davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TN)

While checking my credit report I noticed a collection put on there by Capital Accounts even after telling them numerous times this was not my debt. I also sent them debt validation letters by certified mail on XX/XX/2021, which they received and signed for XX/XX/2021. Their agents are rude and uncooperative to say the least and are still refusing to take this fraudulent collection off of my credit reports. Instead they sent me emailed me an itemization which has no dates and no signatures from me or the original party. Pursuant to the Fair Debt Collection Reporting Act I demand Capital Accounts take this fraudulent collection off off all three of my credit reports ( XXXX, XXXX, XXXX  ) immediately since the debt is unable to be validated.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (WA)

I have just noticed that Synchrony credit card company who manages my XXXX Store card has been charging me a " Card Security '' charge without my consent. I will be calling them and requesting the 4 years of service I've had with the card and determine how much I've actually been charged and will be requesting a full refund. If they do not pay out the full refund I will  lawyer up and get a class action lawsuit started and would like your assistance in getting notifications out.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (WA)

I recently found 2 different prepaid Visa debit cards that were gifted to me on different occasions. One was for {$25.00} ( valid through XX/XX/XXXX ), the other for {$50.00} ( valid through XX/XX/XXXX ). They were both more than 2 years old but had been hidden in a box where I recently discovered them. While the fine print on the back of the packages state the amounts will start getting deducted after inactivity, I don't think that companies should be able to do this since they are paid for and treated as cash. When I checked the balances online, both indeed had {$0.00} balance.
Consumer complaint received 2021-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-01
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. (TX)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Kubota North America Corporation (TX)

Kubota credit issued me a 1099C last year. I paid the taxes on the amount wrote-off. Kubota is reporting the acoount to the credit reporting agency as a charge-off acount with a balance due.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

CAPITAL ONE XX/XX/2019
Consumer complaint received 2022-08-17
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-01
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TX)

In XXXX my debit card was stolen and over XXXX $ of my money was stolen. My debit card pin number was rejected by computer XXXX of times at once but my card was never locked to keep the card theifts from using it. They also ordered something online and had it sent to their address but the bank keeps saying no sign of fraud took place. I called into to dispute the whole months transactions and they rushed through my dispute case and closed it because they said that they didn't detect fraud. Plus I tried to call and report the theifts but I couldn't get any customer service representatives to ever answer the phone.
Consumer complaint received 2021-06-01
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-04-25
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. (IL)

I reviewed a copy of my credit report and there are XXXX inquiries that I did not authorize. I have filed Consumer Fraud reports with the FTC for all three Inquires including XXXX XXXX Complaint. I also contacted TransUnion by phone after they failed several times to remove the inquiries when I requested them to by mail. The file number they provided me with is XXXX The Inquiries are the following, XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ).
Consumer complaint received 2022-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (CA)

I paid this debt when through XXXX XXXX. Credit Control LLC, contacted me to tell me that their client has hired them. I have a letter from XXXX stating the debt is settled and it is with the same XXXX account number ending in XXXX. The company XXXX XXXX XXXX is the company that hired both XXXX and now Credit Control LLC. I told credit control that I paid it and they said they would file a dispute with XXXX  I keep getting contacted by collectors, even though I paid the debt through XXXX solutions. 

I have attached the XXXX and the Credit Control letters and you can see that this has been paid, but yet I keep getting other collection companies trying to collect on the same debt, on behalf of XXXX and XXXX.
Consumer complaint received 2022-09-24
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: EQUIFAX, INC. (PA)

Hard inquires that wasn't authorize by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

I was told in the Citibank online advertisement ( that applied by clicking through ) I would earn {$400.00} when I opened a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. Bonus will post within 90 days from the date you complete all of the requirements. 

I opened the accounts on XX/XX/XXXX and the money was deposited into the accounts on XX/XX/XXXX. This was 10 days after the account opening, well within the 30 day requirement. I deposited {$15000.00} into the checking account and {$100.00} into the savings account ( on XX/XX/XXXX ), thus meeting the total and individual account amount requirements as well. I left the money in these accounts until XX/XX/XXXX not using or moving any of it. On XX/XX/XXXX I withdrew {$2000.00} from the checking account. Thus the money was in the accounts at the proper amounts for longer than the 60 day requirement ( XX/XX/XXXX-XX/XX/XXXX ). The account is still to this day open and in good standing yet I have not received the bonus that should have posted at the end of XX/XX/XXXX ( around XX/XX/XXXX is 90 days after I met all of the requirements ).

