davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (NC)

MEDICREDIT INC. a collection agency, has placed several damaging remarks on my credit report ... I have no knowledge of these alleged debts. They attempting to collect for : XXXX XXXX XXXX 3 different amounts, {$510.00}, {$550.00} and {$2200.00} I never received any written notice of this alleged debt nor did I received notice of my right to dispute or request validation of this debt ... a debt that this agency has already reported as valid when in fact it is not. 

The notice serves as my formal complaint pursuant to the FAIR CREDIT REPORTINT ACT and FAIR CREDIT BILLING ACT. 

This agency has clearly violated my rights as a consumer
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/XXXX, I used my credit card to purchase something online which turned out to be a scam. Immediately, after submitting my payment, I realized it was a scam. I logged into the Barclays online account to find that I was not permitted to dispute the issue for 2 weeks. I tried calling their customer support but gave up after 60-120 minutes on hold. I tried calling back over the next few days but kept running into long hold times. I eventually submitted a dispute on this charge online after the 2 week window opened up and allowed me to submit the dispute. 

Credit Card : Barclays Master Card Purchase Date : XX/XX/XXXX Amount of Dispute : {$130.00} XX/XX/XXXX : On XX/XX/XXXX, I received a letter from Barclays. You will see the attached mail from Barclays - Barclays did not believe me and sided with this vendor stating that I supposedly received a package. No package was received. I called the USPS but they had no proof either. 

I have been a great customer since XXXX. I have good credit with no issues paying my credit card consistently. I always pay off my balance - perhaps that's the problem? Even though I knew it was a scam and I never received any merchandise for the purchase, I paid Barclays the {$130.00} since again, I always pay my bills on time. 

I disputed the case again, in writing. 

XX/XX/XXXX I submitted documentation to Barclay again to fight for my case. Finally, you will see that Barclays believed me and said they will issue me credit of {$130.00}. 

XXXX XXXX. I am still waiting for my money. 
I have been calling Barclay many times since XX/XX/XXXX. I do not have it all documented but I called a few times in XX/XX/XXXX. I have documented that I called XX/XX/XXXX and XX/XX/XXXX. Each time the customer service says that I will get my money back and that I should just get it back in 5-10 business days. This has all turned out to be false. 

So, I submit this in deep frustration and disgust with Barclays customer support and handling of this issue. 

So, since XX/XX/XXXX, Barclay has held onto my {$130.00} and not returned it as promised after all this hassle. 

I have closed my account with them in disgust. I expect better customer service and trust in their Customers.
Consumer complaint received 2021-01-29
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. (FL)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (IL)

IN XXXX, I became divorced from XXXX XXXX, who holds a mortgage at LOAN CARE. The divorce decree requires that I refinance this property into my name. The property title has been quit claimed and in my name since XXXX. I am now in the process of doing a refinance, and I can not obtain pertaint information to finish my refinance. 
The contact with my ex husband is EXTREMELY limited. I can not get any information from him. I have faxed my documents to them in XXXX in reference to a fire and insurance claim, so they KNOW that I am the owner and have seen these documents. 
I can not speak with anyone there. No one picks the phone. I constantly need my ex husbands information which I do not have. 
I must obtain a 12 month mortgage payment history, mortgage statements, and a payoff. How can I fulfill the divorce decree requests if this lender does not cooperate with me. I have been the paying the mortgage for years. Please help me.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (AZ)

I paid this debt off XX/XX/XXXX and XXXX  reported to XXXX XX/XX/XXXX that there was still a balance. I recently submitted a dispute with XXXX that this collection has been paid in FULL! XXXX Certified to XXXX that there was still a balance. They lied and are currently hindering me from purchasing a house for my family!!
Consumer complaint received 2024-10-16
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. (VA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2021-05-28
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. (NY)

I Am a PROTECTED CONSUMER. I know my rights. I sent this company a official statement letting them know that I was a victim of identity theft. there were to remove these fraudulent items 4 days after receiving my statement on XX/XX/2021, but these items are still on my credit report. I feel violated and there are FCRA LAWS in place to protect me against this abuse .I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.
Consumer complaint received 2023-11-28
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. (MS)

I was a victim of the Equifax data breach and inaccurate information needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also called the original creditor and file a complaint two months ago.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax currently reports illegal unathorized inquiry on my credit report one XX/XX/2020 Inquiry : XXXX XXXX XXXX XXXX  ; Reporting with no permissable cause, no credit or loan has been awarded. this is a violation of FCRA rules
Consumer complaint received 2021-01-29
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: JPMORGAN CHASE & CO. (NC)

I can't provide exact dates because I have been trying to get this matter settled with Chase Bank USA, N.A. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.
Consumer complaint received 2022-09-27
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. (OH)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OH)

I have no knowledge of this debt, and can not resolve the issue with the company directly so here I am. 


Receivables Performance Reported a collection on my credit account that I have no knowledge of. 


