davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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: Continental Finance Company, LLC (MD)

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  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NM)

1. When I make a payment on-line, US Bank does not expose that payment on the site. There is no record of the payment until US Bank processes it which could be a day or two later. For example : I made the payment on-line on XX/XX/XXXX, immediately after making the payment I look around for the record to confirm the details of the payment, but I can't find any record of it ; and I look the next day, and it's still not posted. Essentially, I have no record of the payment until US Bank gets around to processing it a day or two later. 
2. My due date is, for example, XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX  Central Time, I log in to US Bank website and pay my bill. US Bank considers it a late payment because it was after XXXX XXXX  Central time. I was told it was because they don't process any payment that comes in after XXXX XXXX  until the next day. The late fee is {$41.00}. This policy is not noted anywhere on the website and when a payment finally posts to the internet it doesn't include a posted " time '', so you can't defend yourself from the late fee should you have paid it at XXXX XXXX  Central time. How could you prove it? 
4. When I asked to speak with a supervisor I was told that they would send a message to the supervisor and I would need to " make myself available '' to receive a call the next day if I wanted to rebut the late fee charge. I couldn't just submit the request over the phone and there was no other avenue to do so. I explained that I worked and would not be able to " make myself available '' for an unscheduled incoming call for non-work related business during my work hours. I was told it was the only way I could request a refund for my late fee. 
5. US Bank does not offer any way to submit a ticket or send an email when you have an issue, it's only by phone during US Bank hours and there is no immediate escalation process in place.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Jefferson Capital System has not provided me with a contract that shows I entered an agreement to pay the debt they say I owe them. When I called and spoke to someone they claimed that they could not even pull up the account number they it shows is listed on my account per the credit report. I owe them nothing.
Consumer complaint received 2019-08-12
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. (MO)

An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. XXXX reports the item as Open and active in collections. XXXX reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.
Consumer complaint received 2021-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC (SC)

I always pay my loans on time and I also renewed my loans but fell behind payments and started getting harassing phone calls, visits to my house and threats, so I called up there the lady manager got loud and rude and started making threats to me about going to the court house she gave me until tomorrow to make a payment with a very loud rude voice Credit Central XXXX XXXX XXXX SC XXXX
Consumer complaint received 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : Major XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

I am writing to express my dissatisfaction with the handling of a recent dispute regarding unauthorized transactions on my Chase account. On XX/XX/2024, I received a notification regarding an XXXX transaction I did not authorize. I also received a fraud alert notice email from Chase stating they declined a transaction from XXXX XXXX XXXX XXXX for {$7.00}. 
Immediately, I contacted Chase customer service to report this fraudulent activity. A representative promptly assisted me in canceling my debit card and assured me that a new card would be issued. Furthermore, the representative assured me that the funds in question would be refunded pending investigation. 

However, on XX/XX/2024, I received correspondence from Chase indicating that they had concluded the transaction was processed by the information provided or was authorized. Consequently, they proceeded to deduct {$27.00} from my account. This decision was made despite my explicit denial of authorization for the transaction and my prompt reporting of the issue. 

Upon contacting the claims team to dispute this decision, I was disheartened to encounter resistance and skepticism regarding my claim. Despite reiterating that I did not authorize the transactions and that they were not associated with my XXXX account, I was met with skepticism. The claims representative cited my prior use of XXXX as evidence of authorization, disregarding my explicit denial. 

Furthermore, the suggestion that I could have prevented this situation by reporting my card as lost is deeply troubling. I had no reason to believe my card was compromised until this unauthorized transaction occurred. The implication that I am somehow at fault for not preemptively reporting my card as lost is unjust and lacks consideration of the circumstances. 

Moreover, the claim that XXXXXXXX XXXXcanned the PIN does not absolve Chase of responsibility. It is evident that my card information was compromised, possibly through unauthorized means, and used fraudulently. Despite having my card in my possession, I reiterate that it is entirely plausible for someone to obtain card information through various means, or online breaches.

In light of these circumstances, I urge Chase to reconsider their decision and to provide appropriate restitution for the unauthorized transactions.
Consumer complaint received 2021-05-05
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)

Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION. am requesting the disputed accounts be removed.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (IL)

I was notified that Affirm reported my payment as late on XX/XX/2023 via XXXX. As shown, I used Affirms text payment option to pay the minimum payment for this account on XX/XX/XXXX and Affirm reported the payment late on XX/XX/XXXX. I reached out to Affirm for clarification and wasn't given any specifics as to why my payment was reported late after using the text to pay option. Please remove any inaccuracies from my credit report.
Consumer complaint received 2022-09-15
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: Stellantis Financial Services US Corp. (TX)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-22
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: Experian Information Solutions Inc. (FL)

Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth :XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$3400.00} USDOE/XXXX {$18000.00} XXXX  XXXX  {$9400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) {$110.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (CA)

In accordance with the fair credit reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC is 1666B a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc. (IL)

Business contacting me deceptively claiming to be in business with another individual ( that I do not know ). I believe they thought I did know the individual and were trying to get me to reveal contact details so they could contact them. I do not have any dealings at all with this company. They lied on the phone about who they were, and I thought at first they were a scammer trying to get info from me about people I might know to hack some account of mine. After XXXX the phone number I traced it back to this business and called directly and it was the same person that had contacted me lying about their identity.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (RI)

Account 'frozen due to risk management ' since XXXX of 2020, have tried endlessly to contact them including providing documents upon documents that they requested from me until they just stopped responding via email. They have over {$500000.00} worth of my assets in the form of cryptocurrency on their platform and will not respond to anything. I have plenty of tickets and corresponding emails where they requested me for identification items that i submitted until they completely stopped responding to me. I opened a complaint before, but they said they requested documents ( i sent them everything they asked for, if they say otherwise, please request what is still outstanding, i have any and all information they could ever need. ) and that i didn't send them, and my cfpb ticket was closed unresolved.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is a mobile phone, the person they are attempting to harass does not own this phone. The number of attempts are unlawful and is harassment. They get a number and they dont care who owns it or anything and turn their computer system and auto-dialer on people.
Consumer complaint received 2022-04-27
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Installment Accounts : XXXX XXXX XXXX XXXXXXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-02-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$20000.00}, {$2000.00}, {$15000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 
3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (TX)

THE BUREAUS have illegally purchased and reported and fraudulent account that was resulted from Identity Theft..They have failed to contact me as required by the FDCPA, They have also violated the FCBA and multiple other reporting violations by falsely reporting this account
Consumer complaint received 2019-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast to Coast Financial Solutions, Inc. (NV)

Received notice in mail dated XX/XX/19 indicating a past due amount of {$50.00} owed to XXXX XXXX. We autopay XXXX XXXX through our checking account. Letter is threatening in nature.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX/ {$6000.00} / XX/XX/2022
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Apparently the was some type of dispute that I did not initiate having to do with my Capital One platinum credit card. I have had several dates told to me by Capital one Supervisors. Back in XXXX of 2020 a dispute that lasted 7 months long lead to my credit card being deleted from XXXX completely. Then it was back in XXXX of 2020, was lied to so many times its just plain despicable. Spent hours and hours on the phone with Capital One. Hours lead to days of making several calls about this so called dispute information. The whole thing is I did not initiate any dispute about my platinum credit card until I saw my XXXX   score drop like 40 points back in XXXX of 2020. Was just about to have a good score until this incident. Then I was told to send a letter to some special credit dispute center and was told it was the wrong address, by another so called Supervisor. Now my credit card was deleted along with an exceptional payment history from XXXX. Just like the card never existed. I have 2 Capital One credit cards and seeing disputes even on XXXX that I did not initiate. The card is being reported on XXXX and XXXX for now but wouldn't be surprised if its deleted from one of those 2 bureau 's as well.