davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

A. I called in to Women Within to place an order B. I was told to get app and make order that way so I did. but I got an error message stating I could not place an order I must call in.

C. So I called Women Within back to tell them, they told me that the would send situation to tech to fix it.

D. They took my order over the phone. I ordered 3 dresses to receive in 3 days so I paid extra for fast shipping. XX/XX/1920 E. I received items in 3 days.

F. I sent back 1 dress.

G. I checked the online credit Barclay/Juniper to see if I got the refund. I did receive the refund. But the bill was high so I looked to see what the problem was and that Women Within had charged me the same amount the following day. 
H. I called my credit card company I told them that I was charged twice. the man at Juniper/Barclay told me he would handle it that I don't have to pay that he removed out of my account, I. Then 3 weeks later I received a package in the mail from Women Within but I hadn't ordered anything else. This was about 3 weeks after I had received the original order and had sent back 1 dress from that order.

J. I called Juniper and reported this but I had not opened the package the man asked me to open it but I didn't I only peeked in through an airhole in the plastic wrapper. He told me to request a label.

K. I received a letter the next day stating that I had been sent to their XXXX XXXX XXXX I called them they told me that was should not have been sent to Collections, to open package to the label out and send it back to write in the invoice duplicate order.

M. I had a witness to this phone call and he wrote a statement about the call and me getting the label and sending package in.

N. I had a witness to delivering package to the XXXX Post Office she write a witness statement too.

O. I have a letter stating they received this information and that I don't have to pay for the other items.

P. In XXXX Barclay wrote to me stating I had to pay and that they have receive nothing from me.

Q. I called them about this they said they have received nothing from me no witness statements or anything. I asked if they through everything I send away no response. 

The reason that I didn't have the receipt print out of the reurn is because when I got in the line at the post office there was too many people in there because of the covid-19 rules. They said that anyone with a printed return label on their packages should place it in the return area because there was to many people in the post office. If we didn't move along the place could be shut down.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXX-XXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX BANK XXXX XXXX Account XXXX XXXX # 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 2020-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MN)

During the covid19 period that debt collectors were not to be trying to collect debt I was contacted by XXXX, XXXX and XXXX. It started in early XXXX. I sent proof that I could not pay and that I had funds that were not garnish able and asked them for no contact by phone. The amount of calls I was getting was insane. Very soon after We had a knock at our apartment door in a secured building. I opened the door thinking it was someone that I knew. It was a server not law but civil and he has no mask on which the sign is on both doors down stairs where he came in.Handed me the paper work and off he went. The Proof of verification had not yet came I asked for from before nothing. So I read everything and answered his complaint. I had filed bankruptcy in XXXX and being all the dates and transactions were redacted I had no clue when this was from. I did the best I could not having access to a lawyer and legal aid being closed. The lawsuit was for XXXX dollars and there was no mention of the fact the lvnv was sitting on XXXX in dollars in more debt, which is against the law. The only thing on my credit by lvnv at this point was the XXXX then on XX/XX/XXXX XXXX more shows up on my credit and never had a letter about it. I filed a complaint with CFPB in less than a week the name on the debt changed to the original credit card company synchrony. Well that is who sold the debt to LVNV after they closed the accounts and wrote off the debt. I am told that because they put it on my credit and also left it out of there summons it is no longer owed to anyone. I still have not been given the proof of validation on anything. The amounts of the paypal credit is disputed to XXXX and they never should have sold the debt before resolving that.There was issues with items not arriving from ebay that was purchased XXXX. They took and closed my account and sold the company to synchrony I am sure they never told them it was all under dispute as XXXX is 100 % guaranty to arrive and work. I have had thousands in items never arrive and some that did that were broken. That was never addressed by XXXX. These items are still on my credit report and need to be taken off.
Consumer complaint received 2024-12-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (GA)

