were going to start an investigation, but also advised me to file a report with FTC. This is how I got here.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX Chase Credit Card and XXXX XXXX both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to XXXX delinquencies within the last three months, Chase Card & XXXX XXXX XXXX. 

Chase Card & XXXX XXXX XXXX Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help