davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

XXXX is not fulfilling their representatives promise. 
Before I applied for a credit card from XXXX i inquired if am eligible for the welcome bonus as i may have the card previously and the terms state that you are only eligible of you did n't have the card. XXXX Representative assured me that i am eligible. I explained that i am only applying if i am eligible and the Representative assured me that i am eligible. This took place in chat id XXXX. 

After i received the card american express denied me the welcome offer stating i had the card already. 

card # XXXX XXXX XXXX
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Designed Receivable Solutions, Inc. (SC)

DESIGNED RECEIVABLE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, CA XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DESIGNED RECEIVABLE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DESIGNED RECEIVABLE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX
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. (AR)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have disputed the information through the credit bureaus and the company Capital One has stated the information is correct although it is not. The account has been sent to another company and is no longer with Capital One. The credit card account is showing that an amount of {$480.00} is owed to Capital One. When I contacted them to resolve the matter they informed me that they no longer have the account. 

If the account is no longer with them and has been bought by another company then it is only right that they report the balance is XXXX with them which they are not. I would like this issue to be resolved immediately because I am in the process of purchasing a house and this is a blemish on my credit file that can be easily resolved with reporting correctly. 

Due to this error I would like to have this information removed from all three credit bureaus. The company 's investigation proved not to resolve the issue at hand.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX on XX/XX/XXXX The companies in question XXXX Equifax XXXX All credit agencies Had 30 days to delete or remove the fraudulent items below also had 4 buisness days to remove the Fraudulent items within 4 buisness days after acknowledgment of the items confirming and identifying identity theft according to Section 605 B of the FCRA! Equifax have violated my consumer rights My attorney have sent Equifax a certified representation letter and Faxed proof of identity theft information they have not responded or removed the fraudulent items from my credit report Equifax - Collection ( XXXX XXXX XXXX XXXX $ Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also XXXX and Equifax blocked me from viewing or logging in to dispute online Equifax have not updated any information or deleted fraud inquiries or Accounts XXXX had 30 days to remove BELOW ACCOUNT XXXX XXXX XXXX $ collection And any accounts thats showing late payments Ive also sent a certified letter to XXXX Verifying Drivers license Proof of address XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone XXXX Police Report FCRA letter section 605b they have not removed the fraudulent accounts according to ftc! These companies have not provided me any proof of the original contract nor they provided me proof as to how these accounts are mine with that being said all comps murd above had 30days to resolve my dispute they all have failed to protect my consumer rights as of XX/XX/XXXX XXXX taking legal action in federal court to recover emotional distress And violations of my consumer rights!!!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXX # XXXX ( appearing three times ), XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. 

Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to go onto the website ( again ) after making sure my initial deposit transferred, and it would not allow me to log-in. First I tried to fix the password on the website, but it would not take my information. It kept saying it did not work. Then I tried calling, but could only reach an automated call. The automated call said I could not talk to a HUMAN unless I had the account number OR my social security. Since I never received anything to do with my account through the mail, I had no account number other than my card. After trying and trying my social security number it said it had no record of my social security NOR my card number! I am not " allowed '' to speak to a human??? REALLY? So I can't log in online, and I can't speak to a human, and they have no record of me!?? What on earth??? I've tried over many days, and now I need to go into the bank ( which I have a feeling they will say they do not manage the website ). I think this is the WORST way to treat people that are obviously in desperate need to access their XXXX   money.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX  XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/2017 and XX/XX/2017, then after the disputes it will say 30 day late XX/XX/2017 XX/XX/2017, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.
Consumer complaint received 2024-02-20
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX PM XXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-20
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2019-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio Recovery is a debt buyer who is misreporting to at least XXXX, XXXX  and XXXX, a debt they bought from XXXX XXXX XXXX, specifically my old MasterCard # XXXX. Its a very old account of mine that I last made a payment on or about XXXX, XXXX. Portfolio lists the debt on the credit reporting agencies as of the date they bought it from XXXX XXXX, which was around XX/XX/XXXX. 