I chatted online with a Citi customer service representative on XX/XX/XXXX. He said that I was owed the bonus and should have been paid in XX/XX/XXXX ( I took a screenshot of him saying this and attached it below ), he said that he was issuing a ticket and that Citi would get back to me within 2 business days ( also screenshot and attached below ). I have still heard nothing from them. I then contacted Citi customer service again this past Friday and he said that there was nothing he could do but have my issue expedited. I still have not heard back from Citi and still do not have the {$400.00} bonus. My statement just closed again on XX/XX/XXXX and I was hoping the bonus would be in the account then but it was not.
Consumer complaint received 2021-06-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

My co-borrower and I funded our closing escrow accounts XX/XX/XXXX and were due to close XXXX XXXX. I contacted the company by email, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding the delay in funding our mortgage loan. I also questioned need for 2 sets of escrow documents needing signatures, what increased costs did we incur due to the delay of funding and being charged a reappraisal fee. Our XXXX XXXX loanDepot office was unable to answer any of our questions so I sent a certified letter via US Mail to the corporate office in XXXX XXXX, CA on XX/XX/XXXX XXXX company received it XXXX XXXX. No reply from the corporation. I wrote again on XXXX XXXX with no reply. I wrote the CEO XXXX XXXX via certified US Mail on XX/XX/XXXX XXXX company received it XXXX XXXX ). STILL NO REPLY!!!!!!
Consumer complaint received 2018-05-06
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. (GA)

I have two accounts with XXXX XXXX XXXX XXXX I paid them both off in XX/XX/2018. Then used one after the payoff which now has a balance of {$2700.00} with {$2200.00} left to use, it has a {$5000.00} credit limit. My second account has a {$4000.00} credit limit with a XXXX balance. I have disputed this with Equifax twice. They sent me a completed result but it would not allow me to login in. Now they have damaged my credit severely by listing that my balance is {$8200.00} showing that I am 207 % over the credit limit and I was unable to apply for credit. This is beyond unacceptable.
Consumer complaint received 2022-07-29
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. (TN)

I do not dispute that the account is paid off in full late. I dispute the inconsistancies in your credit reporting to the different agencies. My account is paid off and paid in full. You have reported false information dollar amounts to all three credit agencies. You can not update because I brought this to your attention. You should have known that your reporting is inaccurate across the three agencies. you have to delete. 
accoding to 15 US CODE 1681 ( a ) ( G ) ( A ) In general ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ( ME ) and the consumer notifies the agency directly, or indirectly through a reseller ( XXXX  XXXX ), of such dispute, the agency ( XXXX  XXXX ) shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status ( CLOSED ) of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ) ( INACCURACIES ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-06-01
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: AmeriCollect (NV)

XX/XX/XXXX {$600.00} I have contacted XXXX. They told me to file a police report. When I went to the police station I was told that the company Americollect inc was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.
Consumer complaint received 2021-05-31
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: SYNCHRONY FINANCIAL (OR)

Identity thief has been impersonating me to XXXX  for over a month. She closed a card I had with a {$10000.00} credit limit, without my consent, causing my credit score to drop XXXX points.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I called XXXX three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXX.we returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to believe that the credit department at XXXX can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

Since XX/XX/ Ive contacted Equifax almost every day twice a day to remove a security freeze from my credit report in order to refinance my mortgage. Ive debt with some fraudulent activity in the past so I like to keep my reports locked until I need them. Ive been told itll take 24hrs, then 72hrs but the freeze still remains. I pay a monthly fee Equifax XXXX to access my reports, monitor my credit and lock/freeze my reports which Ive tried to do manually myself. Equifax gave me and advance ticket # on XX/XX/XXXX and promised to give me a call within 3 days with a resolution, Ive yet to receive a call, and my Equifax report remains frozen.
Consumer complaint received 2022-06-09
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. (CA)

In accordance to the Fair Credit Reporting Act the following creditors and/or collectors have committed violations -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 XXXX15USC 1681 SECTION 602A states I have a right to privacy ***15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-05-31
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. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA section 807 Violation False or misleading representations. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I am seeking litigation. Please delete at once. 

2. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. You are in violation of XXXX XXXX code XXXX XXXX g XXXX medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.