I had an account with this company from XX/XX/XXXX to XX/XX/XXXX. I received active military orders to XXXX  from my then duty station to another and called that month to have the account closed and the services disconnected. Apparently, they did not, as I received a call in XX/XX/XXXX from a collections agency to collect a debt of {$390.00}. They said {$120.00} of that was for an unreturned equipment charge, and the remaining {$270.00} was for services rendered from XXXX and XXXX of XXXX. I took responsibility for the equipment and paid the {$120.00} but refused to pay the {$270.00} as I was not in the area due to my permanent change of station and was therefore not utilizing the services, not to mention that I had already called to have the account closed. Now, I'm trying to close on a home but this debt started being reported in XX/XX/XXXX and is tanking my credit scores by XXXX points. My home loan representatives require a " pay-to-delete letter '' as that may be the only thing to improve my credit. Multiple calls to the company and to the collections agency has yielded no luck. Our new plan is to dispute the charge and maybe have it deleted that way on account of the debt being illegitimate. I'll pay it at this point just to be done with it, but being stonewalled by everyone we speak to is becoming impossible and frustrating.
Consumer complaint received 2020-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

On XXXX XXXX I contacted the CFPB in regards to a complaint # XXXX that was submitted in XX/XX/XXXX. However I conversed with an agent and I was informed that my complaint needed to be forwarded to the Federal Trade Commission. I called the XXXX XXXX XXXX XXXX and I was not successful answering the security questions accurately in regards to the Derogatory Marks and /or Collections on myXX/XX/XXXXReport and the agent continued to coach me by phone to register on line. Once I set up the online account for the CFPB I viewed the collection account For XX/XX/XXXX and I found LJ Ross # XXXX for {$150.00} that was paid and closed on XX/XX/XXXX. I had no knowledge that the account was there because I was told once the account was paid in XXXX it would not affect my credit at all, it would be closed out. I contact LJ ROSS and XXXX said it will not be removed. I do not think it is fair to have {$150.00} Lingering on my credit report after I was told it would be closed years ago and no reported. On XX/XX/XXXX I also paid {$30.00} to close out any debts in there office. Please remove all debts that were previous paid.
Consumer complaint received 2023-04-14
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. (FL)

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. 

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, 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 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 2020-11-15
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: Experian Information Solutions Inc. (NJ)

I recently sent letters over 60 days ago to XXXX  and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my TransUnion, XXXX, and XXXX files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information.

Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy.

Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint.

Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (CA)

First Credit Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX {$63.00} Amount Disputed Dear Sir : First Credit Services Inc. is attempting to collect an invalid debt referred from XXXX XXXX, XXXX XXXX, XXXX WA XXXX a membership that was executed when I was a minor. Additionally the membership was cancelled in writing certified registered return receipt with my parents under COVID-19. All three memberships were cancelled at the same time. same letter. Memberships were cancelled in XX/XX/2020. Any fees associated with my parent memberships were waived. The fees associated with this membership apparently were not removed due to my age? I was supposed to hear from a XXXX XXXX Manager as representatives are not empowered to deal with this type of situation. However I never did. I received a collection letter dated XX/XX/2020 This is clearly age discrimination and an unfair, deceptive and abusive practice. XXXX XXXX in XXXX WA refused to treat me the same as my parents. 

I have asked for proof of debt and sufficient proof of why I am being treated differently due to my age. The related memberships are closed and paid in full. Any associated fees were waived. This membership should have received the same fair and equal treatment. All three memberships were on the same auto pay from my parents account and in good standing until the membership were cancelled. The only difference is my age and age of consent. This is not a valid debt and it should not have been forwarded to First Credit Services. Any derogatory credit reporting should be corrected immediately. 

I am currently unemployed which makes this even more disturbing.
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2 (FL)

Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-11-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have Bank of America checking and saving account since XXXX. 

1 ) XX/XX/XXXX, I found my bank account shows - {$790000.00}, I was shocked and thought my account was hacked. I went to local BOA branch ( XXXX XXXX XXXX, XXXX, DE XXXX ) immediately, the assistant manager Mr. XXXX told me that my account was not hacked, it was hold by BOA, and he help me to called BOA, but he did not get any useful information because his limits of authority. 