Although I have had numerous phone calls and letters exchanged with Portfolio, they refuse to report this debt accurately to the credit reporting bureaus. It should be removed from the credit reporting bureaus as the debt is older than 7 years. 

Can CFPB help me?
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

Citibank sold debt to a credit called XXXX - but they sold a debt that didnt belong to me! I have had several discussions with Citicard including a phone conversation in XX/XX/XXXX when Citicard said the fraud team would look into it and close the card/relieve me of any wrong doing and take it off my credit report. When I checked my credit report it was removed so I assumed everything was okay. It was NOT okay! Citibank SOLD MY DEBT ( even though it was not mine ) and now I got SUED by XXXX. XXXX is suing me for {$25000.00} for a credit card that had a {$1600.00} limit that was not even my card! XXXX levied my bank account and is ruining my life. The funds they levied will leave my account XX/XX/XXXX - so this is extremely urgent! I can not hire an attorney because XXXX has levied every penny I have.
Consumer complaint received 2021-11-04
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX, XX/XX/2021 ), ( XXXX XXXX XXXX  XX/XX/2021 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion in blatant violation of the following FTC regulation : 623.

Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition * ( A ) Reporting information with actual knowledge of errors. 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.

* ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if * ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and * ( ii ) the information is, in fact, inaccurate.

* ( C ) No address requirement. A person who clearly and conspicu- ously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be  subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

* ( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

( 2 ) Duty to correct and update information. A person who * ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and * ( B  ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

Continues to report the following inaccurate items as included in a bankruptcy that TransUnion themselves and XXXX has deleted as inaccurate : XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NY)

Navy Federal Credit Union Denied MY Application Seven ( 7 ) Times..I applied for Credit Line Increases, Credit Cards, and Personal Loans. Adverse Action against a Consumer is against the LAW ... According to the Equal Credit Opportunity Act which is Codified in 15 USC 1691 ( c ) and is Pursuant to Civil Liability Under 15 USC 1692 ( k ) I Have Proof that I was Discriminated against by Nvay Federal Credit Union Due to the Response I Received. Navy Federal Crediut Union is in Violation of 15 USC 1642, USC 1681 ( m ) and CFR 1002 Because. I The Consumer made an Application in Good Faith but was Denied Credit. 

Furthermore, Because my Social Security Number ( CREDIT CARD ) was used and I Received No BENEFITS this is Proof of Fraudulent Activity ( Unauthorized use of Credit ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union Fails to make an Reasonable Procedures to Resolved this Matter and Compensate me for the Use of my Credit Card I will indeed Make Navy Federal Credit Union Criminally And Civilly Liable for all Actual Damages Pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ). 
I will Also Follow up with an Invoice for said Violations ( {$10000.00} ) per Violation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, TransUnion 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 OF Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  : XXXX XXXX TX
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX purchased a potential delinquent account from XXXX XXXX belonging to XXXX XXXX of XXXX XXXX, West Virginia. XXXX XXXX has not lived at the address where this charge would have occurred in over 8 years. There literally is no way possible this " apparent debt '' is less than 8 years old. 

It appears the delinquent date that is showing on his credit report is the date the company purchased the account, not the actual date of the delinquency. There is no legal way this information should still be on his credit report, yet this company is showing the account has only been delinquent since 2016, so it will take that much longer to fall off the credit report. This is FRAUD and I'm filing fraud reports with every known agency that handles these matters.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (TX)

Someone fraudulently opened a credit card with Genesis FS Card Services on XX/XX/21 in my name, and charged {$4000.00} to the card. I found out on XX/XX/21 by looking through my credit report. The card was opened with the address of our rental property in XXXX Florida ( XXXX XXXX XXXX ). 

I called Genesis FS Card Services today ( XXXX ), and they are starting an investigation.