davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

We ( my wife XXXX and I ) are asking for assistance in resolving XXXX fraudulent charges on our Barclays Bank " Jet Blue Master Card '' credit card account totaling {$9700.00} which we reported as fraudulent, but the bank claims they are all valid and is holding us responsible for them. We deny and have consistently denied that any of these purchases were made by anyone on our account. 

On XX/XX/1921 and XX/XX/XXXX we received calls from Barclays Fraud Investigation Unit regarding suspicious activity on our account. I identified several purchases made at XXXX XXXX stores as not made by anyone on the account. At that time the Bank agreed to dismiss those charges. 

On XX/XX/XXXX the two cards with fraudulent activity were cancelled, and new cards issued ( with new account numbers ) to both my wife and myself. The new cards were received and activated on XX/XX/XXXX. 

On XX/XX/XXXX, we received an email from Barclays alerting us to the fact that our credit line was approaching its limit of {$21000.00}. When we followed up with a call to Barclays, we discovered the appearance of the 38 fraudulent charges described above. We denied these charges but were told by the Bank that they had been investigated they determined that they were all valid. We attempted to resolve the issues on the phone several times, to no avail. 

We have reported the issue to our local Police Precinct, and are awaiting a copy of their report. In the meantime we were advised by the Bank to compose a writeup explaining why the charges were fraudulent, which I completed and faxed to the Bank on XX/XX/XXXX. 

At this time, the Bank has refused to take the charges off our account, and since they exceed {$9500.00}, I had to switch automatic payments from " Pay In Full Each Month, '' to " Pay Minimum Balance Each Month, '' until this issue gets resolved. To the best of our knowlege, no final decision has been made by the Bank on this problem.
Consumer complaint received 2022-01-19
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. (GA)

In effort to correct my reports I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (OH)

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, has violated my rights. 
Open Account May 23,2022 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 15 U.S.C 1692 ( E ) It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

15 U.S.C 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

There are accounts under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2022-01-19
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. (CO)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

Good afternoon, I need your help with this issue with 2 collection account with the same company ( Resurgent Capital Services ).

I sent 3 different certified mails ( USPS ), in the las 7 months, getting the same response from Resurgent Capital Services. 
I have been asking for the verification of that debt. In all 3 situations, they send me the same response ( attached : copy of an statement which does not represent a valid validation ). 
I have been sending letters with this response : " Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. ''
Consumer complaint received 2019-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

We were under the impression that the credit bureaus were supposed to conduct an investigation, and respond with the results, within 30 days of investigation request. My husband I submitted an investigation request two months ago, and neither of us have heard back yet. We feel like our rights are being violated.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In accordance with the fair reporting act the list of accounts below has violated my federally protected consumer rights to my privacy and confidentiality under 15 USC 1681. 

Account name Account Number XXXX XXXX XXXX XXXX account. {$1600.00} past due as of XX/XX/year> XXXX XXXX XXXX. {$930.00} past due as of XX/XX/year>. 
XXXX XXXX  XXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/year>. 
XXXX XXXX XXXXXXXX Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/year>. 
XXXX XXXX  XXXX Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/year>. 
XXXX XXXX XXXX XXXX Collection account. {$5100.00} past due as of XX/XX/year>. 

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 a account without my written instructions. 

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, REMOVE ALL CLOSED WRITTEN OFF CHARGED OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS AND DEFAMATION OF MY CHARACTER AND A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (CA)

On XX/XX/XXXX my cell was blowing up with inquiries on my credit there were approx 10 i had to call 10 they were not mine i immediately placed a freeze on all my credit reports. Than i was notified XX/XX/XXXX that a new open loan was on my credit report for XXXX i called them right away all they did was say mail docs to claims @ upgrade.com i did not i try to call them no response i called the police and filed a report. They tried to call because we have a suspect no one calls back. This loan was given with a freeze on all three bureaus and also my phone number to call if they have any questions they ignored the the freeze and opened a line a credit and it was maxed out immediately. They don't call back and don't even call law enforcement back so i know the status of this fraud account. This should have never been open with a freeze none of the information matched my credit report all the other 9 denied the application due to suspicious activity and not matching my report upgrade inc XXXX XXXX XXXX XXXX floor XXXX XXXX ca XXXX phone number XXXX or XXXX XXXX XXXX
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CT)

