davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each credit bureau.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP (TN)

This is my 2nd loan with Republic Finance. The 1st was paid off early. I have paid on this loan about 18 months now. This payment was due XX/XX/XXXX but I didn't pay it on time. However, it was paid before the next one was due. In XX/XX/2018, after several days of calls. I asked for a deferment to get back on track but was told they don't do those but could renew the loan. I told them I don't want to renew the loan. I was advised that is the only assistance available to me. After several days of calls. I told them to stop calling me. I didn't get any more calls until XX/XX/XXXX or XXXX timeframe. I told the same person as before I had told them not to call me. She then said they have to have it in writing. I told her that is not true. She said that is their policy. To have it in writing. I told her fine so when I went in to make the next payment on XX/XX/XXXX I asked for a sticky note and put it in writing. I also put that none of my contacts or my job was to be contacted. She had to check with XXXX to make sure it was acceptable. XXXX told her to put it in my file. However, today I was checking my credit report and saw that they did a hard inquiry on XX/XX/2018. My loan was not 30 days late and to this date has never been 30 days late. There was no reason to pull my credit. I want to know how a company can just pull the consumer 's credit report for no good reason and decrease their credit score. I can to some degree understand the need to renew the loan. That's how they make their money but if someone is truly needing assistance to maintain or increase their credit score, it makes no sense to intentionally harm them.
Consumer complaint received 2022-05-03
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. The following accounts listed as inquiries on my report were not made by me. 

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
Consumer complaint received 2022-05-03
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. The following accounts listed as inquiries on my report were not made by me. 

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
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have an old credit card with Capital One Bank - I use it intermittently, with the balance being paid regularly. 
requested an increase for a credit limit in XX/XX/2022, and received the following rational for refusal of a credit increase " Recent use of this account 's existing credit line has been too low '' I followed up in XX/XX/2022, after taking advantage of their offer to transfer a loan from another bank for XXXX interest for a limited time. 
This time the denial was very interesting. 
" Your average monthly payment has been too low '' " Recent payments on this account have been too low '' Given that their offer for a XXXX interest rate transfer does not require more than a minimum payment until the due date, their response was as expected. 
Capital One bank is violating Federal law by discriminating against XXXX
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.
Consumer complaint received 2018-03-07
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. (MA)

NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!
Consumer complaint received 2018-03-07
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. (MA)

NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00},XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXXXXXX XXXX Account Number : XXXX Bal : {$4800.00} 2. XXXX XXXX Account Number : XXXX Bal : {$840.00} 3. XXXX XXXX Account Number : XXXX Bal : {$2800.00}
Consumer complaint received 2023-01-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Please be advised that as of XX/XX/XXXX, two ( 2 ) separate notices went out on XX/XX/XXXX & XX/XX/XXXX ( see attached ) to EQUIFAX, XXXX and XXXX requesting verification of the undermentioned debt ( s ). 

It has become increasingly clear that EQUIFAX, XXXX and XXXX are willfully negligent in rectifying my affairs. They are willfully and negligently failing to remove unverified accounts included in my consumer report, and to employ reasonable procedures to assume maximum possible credit reporting accuracy. I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the FCRA and FDCPA. 

EQUIFAX, XXXX and XXXX were given 30 days from the date of notice, and another 30 days with the second notice -as a courtesy, they were to provide supporting documents and PROBABLE evidence that I have any obligation to the undermentioned alleged debt ( s ). 

EQUIFAX, XXXX and XXXX were unable to produce said requirements within the generously allotted threshold, and by Federal Law they are required to remove the accounts from my consumer report without prejudice due to their negligence. 

At this point, You, EQUIFAX, XXXX and XXXX, and its representatives /agents are Civilly Liable for willful noncompliance under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) on your transgression against me, a federally protected natural consumer identified in 15 U.S.C 1692a ( 3 ). I can take lawful action for your violations by assessing a penalty/fine of {$1000.00} each violation. In addition, if you do not comply fully you will be obstructing justice and can be held in contempt to be tried as a criminal in a court of law. 

I made a conditional offer to settle this matter upon lawful verification of this alleged debt in the correspondence sent to you. You, EQUIFAX, XXXX and XXXX failed to respond and illegally continued to allow the debt collector to proceed with collection activities and furnishing information of unverified accounts to my consumer report in violation of Federal Law. 

Under the FCRA, any information that is inaccurate, incomplete, or unverifiable, must be removed or corrected, usually within 30 days and since EQUIFAX, XXXX and XXXX were unable to provide me with a copy of verifiable proof within the allotted threshold, EQUIFAX, XXXX and XXXX must remove the accounts listed below. 

