davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
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: LEXISNEXIS (GA)

To whom it may concern, Lexis Nexis has lied about the verification and I have recently discovered that there is unauthorized information in my name being used on credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-07-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$900.00}, {$1200.00}, {$2600.00}, {$2300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2021-07-04
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. (LA)

Sent a affidavit of truth XX/XX/XXXX cease and desist 30 days pass never any communication with this bank account over {$62.00} that was fraudulent Identification on XXXX XXXX. Police reported XX/XX/XXXX XXXX XXXX is not responsible for such debt. Stated statue of limitations was violated per 15 USC 1692 ( a ) ( e ). according to 15 USC 1592,18 USC 8. Unfair Debt Practices phone was hung up twice once teller began to get upset with this matter asked to be transfer was given very unfair treatment. My contact information is accurate and in compliance as of this statement.
Consumer complaint received 2022-10-06
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2021-07-04
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: EQUIFAX, INC. (GA)

I have over 23 inquiries on my Equifax credit file, I want these inquiries removed they are fraud I have filed a FTC identity theft report, I do not recognize these inquiries, Equifax has failed to even help knowing I filed a FTC identity theft report about these inquiries please remove these inquiries off my credit report it is my right to dispute any wrong or fraudulent information in my credit report And please remove this fraud alert on my Equifax credit file I did not ask for this to be put on my report and I want it removed immediately, thank you
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (PA)

I had my loan on auto pay on XX/XX/XXXX my bill is due i. it pulled and was cleared on XX/XX/XXXX. I took it off auto pay. On XX/XX/XXXX They pulled XXXX payment i found messaged ally on XXXX. On XX/XX/XXXX i checked my bank account and the pulled the XXXX payment. I went onto my ally online account and got a response and about them saying about insufficient funds so i called called ally. And spoke to XXXX. He told me it was because i took my bill off auto pay. We spoke back an forth.i to him i had proof on my end from my bank i paid then they pulled 2 more times. He explained to me it had to been a mix up or something. He would refund the money they pulled on the XXXX and then i needed to send a copy of the screenshots of my bank sccounts and/or records throught there app. I attempted informed him i couldnt. He told him to fax them. I had no way to access a fax machine. He then he then up me on hold. I was given the run around over agian. Being transfered from customer service to billing. Told no one can do anything besides using the app. No supervisor will talk to me. I cant email they anything. I asked to resolve the situation and i just get well bc my computer say its this way ur wrong. 


XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( cant give out my member # id ) I answered put her on speaker. She told me seps payment was late. Its do the XXXX. The told me it was XXXX ( Another adult in room ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX ( won't give employee id ) XX/XX/XXXX ( says im 14days past due ) ( cant hear me all of a sudden so hung up and i called back on my husbands phone ) XXXX ( was hung up on on husbands phone ) XX/XX/XXXX XXXX ( hung up on husbands phone agian ) XXXX # XXXX XXXX Called 2x on XX/XX/XXXX first time i missed. 2nd time i answer XXXX answered when i asked where he was from he mumbled and when i asked to repeat he hung up. 
XXXX # XXXX XXXX ( put me on hold and sent me back to main menu ) XXXX # XXXX ( hung up on her she was going to put me on hold for 2 to 3 mins ) around the XX/XX/XXXX XXXX XXXX ( say companyhas no d numbers ) ( refussed to speak to my husband ) XX/XX/XXXX XXXX ( no other info. refused ) XX/XX/XXXX 1
Consumer complaint received 2021-07-06
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)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (MD)

I have two complaints on the same transaction. ( 1 ) We are being charged for a balance transfer that we never received ; and ( 2 ) the company changed the offer rate even though we initiated the transaction in time and under the terms of the offer. 
We requested a balance transfer from XXXX XXXX XXXX Visa XXXX XXXX on XX/XX/21 in response to an offer of 7.24 % APR. Subsequently, we received a confirmation in the mail dated XX/XX/21 showing that the APR is 12.24 %. In addition, we hadn't even received the funds as expected. We contacted Cardmember Service on XX/XX/21 stating that we still have not received the funds, after confirming with our bank. Cardmember Service said that they initiated an ACH electronic funds transfer. They could not provide an EFT reference number ( I believe they referred to it as ACH Trace Number ). I confirmed our bank details with them, so it was not a mistake on our end. After speaking with several customer service representatives, they informed us that they would research and send us a letter within 15 business days. They also said that they would not offer the 7.24 % APR rate - even though we submitted the request online on XX/XX/21, they did not process the transaction until after XX/XX/21, which is after that rate expired. 
We received the credit card statement on XX/XX/21 showing that they charged our card for the balance transfer on XX/XX/21 at the rate of 12.24 %, yet as of XX/XX/21, we still have not received the funds and they are unresponsive to our requests.
Consumer complaint received 2021-07-05
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. (NC)

Contacted the bureaus multiple times and have been ignored. They have accounts reporting on my report that are identity theft. I also never gave them permission to furnish a report on my behalf. They are suppose to have written instructions from the consumer and they do not have that pursuant to 15 USC 1681b ( 2 ) Permissible Purposes of Consumer Report. Also they have violated other consumer rights. I have filled out a FTC and Identity Theft Affidavit and sent to them and they still have been ignoring my letters. I am demanding that they delete the accounts listed on my attatched letter and I am only giving them 4 business days to remove the items Pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Or I will be seeking remedy.
Consumer complaint received 2018-02-16
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. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.
Consumer complaint received 2021-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