Started in XXXX/XX/XX/XXXX with a charge for a service plan I did not agree to. Called Best Buy credit services and they said they would rescind the charge. they never rectified the issue. In XX/XX/XXXX I received a statement with a balance of XXXX. I spoke with a representative on XXXX who stated it would be cancelled. Confirmation # XXXX. Acct was never cancelled. I received a letter XXXX stating my account would be credited in the amount of XXXX and again on XXXX. I have made numerous calls with no resolution. I have explained the charge was fraudulent and I did not consent to this charge. I receive a statement every month and the latest is dated XXXX with a balance ofXXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in my file listed on my credit report
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (KY)

I have consolidationg direct loans that were serviced by XXXX but are now serviced by XXXX. I have applied for a PSLF and the FedLoan site will not let me enroll for an account nor does it recongnize my social security number OR names. I have contacted MyFedLoan was on hold for an hour then someone answered and said they could try and transfer, again I was on hold for 30 minutes and I have tried repeatedly to call with no luck. I can not submit a form for help the site does not recognize my social?? I'm at a lost as to what to do? I feel like I am going in circles with this mess!!!! Thanks for your help! 

XXXX XXXX XXXX XXXX XX/XX/1964
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've contacted portfolio recovery services and made them aware that these accounts were already deleted. I can't find the original documents that I've used to have these accounts deleted. I have proof via credit reports and screenshots that these accounts were agreed to be deleted by original creditor. They've been deleted and Portfolio Recovery are attempted to make fraudulent collections accounts on my credit report and I'm in the process of proceeding in a civil manner with my Attorney for violation of FCRA rules as well as my civil rights due to fraudulent collections and harassing letters. I don't have anymore collection accounts on my XXXX credit report. Portfolio has been deleted as supporting documents shows.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I went a bought a vehicle from the XXXX dealership. The loan was originally financed through Capital One but refinanced through XXXX XXXX. Capital One received the check ; however, according to the DMV records, Capital One still listed as a lien holder.
Consumer complaint received 2022-08-08
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal action
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am filing a complaint against Bank of America, regarding a purchase made on my credit card. 
On XX/XX/2022, I had taken a cab from the XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) to the XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) to rent a car, and the cab fare was {$23.00}. I used my BOA credit card to pay for the fare, and later I found out the amount charged on my credit card was {$95.00} instead. 

Initially, I disputed the {$72.00} ( claim XXXX ), however, it was denied stating that I did not have the slip indicating the merchant charged the incorrect amount. However, how would it be possible to obtain a slip for an unauthorized transaction? I had included the receipts for the hotel and the rental car as proof. 

I appealed, spoke to the XXXX, and disputed the entire {$95.00} ( Claim XXXX ), as I was told that BOA can not credit part of the transaction. Once again, the claim was denied stating the same above-mentioned reason. 

By declining the claims without even investigating the claims, I believe BOA is only encouraging merchants to make unauthorized transactions like this. 
Thank you.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

" I have consistently made payments on time for this account, and it is causing me immense stress to see an incorrect late payment entry. I have never missed a payment and am deeply committed to maintaining a spotless payment record. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully request an immediate correction to my account and hope you understand the urgency of this situation. Thank you for your prompt attention to this matter. ''
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

I told the XXXX, XXXX, and Equifax to investigate this account below : XXXX Account XXXX XXXXXXXX I don't have the full account number because this is all the credit bureaus are showing. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2022-01-19
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. (TX)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and personal information that are still reporting on my account : Inquiries : XXXX XXXX NA Date of Inquiry XX/XX/XXXX XXXX CARD Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX