davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT I C SYSTEM To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

Citibank is engaged in financial discrimination by blocking my access to credit. I have had three transactions recently rejected ( two from vendor XXXX XXXX and one from XXXX XXXX at {$35.00}, XXXX and XXXX, respectively ). Two were done on XXXX and one on XXXX and they were for collectibles such as foreign banknotes and coins. When I contacted Citibank twice on XX/XX/XXXX and XX/XX/XXXX I was told by both supervisors ( XXXX # XXXX XXXX and XXXX XXXX XXXX ) that the transactions were coded by merchants and XXXX as crypto-currency therefore they were blocked. Since I have never purchased or owned any crypto-currency I requested Citibank to provide the merchant/transaction code that would point to that characterization of the currency. The Citibank refused to provide it. One vendor made a statement to me that " I have never owned any crypto-currencies, but I did have another customer tell me the same thing. '' It is evident that Citibank is engaging in discriminatory practice and blocking my access to credit. Furthermore Citibank is preventing me from reaching a {$3000.00} spend which will qualify me for XXXX AA bonus miles withing 90 days of account opening.
Consumer complaint received 2018-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MD)

I graduated but have been unable to get any job but a part time job with XXXX XXXX. 
I have 4 loans with Sallie Mae and I am paying $ XXXXmonth on 1 and the rest are in default because they require me to pay way more than I make and my Mom can't afford an additional $ XXXXmonth payment. But they make calls to everyone even people that aren't relatives. I don't even know the people 's number they are robo calling. I was getting 8-10 calls a  day as well as my Mom. Then I heard from a cousin I haven't seen in 10 years that they called him about me.
Consumer complaint received 2022-09-25
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: Experian Information Solutions Inc. (FL)

I have contact all 3 credit bureaus about the unauthorized inquiries on my credit report. First by mail and even online disputes. This process has been repeated several times. To my dismay my credit report still reflects these unverified and unauthorized items, that I did not give my permission to obtain.
Consumer complaint received 2022-03-27
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. (PA)

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2018-05-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 2288984 Ontario Inc. (OH)

On XX/XX/XXXX I was given a call by XXXX XXXX XXXX XXXX XXXX XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.
Consumer complaint received 2022-09-25
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: EQUIFAX, INC. (FL)

I have contact all 3 credit bureaus about the unauthorized inquiries on my credit report. First by mail and even online disputes. This process has been repeated several times. To my dismay my credit report still reflects these unverified and unauthorized items, that I did not give my permission to obtain.
Consumer complaint received 2020-03-20
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. (NY)

THE DISPUTED ACCOUNTS ARE DUE FOR REMOVAL OF FMY CREDIT FILE. THESE ACCOUNTS HAVE BEEN PAID IN FULL IN A SETTLEMENT. HAVE THOSE ACCOUNTS OFF MY CREDIT FILE, THEY HAVE BEEN CAUSING SERIOUS DAMAGE AND IS CAUSING DELAYED IN EVERYTHING THAT I AM TRYING TO PURSUE. PLEASE REVIEW ALL THE ATTACHMENTS AND REMOVE THE DISPUTED ACCOUNTS OFF MY FILE.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (CA)

I have an account with MoneyLions in XX/XX/XXXXor possibly XX/XX/2019 I requested a card and a card was sent out to me however I never received that card so another request was put in another card was sent out again I never received that card I was able to create an online account login to my online banking have access to my account and routing numbers as well as link external accounts I just had no debit card. I filed my taxes and request a direct deposit into that Account which is where my stimulus payment went as well and around all this time my phone was stolen and unfortunately my banking app was on my phone as well as logged in so I contacted XXXX  made a report as to the phone being stolen and wipe the device clean however unfortunately it was too late and some of the information had already been accessed and compromised days later I was able to get a new phone And as well have my number ported over which after doing so which was nearly a week later I received a call from as well as text from XXXX  which is a fraud company a third-party I believe through the bank letting me know that my card was suspended and there was fraudulent activity that had occurred on my card at that point I notified them that I did not have a card i then the very next day contacted the bank and filed a claim dispute at which the outcome of that was that a credit would be provided to my account and a new card would be expedited XXXX   as well that upon delivery that verification of ID and signature be required for not only my protection but theres as well however unfortunately I ended up very very sick and in the hospital and as to the card being delivered I have no knowledge of if it ever was or wasnt but What I do have knowledge of is that I was able to log into my online banking activity and not only was all the money compromised from my account but there were fraudulent transactions and the transactions were identical to the prior transactions so I contacted the bank to file another claim advising them of everything that I was aware of and as to me never receiving the card once again Ive now waited 10 days and havent received feedback so today i contacted them again and was able to get through to the supervisor which they are now in process of working on as well as providing a provisional credit however they have put a lock on the account not allowing me any access to the funds whatsoever until the investigation is complete which could be up to 90 days that is unethical and illegal As the federal banking law stipulates they have 10 days to either provide provisional credit or have a resolution as to the investigation.
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: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXXhas violated my rights. 


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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I received an email from Capital One stating I was approved for a Capital One Platinum Secured Master Card. The email advertised that I could build my credit with the Capital One card and that good credit could assist with buying a house, car, or potentially a job. On XX/XX/XXXX I applied for the Capital One credit card, however my application was subsequently denied. The application letter stated insufficient credit history, age of newest bankcard ( s ), credit limit ( s ) are too low, and application could not be verified as the basis for my denial. I am filing a complaint as my consumer rights were violated and I was not provided an Equal Credit Opportunity. This decision has negatively affected my ability to purchase a home for my family.
Consumer complaint received 2023-03-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX Bank ( Inquiry ) 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 an account without my written instructions.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (KS)

I couldnt report my card stolen cause I was on hold three hours Before being disconnected. After yall disconnected with me I tried and tried to call and after Id enter the card # it said well transfer you only to get disconnected over and over. I tried to enter my SS # and got the same result. I borrowed my roommates phone to call and I finally got through to a representative to find my card had an alert and also had to call social security to validate my identity and I got no security questions but I was told I would receive a letter to be completed and returned but could not understand the representative because her accent was so thick. Help me get my money back please
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (NJ)

I think I am being overcharged in interest rates. I was not aware of this occurrence until today after unsuccessfully trying to reach the company on an open phone line for over an hour I decided it was time to search help from other sources. 

Payment History Due Date Posting Date Amount Principal Interest Late Fees Principal Balance Payment Status XX/XX/XXXX XX/XX/XXXX {$1000.00} {$590.00} {$470.00} {$17000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$580.00} {$490.00} {$18000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$560.00} {$500.00} {$19000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$550.00} {$520.00} {$19000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$540.00} {$530.00} {$20000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$520.00} {$540.00} {$20000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$510.00} {$560.00} {$21000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$500.00} {$570.00} {$21000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$480.00} {$580.00} {$22000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$470.00} {$590.00} {$22000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$460.00} {$610.00} {$23000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$450.00} {$620.00} {$23000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$440.00} {$630.00} {$24000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$420.00} {$640.00} {$24000.00} Completed - on time Loan # XXXX Loan Progress On track Remaining principal balance {$17000.00} 22 payments to go Next payment {$1000.00} Scheduled onXXXX XXXX Autopay is on Upcoming Payments XX/XX/XXXX Friday {$1000.00} XXXX  XXXX Monday {$1000.00} XX/XX/XXXX Wednesday {$1000.00} XX/XX/XXXX Saturday {$1000.00} Make an extra payment Payment Due Date XXXX Youre paying on the XXXX of each month Change due date Loan Documents View loan documents and agreements from your application on XX/XX/XXXX See loan documents Payment History XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed See full history Loan Terms Original loan amount : {$25000.00} Loan term : 36 months Interest rate : 30.99 % APR : 35.89 % Bank Account XXXX  Account number : XXXX Go to bank account settings
Consumer complaint received 2022-09-25
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)

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX X, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I'm trying to access my Equifax credit report and the Equifax website says it is unavailable. I'm unable to see the report, place a security freeze, view my credit score, basically, I can't do anything.
Consumer complaint received 2022-09-25
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: Avant Holding Company, Inc. (PA)

