davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Phone number calls every single day, in and outside of business hours to my work phone claiming to be from capital one. I do not have any affiliation with capital One, nor does this agency. 

A search on the internet shows that this is potentially a scam and asks for deposits, social security numbers, and other personal information.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Army and Air Force Exchange Service (CA)

Military Star has reported with negative remarks of 7 missed payments and current deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30/60/90 days reported on last reported date XXXX 2014. This account is reporting as open. THIS ACCOUNT IS CLOSED AND WAS FILED UNDER BANKRUPTCY which was discharged in XXXX 2014. I attempted to contact Military Star in regards to this matter with no resolution.. Please remove this negative information.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OR)

How it all started XX/XX/XXXX : I purchased a return Air Ticket to flight from XXXX to XXXX with XXXXXXXX XXXX XXXXXXXX for {$2400.00} with Chase credit card ending XXXX Breakdown : First leg of the trip with XXXX Airlines : {$970.00} Second leg ( return ) with XXXX XXXX XXXX : {$1400.00} XXXXXXXX XXXX XXXX ( Travel Agent fees ) : {$23.00} Total : {$2400.00} The Trip : - First leg of the trip went well with XXXX XXXX. 
- Second leg ( return ), on XX/XX/XXXX, XXXX, with XXXX XXXX XXXX. I flew from from XXXX XXXX XXXX where I missed my connection. XXXX XXXX XXXX and XXXX XXXX XXXX refused to put me on another flight. 
I purchased another air ticket to flight from XXXX to XXXX for , the next day, with XXXX at {$670.00}. I overnight at the XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX reimbursed my {$1400.00} for service not rendered. 

The Problem : Repetitive charges on my Chase credit card for no purchased merchandise or service. 
XXXX XXXX XXXX  charged my Chase Credit Card for {$2400.00} once again, on XX/XX/XXXX. That is the exact amount of the initial air ticket I have purchased on XX/XX/XXXX. I did not make this purchase. It is an arbitrary charge. I did not purchase merchandise or service from XXXX XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX, Chase credit card made an adjustment of {$2400.00} after my complain. At this point, I was issued a new credit card ending with XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX charged my Chase Credit Card for {$2400.00}, once again, without any purchase from me. It is an arbitrary charge. I did not purchase merchandise or service from XXXX XXXX XXXX on XX/XX/XXXX I disputed the charge unsuccessfully multiple times with Chase credit card. 

XXXX XXXX XXXX asked me, when contacted, to withdraw the dispute case I filed with Chase credit card as a prerequisite for any negotiation.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NJ)

i sent my letter off in XX/XX/2023 i told the bureaus to " investigate every piece of information '' on the accounts i have listed below. Also i have attached the letter i sent out and here the tracking #.

according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 item of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have credit credit report showing the inaccuracies. 

Accounts MIDLANCRED 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 MIDLAND CREDIT 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 2024-02-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I asked rent debt automated to provide me with a contract with my signature and they were unable to provide me the documentation I have a statement from the debt collector rent debt automated stating they do not have any documentation or contract with my signature on it this fraudulent I dont know where this debt came from I dont not owe this money please remove from my credit report immediately or I will be seeking litigation attach will be a statement from a representative from rent debt automated stating the the company is unable to provide proof of this debt PLEASE DELETE FROM CREDIT REPORT IMMEDIATELY
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have reviewed my consumer reports and notice I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in and on this XX/XX/XXXX and XX/XX/XXXX. Please Investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated and to paid as agreed on time as they should be due to the fact I was never late.Please see screenshot attachment.
Consumer complaint received 2024-02-22
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. (MD)

I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. They sent me a debt collection statement and insisted I disclose XXXX and other personal information to file a complaint. Despite my persistence, they refused to allow me to proceed without divulging this information. 

Upon reviewing the account claimed by " XXXX XXXX XXXX 's XXXX, '' I found it was not associated with me. I demanded that XXXX validate the debt, cease any collection action, notify credit reporting agencies of the erroneous debt, and refrain from further collection efforts. During my conversation with a representative from a call center in XXXX, they informed me that XXXX might respond within 90 days. 

Subsequently, I conducted online research and discovered numerous complaints against both XXXX XXXX XXXX XXXX XXXX 
and XXXX XXXX XXXX. It is evident that these companies should be held accountable to adhere to legal standards and refrain from engaging in deceptive debt collection practices or exploiting consumer information. 

I took proactive measures by sending certified letters, accompanied by a copy of my driver 's license and a utility bill, to XXXX XXXX XXXX on XXXX and XXXX. These letters were sent after I obtained a copy of my consumer report, which revealed that they were reporting a debt in my name. In these letters, I requested verification of the debt 's authenticity and urged XXXX to provide documents bearing my original signature, given my status as an identity theft victim. Despite these efforts, XXXX XXXX XXXX failed to furnish the necessary disclosures for debt verification. Meanwhile, they persisted in sending collection letters and making calls regarding a debt of which I have no knowledge.
Consumer complaint received 2024-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lake City Credit (OH)

Had a XXXX card in XXXX. It went default. Another company bought the default and that I made some payments to prior to XXXX but there was never a signed agreement. Now 14 years later they are constantly calling daily, and recieve 2 or 3 notices a week in my mail threatening credit reporting and further actions if I don't pay immediately. The XXXX  amount was XXXX dollars. Lake city credit on XXXX XXXX TX bought it and and charged XXXX. Now tacking on interest of XXXX and demanding XXXX. Texas law can only hold a default for 10 years. Remember that I have never signed an agreement
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/year> I contact Barclays of Delaware and asked them to please look into why they pulled a hard inquiry on my credit report, and that I did not recognize this. They took my social and date of birth and states that they didnt have any information showing. They told me that I need to call XXXX and request an Acct ID number and call them back. I stated Why would i call you back with an Acct ID if you just ran my social and date of birth and nothing popped up? I ended the conversation and contacted XXXX customer service immediately. He told me that he didnt understand what Barclays meant by an account ID and said he was listing this as fraud. I was asked to complete this report, and once I received a copy, to mail it to XXXX so that it can be removed from my report.
Consumer complaint received 2021-03-11
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/2020 I sent in a request to have items I believed to be fraudulent removed from my Equifax credit report. All inquiries that extend from XX/XX/2020 through XX/XX/2020. Since I had not seen any activity, I am filing this complain so that I can have this issue addressed with the urgency and sensitivity it deserves. Being a XXXX Veteran on a fixed income, during a pandemic has been a struggle to say the least. But to add insult to injury I am also one of the millions of affect Texans affected by the snowstorm last month. I only want to see that this issue is resolved so that I can focus on other pressing issues dealing with the transitioning state of my health.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am writing to dispute fraudulent information on my credit report. Upon reviewing my credit report, I discovered several accounts and addresses that do not belong to me. The fraudulent information includes the following : Fraud Names : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX Fraud Addresses : - 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  Fraud Accounts : XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. XXXX XXXX XXXX  - Account number XXXX Additionally, there is a record of XXXX XXXX bankruptcy discharged with the reference number XXXX. This bankruptcy does not belong to me and is a result of identity theft. 

I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit.

Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information.

I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request.

Please inform me of the actions you will take to resolve this matter. You can reach me at XXXX to discuss this further. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

Uploaded XXXX XXXX for eligible employer XX/XX/XXXX. Payment counts did not update. Called MOHELA and spoke with customer service in XX/XX/XXXX and was told there is au automatic payment review from Dept of Education which should complete XX/XX/XXXX. Payment counts updated eventually in XX/XX/XXXX and the XXXX form was processed however the payment count was incorrect. I contacted MOHELA in XX/XX/XXXX and they said they will initiate a manual review. It is now XX/XX/XXXX and there has been no update.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (VA)

Citicard allowed my credit card to be used over the credit limit they set. Then instead of allowing me to pay my original minimum payment they are requesting I pay the minimum in addition to the over the credit limit amount.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX. I am writing to demand that my privacy rights be respected. 

XXXX, Equifax and XXXX are in violation of my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my rights to privacy, but they have also violated the FRCA. They are sharing my information without authorization, consent or written instruction. I have no contracts with these consumer reporting agencies, and they have no excuse for sharing my information with their affiliates. This is invasion of my privacy and extortion. They are threatening to continue disclosing my personal information until I pay.

This is also a violation of the criminal code 18 U.S. code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft, 18 U.S. code 1028.

In addition to these blatant violations, there are still more problems unresolved. I expect all late payments to be removed and transactions to be excluded from my report. So much of the FRCA has been violated that I have grown weary of finding violations. I will simply list them as follows : 1. 15 U.S. code 1681a 2. 15 U.S. code 1681b 3. 15 U.S. code 1681c 4. 15 U.S. code 1681i I am demanding the cease of improper reporting and knowing violations as per 15 U.S. code 1681s.

In order for equitable relief, I demand the following items be corrected and/or removed without delay and rapid restoration of my report and score, or I will be forced to instruct the CFPB and FTC to do a thorough investigation. 
XXXX. XXXX XXXX - XXXX - account removed from my report. 
XXXX. XXXX XXXX XXXX- all late payments removed and listed as " paid as agreed ''. 
XXXX XXXX- all late payments removed and listed as " paid as agreed ''. 
XXXX. All XXXX inquiries. 
XXXX. To have all addresses except " XXXX XXXX XXXX, XXXX, Pa XXXX '' be removed from my consumer report. 
XXXX. To have all employers except for " XXXX XXXX '' removed from my consumer report. 
XXXX. To have names except for " XXXX XXXX '' removed from my consumer report.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I have an account reporting to my credit profile that I do not own and have never owned and did not authorize any collection agency authorization to report this fraudulent account to post to my credit report, I reached out to the company and let them know that I have never had an account with them and that I am a victim of identity theft and requested them to send me a validation letter with my signed wet signature that proves that I have account with them. I provided them with my FTC report and also let them know that I was also a victim of the Equifax data breach and let them know that I have been working with a Settlement Administrative to help me recover the data breach because my information was leaked as well, and instead of them providing the documents I requested they just reported the fraudulent account to my credit report which is in violation of my rights because I do not have or ever had an account with this company. 
This account should not be furnished on my consumer report as they are in violation under 15 USC 1681 b permisable purpose of consumer reports ( a ) in general subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. 
NO CONSENT IS IDENTITY THEFT also. As a consumer I am demanding the deletion of the account IMMEDIATELY!!
Consumer complaint received 2021-03-11
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. (OR)

I purchased from a company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who stated my goods ( a weight set ) were shipped in XX/XX/2020, and every time I reached out to the company for information and tracking, I was met with excuses. I still have not received ANY goods for the {$440.00} I paid, so I reported the fraud to my credit card company, Citibank. My credit card company, Citibank, closed the dispute and decided I was liable for the charges, but I still have not received any goods, nor am I receiving any information or responses about tracking from the company. I have good reason to believe this company is running a fraudulent business. The company 's website, www.solardrop.com, is now offline completely.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.