I have requested that receivable performance 1. Indicate when and where the alleged debt originated with the original creditor, when the alleged debt initially went into delinquency, and the complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509 2. Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) states information relating to the purchase of a bad debt is not proprietary or burdensome. Include the source of this alleged debt, the amount paid for the alleged debt, and how the amount sought in collection was calculated 4. Intimate knowledge of the creation of the alleged debt by you, the collection agency 5. Proof of the alleged debt acquired from the original creditor, as mandated by the FDCPA 809 ( B } As stated in the FDCPA 809 ( B }, you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account to the credit reporting agencies constitutes collection activity.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

yrs XXXX thru XXXX, I was expecting monies into my account and there was a deposit of {>= $1,000,000} XXXX dollars to my Wells Fargo account at the XXXX XXXX XXXX XXXX XXXX, TN XXXX. I also, had online banking and I printed a copy of the monies that had been entered into my account and took it to the branch manager of wells fargo bank. the branch mgr. took the information made copies of it and said she will get back with me but I did not hear from her. I was expecting this money from an lawsuits in Tennessee XXXX and XXXX Division and XXXX  District of the XXXX, TN locations in the following Cases Numbers XXXX, XXXX, XXXX, XXXX, XXXX. There afterwards I have received at least approximate 4 to 5 different bank accounts that were given to me by the bank themselves up to current date.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

My Premier card XXXX was charged a {$95.00} annual fee on XX/XX/XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no refund had been credited to my account.
Consumer complaint received 2021-01-29
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: AMERICAN EXPRESS COMPANY (TX)

I have dispute the accuracy of an account with American Express under Section 609 FCRA which requires specific records to be produced by American Express as stated in Section 609 FCRA requiring American Express to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with American Express. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with American Express at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX  for engaging in the very same misconduct that American Express is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for American Express to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with American Express under Section 609 FCRA.
Consumer complaint received 2021-01-29
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. (TX)

A response, explanation, and answer should always be based upon the complaint issued. The Credit Reporting Agencies dont answer and then closes the complaints. What a slap in the face! I sent many attachments ( Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible for theft, identity theft, forgery and false pretenses. ) The Credit Reporting Agencies states they will enter my dispute into their system and review all information and any additional documentation you provide to determine next steps. The Credit Reporting Agencies did not review the attachments and closed the complaints. The Credit Reporting Agencies have found a way to circumvent the intentions of our government and the CFPB. Perhaps this is why we talk with overseas third world countries when we call. The overseas people with language barriers are the ones answering the complaints with " form replies ''. The Credit Reporting Agencies are not American companies. They are concerned more about money than America. Where is my government? Washington has failed taking care of this country.
Consumer complaint received 2021-01-29
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: Bread Financial Holdings, Inc. (WA)

On my credit reports there is a closed account with huge amount of missed payments. COMENITY BANKXXXX Opened XXXX XXXX, 2019 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COMENITY BANK/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

! I pay my balance IN FULL every month less any statement credits. In XXXX. I paid everything in full less a credit that ironically hit XXXX days later, even though it was submitted days before my statement due date! so I got stuck with XXXX in finance charges for a XXXX statement credit .called they would not waive the fee but said if you pay balance in full the next statement then no more fees.I did that for XXXX payment .looked at my XXXX bill and yep..more finance charges!! XXXX this time. called them asked for a supervisor ... and told her to pull up the call I had the prior month with the prior supervisor who refused to credit the finance charges.She found the call date but ironically that call wasnt recorded. XXXX refused to credit the finance charge when the prior agent clearly told me there would not be any more once I paid my prior balance in full by the due date and that calls were recorded.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

1. Signed closing documents on XX/XX/2021. 
2. My XXXX mortgage was to be paid off XX/XX/2021. As of today, XX/XX/2021 it has not been paid. 
3. I was to receive settlement funds, wired to my checking account. They have not been sent.

4. Interest is accruing to both my old mortgage and my new mortgage. 
5. Lender, Quicken Loans, did NOT contact me to notify me of any issues. I had to contact them to report their errors.

6. Lender told me they will look into the issue by sending it to an analysis department.

7. I told lender to call me by noon today to inform me of the status and resolution.

8. Lender has not called as of noon.

9. If there was an issue, lender should have immediately notified me. I should not be responsible for notifying them. 
10. Lender violated their financial and statutory responsibilities.

11. Lender 's actions are abusive, irresponsible, and possible criminal.
Consumer complaint received 2024-10-16
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. (MS)

Recently, I did an investigation on my credit report which caused XXXXXXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-06-06
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: Credit Card Receivables Fund Incorporated (FL)

Unifund CCR LLC bought this debt from XXXX XXXX XXXX  XXXX. However this debt has been dismissed by a court in XXXX, MD and should be deleted. I will include the attached Maryland Judiciary Case Search file to this complaint for viewing. Please remove this from the file asap. Additionally I am impacted by Covid19. Please not this all stemmed from the XXXX XXXX XXXX  phone teams mishandlings of the file. They were very XXXX and tribal toward me. Putting me on long hold times and shouting like animals at me. Making the servicing and handling of this account impossible. The XXXX girls and XXXX girls were especially mean. This was vengefully sabotaged. The practice is called " derogatory the privileged white mans credit and finances '', unfortunately this movement of sorts is going on in call servicing centers around the united states. They chastised me when i mentioned i voted for trump. The call center suffered from " trump deraingement syndrome '', a now very popular term. I saved dozens of recorded phone instances. The judge deleted this case and it now needs removed from my credit. The fair debt collection practices act was broken and amounts as well as fees inflated. To avoid further legal action and civil suite please remove all negative credit reporting. Please do this for XXXX, XXXX  and XXXX. Respond in writing to this complaint that you did so. Provide me a copy of this in writing by paper copy printed and mailed once done. Thank you.
Consumer complaint received 2022-09-27
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.