While renting a car for 6 weeks, I was hit twice and filed two separate loss incidents with XXXX, where I rented the car. Claim # 1, the driver who hit me acknowledged that they were at fault and stated that they would like to pay cash to fix the scratches on the BACK of the bumper. Claim # 2 I was hit, but the other driver claimed she had yielded, so each of our insurances determined we would each be responsible for our own cars. The damage for claim # 2 was on the XXXX of the bumper because the other driver had merged into my lane. I am willing to pay for the damage to the side bumper. However, XXXX sent me an invoice for all the damage, and included the damage to the BACK of the bumper which should be billed to the driver for claim # 1. I have sent several emails to XXXX XXXX who is handling my claim, but he has not responded to me. I spoke to him and he said I'm not being billed for the other damage, even though the invoice shows the back bumper damage to repair. I have asked for documentation on claim # 1 so that I can understand how they are separating the claims. After several weeks I received an email stating that they would be dividing the two claims, collect the damages from claim # 1 from the third party, and send me an updated bill, however, I have now received a letter from a collections agency, Transworld Systems Inc. ( TSI ) for the full amount of both claims. I have now mailed a certified letter to XXXX and TSI requesting again that the claims be separated and billed appropriately and that documentation of such is provided to me. I eagerly await their response.
Consumer complaint received 2021-07-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BTH Management (NC)

Plaza service called me on the phone in XXXX of XXXX wanting my personal information to verify a debt from XXXX XXXX XXXX XXXX. They stated XXXX XXXX hired them to collect the debt. I refused to give my personal information to them. A week later plaza services put the debt on my XXXX XXXX report for {$3600.00}. They never validated the date. I sent them a certified validation letter on XX/XX/XXXX asking them to validate the debt. In XX/XX/XXXX plaza services had a company to call me and threatened to file a judgement against me. I never received anything in writing from them. They only called me on the phone. XXXX XXXX XXXX  is also on my XXXX  report. If you look at what plaza service is reporting and XXXX is reporting the dates of when the account was opened do not match and when the last payment was made do not match. I have also been disputing this account for a while with XXXX  because I am a victim of identity theft. Plaza services did not list on the credit report that I have disputed the account with them as well. I hired a credit repair company XXXX XXXX to dispute the account. Ive never made a payment on the account. On the credit report it reads that the account was paid on but it was not by me. In the validated letter mailed to plaza service I asked them to provide what bank account was used because it definitely isnt my bank account. The account is from XXXX which is when I misplaced my social security card and driver license. I would like you to help me to get this account removed from my credit and stop plaza services from harassment/threatening me to file a judgement.
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Consumer complaint received 2021-07-06
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)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax is falsely reporting to my credit report. They are putting a collection on my Report that is a fraudulent Account. I have sent them a fraud affidavit and a personal statement but they refuse to correct the problem. This account is also closed which I confirmed with the Collection agency. This account was removed last year because the Collection agency closed this fraudulent Account and recognized that the account was not opened under my behalf. Equifax is causing me Financial harm. I was never given any notice before I was re- placed in collections. XXXX has no problem fixing errors right away but Equifax is not the same quality.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (PA)

Paypal, held funds, started bank transfer, then denied bank transferred, charge fees and canceled transaction. Spoke with XXXX and her supervisor on XX/XX/2018, but they also denied to help correct the issue. 

Transaction details Print Withdrew Funds to a Bank Account XX/XX/2018 at XXXX XXXX PSTTransaction ID : XXXX Payment Status : DENIED Gross amount - {$100.00} USD Your Payment Gross Amount- {$100.00} USD PayPal Fee {$0.00} USD Net Amount- {$100.00} USD Contact info Bank Account Funding details Funding Type : Bank Account Funding Source : {$100.00} USD - THE XXXX ending in XXXX Funding Type : PayPal Balance Funding Source : - {$100.00} USD - PayPal Account Need help? 
Go to the Resolution Center for help with this transaction, to settle a dispute or to open a claim.
Consumer complaint received 2021-07-05
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)

I HAVE FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection XXXX. Section 401.
Consumer complaint received 2021-07-04
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. (LA)

I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-02
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. (NY)

I noticed some fraudulent inquiries on my credit report. I have filed a complaint with the Federal Trade Commission and received an Identity theft Report. I will upload the document along with my Identity as proof. Please remove the inquiries from my credit report.
Consumer complaint received 2021-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I filed a dispute on the credit bureaus regarding XXXX XXXX XXXX XXXX stating this is NOT my bill. I have been with XXXX XXXX for years. But the debt is still on my account as a collection. Please help to get this removed!
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Citi has refused to refund Thank You rewards points for an airline ticket purchased thru their program. I used XXXX Citi Thank You rewards points to book a flight on XXXX XXXX. My ticket was purchased with points on XX/XX/2020, and the flights were s subsequently cancelled by XXXX. To date, I've yet to receive a reinstatement of the Thank You points from Citibank. I have called the Citi Thank You point help center multiple times only to be told that the travel agency can not do anything, and that it is up to the airline to issue the refund, even though I did not purchase the ticket with the airline, rather I purchased it using Citi Thank You rewards.