davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
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. (SC)

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.
Consumer complaint received 2019-03-11
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: CITIBANK, N.A. (CO)

XXXX  and XXXX are incorrectly reporting me as an Authorized User on Citi card  ending in account # XXXX I called Citi and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.
Consumer complaint received 2021-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I sent out my XXXX round of disputes and they still have yet to remove or respond any Information back. I have also spotted many inaccuracies and XXXX  violations which is affecting the banking system and I am reaching out to the XXXX as an agent top remove this fraud information from my report.
Consumer complaint received 2019-10-29
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: LoanCare, LLC (NC)

I have two mortgages with XXXX XXXX/loan care, they have misapplied payments to one of the loans causing the other loan to appear as delinquent. After several phone calls, and submitting a dispute they still reported negative information to the credit bureau. This has caused me to be declined credit, and a visit from someone to my home stating foreclosure is pending.
Consumer complaint received 2021-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (NC)

My contact dates were in XXXX, XXXX, XXXX, and XXXX. I requested validation from a creditor for a medical procedure. SCA collections refuses to give me the creditors information including phone number .A mistake has taken place because in 2018 my insurance covered all of my medical bills. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days.

Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid How long can a creditor collect on a debt in NC? 
three years If you are living in North Carolina, consumer debt has a statute of limitations of three years.

North Carolina Statute of Limitations on Debt Collections.

North Carolina Statute of Limitations on Debt Debt Type Deadline in Years All Consumer Debt 3 Judgments 10
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2019-10-29
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: CITIBANK, N.A. (CA)

On XX/XX/2019 I tried to make an {$1100.00} withdrawal from an ATM using my Citibank card. I tried 3 times and was declined each time. I went to my truck and called Citibank and they asked me if I was authorizing the charge and I said yes. I then went back in and tried the ATM 2 more times and it was declined both times so I drove home. The next day I went to my bank to make a withdrawal and the ATM said I only have an available balance of {$6.00}. I then drove to XXXX XXXX and spoke to the supervisor. The supervisor pulled the transactions for the ATM that I tried to use the day before. She said that no money for the amount I was trying to withdrawal was dispensed from that machine. I asked her what I needed to do and she said I needed to file a grievance with the credit card because I hadn't received the money. I called Citibank to file a grievance and they said I needed to call the ATM company because it was a cash transaction. So I called the ATM company ( XXXX ) and they told me the same thing that no money for that amount was dispensed from that machine and I needed to file a grievance with my credit card company. I called Citibank back and filed my grievance. I was told I would see a credit within 24 to 72 hours while they investigated. They gave me an email and fax number to send my paperwork. I emailed and faxed everything I had from the ATM company. To this day I have not seen a credit. I have been told they will call me back and no one has called me. I have called Citibank multiple time and have been told there is an investigation.Then the next time I call they say there is no investigation. I even had a supervisor from XXXX call Citibank ( we were on a 3 way call ). We asked to speak to a supervisor and then explained the situation to him. She told Citibank that I never received any money. The supervisor at Citibank said that there was a pending investigation on the account. It has been a month and I have not heard from Citibank and they sent me my monthly statement that says I owe the money. I never received any money and thought this matter would be taken care of in a week at the most.
Consumer complaint received 2021-04-29
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. (OH)

I have been sending letters to Equifax, XXXX  and XXXX since XX/XX/2020 regarding inaccurate/fraudulent accounts on my credit report. I have requested they investigate, reinvestigate and send me a validation of such items which they have failed to do in over 5 months. I know my rights, and according to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Consumer complaint received 2021-09-22
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. (KS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-09-22
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. (TX)

XXXX XXXX fraudulently opened an account for a timeshare under my name and social. I have been in contact with XXXX XXXX since I became aware of the issue. XXXX XXXX from the XXXX XXXX department advised via email on XX/XX/2021 that the account would be closed and removed from credit reports as this sale was null in void and never signed for. 

I was also advised to file a report with the FTC and to dispute with the credit bureaus. 

XXXX XXXX does not have any validating information regarding this account. The only information provided is an UNSIGNED Deed of Sale and an email stating the sale was NULL IN VOID. 

XXXX and Equifax have failed to delete this fraudulent account. All documentation confirming this fraudulent activity was provided to the credit bureaus. 

The following account needs to be deleted : XXXX XXXX - XXXX REPORTED {$6700.00}
Consumer complaint received 2021-09-22
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. (TX)

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ) .According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with ( XXXX XXXX XXXX XXXX XXXX ). They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce.
Consumer complaint received 2020-01-22
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: EQUIFAX, INC. (CA)

EQUIFAX IS REPORTING COLLECTION ITEMS ON MY CREDIT REPORT. EVERYTIME I AM CONTACTING THEM TO SEE WHO IS THE ORIGINAL CREDITOR IGET NO ANSWERS. I HAVE NEVER HAD ANY ISSUES WITH ANY COMPANY THEREFORE I HAVE NO IDEA WHERE THIS COLLECTION IS COMING FROM. HOW COULD THEY REPORT SOMETHING WITHOUT KNOWING WHO THE ORIGINAL CREDITOR, WHERE IS COMING FROM WHO IS ASKING FOR THE MONEY.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (IL)