I demand the following accounts to be removed immediately or I will be taking this matter into Arbitration and/or file suit against you for damages for violations of the FCRA : XXXX XXXX - ACOUNT NUMBER : XXXX - BALANCE {$35000.00} -XXXX XXXX  - ACCOUNT NUMBER XXXX XXXX - BALANCE {$680.00} -XXXX XXXX XXXX ACCOUNT NUMER XXXX XXXX - BALANCE {$34000.00}
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am a victim of identity theft. First I started getting calls from creditors that were threatening concerning accounts I know nothing about. I decided to look at my credit and noticed addresses I never lived at & fraudulent accounts that don't belong to me. I immediately called the cops to get a report.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I sent a certified letter to Equifax on XXXX, disputing items on my credit report. I have not gotten a response from them it has been over 30 days. according to the fair reporting act, these items should be deleted
Consumer complaint received 2018-10-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (NJ)

I took out a payday loan on XX/XX/2018. The interest rate they are charging is 474.999 %, but the cap in NJ is 30 %. When I called and told them, they said it was a tribal agreement and does not apply to them.
Consumer complaint received 2022-05-03
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. (VA)

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Consumer complaint received 2020-10-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$0.00}, {$5100.00}. 
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 on XX/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 {$2700.00} -This is not my account.

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

I have sent several letters to Midland requesting validation of the debt. I have come to the point where I feel they are ignoring my request. I requested proof of the debt from the credit bureaus, they sent me a bill. Midland sends me a lette that they are unsure of what I am disputing. The credit agencies claimed it was verified so here i am taking it a step further by placing this complaint. After doing my research on the company, I see that they have a consumer first policy but obviously they have put me last. I have recently lost my job and to receive a bill from Midland stating I owe a debt thats not mine is ridiculous.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, while at work I received an email that my utility bill had been declined of payment, I then begin to look into my account, because I know I had the funds needed as I had just received my school refund on XXXX XXXX. When logging into my bank account, I notice my available balance was showing {$30.00} in my account, I then proceeded to look at my transaction history, where there were fraud charges made on my account one made on XX/XX/XXXX at a ATM location for three amounts of {$200.00} and one amount of {$100.00} on XX/XX/XXXX, the thief proceeded to also visit a second location, where they then took two more charges of {$200.00} taken out my account. These are not charges I am aware and did not authorize to be taken out my account. These transactions are all fraud transactions. So on XXXX/XXXX/XXXX when I realized the charges made I then reached out to my bank to cancel the card and get a replacement, and as well open a dispute investigation with my bank. These charges are being investigated by my bank now, and up to 45 days. I have reached out to the locations where the fraud happen on XXXX and XX/XX/XXXX to obtain additional information they could give as I am aware ATM locations does have cameras, however, I have yet to get a response or phone call back. As well as I did reach out to those city police departments and was directed to file the report with my local department.
Consumer complaint received 2020-10-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2100.00}, {$6600.00}, {$0.00}, {$8700.00}, {$9500.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

First off, I have NEVER applied for, nor do I have any account associated with Chase Bank. I first received a letter telling me that some purchase on my account was suspicious and I needed to contact the bank in order to protect my account. I did call and became suspicious when they started asking me personal info like my birth date and SS number. I provided neither. A few days later I received a letter stating I could no longer use the account because I did not provide the information requested. A few days after that I received a card that needed activation for the account. The problem is I have never applied for an account. They spelled my name wrong and they used my grandparents address and not mine. I know this is all a fraud but I need to be certain they haven't affected anything else having to do with my credit.
Consumer complaint received 2018-10-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (MA)

I have received no collection notice from a company known as ACIMA CREDIT, but they have posted a collection on my XXXX credit report. I am at least entitled under the validation process of the Fair Debt Collection Practices Act to obtain a transfer notice showing signatures with the original creditor. There is not even a statement on the XXXX post of what company the indebtedness is owed to, The timeline for deletion would fall under the original creditor based upon the 7-year rule. This collection may well be beyond the legitimate timeline to even collect upon, and under the order of the office of Attorney General in the Commonwealth of Massachusetts I am entitled a notice that the collection is no longer enforceable. In the case, the collection is illegal and all references to my information must be purged from the credit bureaus as well as deleted from the internal process of ACIMA CREDIT XXXX XXXX. I demand a full validation with signed agreements to even collect a debt under FDCPA regulations.
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I recently sent in a letter disputing various items on my Equifax Credit report in XX/XX/XXXX and did not receieve a response within the 30 days of XXXX recieving my disputes. Furthermore I recieved correspondence XX/XX/XXXX ignoring my previous disputes. I am requesting that my XXXX Credit Report Reflect Accurate Information and the disputed items listed per the attached document be deleted immediately.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (PA)

I have been. Trying to contact u s direct express from XXXXXXXX XXXX through XXXXXXXX XXXX 2023. I've been calling the customer service number. XXXX many times daily at various times including easy XXXX. This is supposed to be a 24 hour service line. The message always say " we are currently experiencing high call volumes and you will need to try your call later. I need to transfer money to my bank which has yet to be approved despite emailing the prescribed HCH REQUEST to their email with a confirmation letter including account and routing information and receiving a response that I must call this service line to provide more information. I also need to stop payment on a fraudulent charge because I was deceived by an online site posing as the U.S. POSTAL SERVICE when Iwas changing my mailing address. I just moved to a one story, first floor apartment at the advice of my doctor because of mobility issues. Please note I have also tried to notify U.S. Direct Express of my address change and that is impossible to accomplish. 
I feel like my SSDI is being held hostage. Please help resolve this issue?