2 ) XX/XX/XXXX. My husband and I made an appointment with local largest BOA branch at XXXX XXXX XXXX, XXXX, DE XXXX we met Relationship Manager XXXX XXXX XXXX He called BOA and said my bank account was closed by BOA Risk disclosure department. my balance will be mailed to me by check in 7-10 business days. he opened a case number for me, the case number is XXXX 3 ) XX/XX/XXXX. 17 days passed, still not received my balance, I called the BOA to check the status of my case, I was told my account on fraud investigation and transferred to back office, they do not know what's happen, the whole process may take 45-90 days. 

4 ) XX/XX/XXXX, BOA client protection department called my husband phone number, at that time, he is in office, i am at home, but they did not want to talk to my husband. I have to call back BOA client protection department. The line always busy, I have to keep calling and calling, finally, operator picked up the phone and checked my case, and said my case is in Risk disclosure department, there is no update. I request talk to Risk disclosure department manager, finally a gentleman picked up the phone. I asked why BOA closed my account without any explanation. He told me when I open a new account at BOA, I signed a contract, BOA has right to close my account without any explanation. I am XXXX lady, English is not my native language, my listening and spoken English not good. But he spoke very fast, did not answer any question, just repeat and repeat BOA has right to close my account without any explanation. I feel so frustrated after talking with this manager, I feel discrimination, my heart beats super fast, my hands are very cold. I can not do anything in next few days. my XXXX  got Irregular, I do not want to eat and sleep. I have to see doctor on that weekend, and talk to XXXX. 

5 ) XX/XX/XXXX, BOA called me, told me my case was closed and will refund a check to me. The check amount is 1 % of balance. I asked when I can get the remain 99 % balance, they said there is no time frame to release it. My XXXX XXXX at that time. That is my 20 YEARS SAVING! 

I am just a civilian, I know nothing about bank fraud protection. Bank of America can NOT transfer their Operational risk and defects in their system and process to his client. I want to get my money back!
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

Victim of intimidation, extortion, and even XXXX. 
Begging for Discover to do what is right, and stop trying to nickel and dime me whenever I do not have a job, a vehicle to drive, and survived a horrible, horrible accident. I have rights and have been taken advantage of by Discover and other financial institutions. Realize they contacted me even after they were " closed ''. It proves I am correct and if more people do not pay attention or demand more accountability they too will be targeted, victimized, and even XXXX 'd etc. ( if not already have been ). 
Discover has every customers social security # etc. this information is traded and disseminated at a level that many consumers are not aware about. Why do you think your name is in all caps whenever you receive something via mail? 
You are treated like a corporation. The customer is supposed to be protected and have rights. This is a lot of money and power concentrated with access to large volumes of information on banking customers. 
No one is spared, this is done to maximize control, power, and leverage combined with A.I. capablities the general public and government themselves are still learning about and trying to understand the full lengths of. I have requested Federal Witness Protection, and could not even buy water, Wednesday XX/XX/ -that is a basic essential to survive! That is the level of power and influence that Discover etc. has. 
I have been in Fear For My Life and requested Federal Witness Protection days ago, and am a minority. I had an unmarked, black and white police car with no overhead lights above it ( looked like a crown vic ) that followed me down a boulevard that your tax dollars pay for customers as well as college police outside where I live Wednesday XXXX XXXX XXXX  This can not be exaggerated. I have been targeted, surveillanced, watched, and so on for days! I was contacted by all my banking institutions etc. within 24 hours Wednesday, XXXX XXXX XXXX  Thursday, XXXX XXXX XXXX I pray that every customer that knows about CFPB will see this and that my words will be heard, my life spared, and that the people who have done this to me will be exposed, and prosecuted to the fullest extent of the law. I have lived in fear, been withheld of my basic diginity and rights and damages suffered incredible damage as a result, and have requested Federal Witness Protection multiple times. 

XXXX XXXX XXXX
Consumer complaint received 2020-11-15
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: CBC Companies, Inc. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with 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 XX/XX/XXXX XXXX AND XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX  as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.