I received a letter dated for XX/XX/2021 which was sent to my home indicating I owed this company money. I have never entered into a contract with this company nor did I consent to entering one. I sent this company a response on XX/XX/2021 indicating that I will pay any debt I might lawfully owe if the company can produce the required documents by federal law. I have attached my response here as well. 15 USC 1692g - Validation of debts indicates that a debt collection company must produce all documentation within 5 days of initial communication and cease all reporting and collection activity until those items can be produced. It is now XX/XX/2021 and this company has not produced any of the documents and continues to pursue collection activity and has reported information to the credit reporting agencies not only without my permission but in direct violation of the above referenced law. This is also a violation of FDCPA Section 807 False and misleading representation.
Consumer complaint received 2020-11-29
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (PA)

The actions I had no choice than to take was back in XXXX because this loan was from back about XXXX maybe XXXX I dont exactly remember how far back I ended up having to file bankruptcy because it had done on my credit report and damaged my credit report I had tried to work things out but they werent really working with me I made phone calls the last phone call I had made to them before I had filed bankruptcy they told me they wanted the full amount in the full amount of the student loan was {$35000.00} roughly so I had no other choice than to file bankruptcy It was paid out through them bankruptcy so it is paid for but that was the only way I can get it taken care of because its ruined my credit and everything
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (TX)

On XXXX Discover Card offered a zero percent interest rate on all purchases for 12 months. I've been a customer of Discover since 1996. I only use this card once a year to keep my account open, due to high interest rates. Upon receiving the promotional 0 % APR, I commensed to charge on the card. Over XXXX XXXX dollars were charge under the impression that it would be a 0 % APR. Upon receiving my next statement, the normal 11.99 % interest charge was still in place. I called to inquire and was told that in addition to activating the card, I had to call a different number ( not provided ) in order to activate the new interest rate. Discover was willing to activate the 0 % interest rate on any future charges, but the balance would still have 11.99 %. This is a deceptive practice and false advertising. Please help me.
Consumer complaint received 2020-10-20
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 not received my provisionary credit for a dispute that I filed on XX/XX/XXXX I sent in my dispute form by mail I was never given a provisionary credit under Federal Regulation e I was not also accommodated provisionally under the Americans with Disabilities Act I've  also spoken with several supervisors and they all have made up lies and hung up on me and created tickets which is a violation of the corporate Espionage Act
Consumer complaint received 2021-09-22
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. (NY)

I took out one loan with XXXX  XXXX XXXX. It was disbursed on one date and paid off other loans. Like a credit card that is used for multiple items at different stores, it is one trade line. When a credit account goes to collections it remains one tradeline. Same for a loan. I am submitting page two of the Department of Education XXXX XXXX XXXX response to my local Congressman confessing they took that one loan and are reporting it as two tradelines. Clearly it is inaccurate and false reporting by multiplying and compounding adverse affects to my credit file. If they want to count them as the original subsidized and unsubsidized loans seperately those loan dates should be used and it would be far too old to remain on my credit. 
I am including screenshots from the XXXX website. NOTE NOT A THIRD PARTY WEBSITE. These screenshots verify the account was sold to another collection agency in XX/XX/XXXX. This is why it is showing closed with XXXX balance. This is the reason the original creditor is no longer on my credit report. It was sold to Dept of Ed XXXX XXXX XXXX and aged off my report in XXXX because paid collections fall off 5yrs from first delinquency in NY. Since Dept of Ed XXXX  XXXX XXXX sold to another agency who's address is on credit report under section Labeled XXXX. XXXX XXXX XXXX XXXX  XXXX, IA XXXX. I will also attach screenshots of the department of education. EDU website showing this address is not found anywhere in department of education. I will also include a screenshot of a web search for this address. It shows a lawyer/collection agency. There is also a statement on credit file under status Status A brief message describing your payment history with a specific account.

" Seriously past due date/ assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department '' Screenshot also included.

Since the clock does not reset it should be removed 5yrs from first delinquency XX/XX/XXXX. In this case it should be removed within a few weeks. I have requested early exclusion on good faith because the Department of Education XXXX XXXX XXXX had been falsely reporting additiona tradelines.
Consumer complaint received 2020-11-29
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. (KS)

I keep trying to dispute a account which has been paid with XX/XX/XXXX and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well
Consumer complaint received 2021-11-01
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2021-11-01
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: CITIBANK, N.A. (IL)

I ordered a hot tub cover on XX/XX/XXXX with a promised delivery date of 10-25 days. On XX/XX/XXXX, I was notified that the item has shipped ( 57 days later ) The item arrived damaged and was never accepted or taken off of the delivery truck, as per the instructions of their seller in their email of XXXX, " Although shipping damage rarely happens please take a minute to inspect the cover when the carrier company deliivers and refuse delivery in the event damage is found. '' Despite not accepting delivery for the damaged item, the seller charged my Citi Card credit card, and a dispute was initiated with Citi on XX/XX/XXXX. 

Citi Card 's response was to ask me to return the merchandise and request a credit. THE MERCHANDISE WAS NOT RECEIVED/ACCEPTED, which was made painfully clear to Citi. I demanded that Citi reverse the charge or else provide me with documentation that the merchandise was delivered/accepted. 

Their response dated XX/XX/XXXX stated, " We have reviewed the information you provided regarding your dispute. We no longer have any available means to assist you in this matter since the time frame in which to resolve a dispute has passed ''. 

Citi then proceeded to report the balance as delinquent to credit rating agencies, despite never following up to see that the merchandise was not received.