Made a charge on XX/XX/22. 
Filed charge dispute on XX/XX/22 with Avant credit card. 
Was told of varying time frames from Avant as to when the dispute will begin. 
XXXX XXXX Avant did send a letter requesting common information that I could not be home to readwas away from home for six weeks due to death in familyso I missed the deadline to render the information. 
XXXX XX/XX/22 Avant sends a letter denying the dispute due to my not getting back to them. 
Ive called several times, left messages.NEVER A RETURN CALL, MY CALLS WENT YO AN ANSWERING SERVICE.NEVER A CALL OR EMAIL! 
Ive filed recently a CFPB complaint that has never addressed avants lack of communication and Avant never mentioned my attempts to contact them. 
A {$95.00} purchase ballooned to {$150.00} with fees/penalties. 
XX/XX/22 Ive remitted the {$150.00} to Avant because of PHONE CALLS AND EMAILS FOR COLLECTION OF DEBT BUT AVANT NEVER RETURNED MY PREVIOUS CALLS WHEN I WANTED TO RENDER THE PREVIOUSLY REQUESTED INFORMATION/APPEAL THE DISPUTE DENIAL! 
I missed the mail and their one call due to poor telephone reception. 
Furthermore avants call service is overseas and poorly pronounced English.very difficult to understand. 
To add insult to injury all of this happened during a time of bereavement andthe website I made the purchase fromduring all of this .it closed with my information. 
With my Avant credit card number. 
And on XX/XX/22 I called Avant to put a block on my card. 
Today when I made the paymentmy card wasnt blocked. 
I dont want another softball answer, I want them fined/punished and my {$150.00} refunded. 
And I XXXX  Avantthey do have a fraudulent history.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (CO)

On XX/XX/XXXX I received the results of a background check done through Checkr.com for a position at XXXX XXXX. Included on the report was a record from XXXX County dated XX/XX/XXXX for a misdemeanor charge : XXXX XXXX XXXX XXXX XXXX XXXX. Previous background checks that have been performed did not include this record, or gave me an option that stated I was not required to include this record based on its age. I contacted Checkr.com 's support and they respond with an email : " Thank you for contacting Checkr, Inc. regarding your background report. We understand that you have questions as to why certain offense ( s ) show up on your report, given their age. After reviewing your report, we are writing to advise you, that based on your location and reporting guidelines, the information is reportable.

Please understand that if you have had reports run in the past, these reports may look different and include different offenses, depending on when the report was ordered and which company ordered the report. It is the decision of the company you have applied with to determine the scope of the report. If you have any questions about how your report will be considered by the company you applied with, please contact that company directly -- Checkr is not involved in decisions about whether to hire or engage a candidate. 

After you review your report, if there are any errors or inaccuracies, please let us know -- please be specific to help with our reinvestigation, and we are happy to assist. 

I responded with : " I was doing some research on why this item might be included on my background check, and the consumerfinance.gov website makes it seem that this record can not legally be included in my report. 

" In some instances, information may be reported that is out of date or prohibited by law. For example, under the FCRA, an arrest is generally not allowed to be reported when it is older than seven years, or outside the governing statute of limitations.66 " Would you mind citing any rules or regulations that allow this record to be included? I understand that there are exceptions to the 7 year rule, but I can't find anything that would allow a 9 year old misdemeanor to be included. I'm trying to get a better understanding of this record because it has not showed up on other background checks I've had done, or the other companies had an option for me to provide more details about this record, and typically the answer I was prompted to include was something along the lines of " I am not legally obligated to report this record to employers based on how long ago it occurred. '' Thanks for your help! '' Could you please help clarify if this record should be included on my report and if it is, why? This record is 9 years old and I live in Colorado, so all my research has pointed to this not being a valid record to report. 

Thank you for your help.
Consumer complaint received 2023-03-19
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)

I sent you a letter last XX/XX/ but I haven't got any response from you and according to the FCRA you are required to response within 30 days