davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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: AMERICAN EXPRESS COMPANY (CA)

I completed my required XXXX XXXXXXXX spend on the Amex blue cash preferred card but I never received my {$350.00} cash back. I also never received my XXXX XXXX points on my Amex XXXX XXXX  credit card.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have mailed all 3 credit bureaus certified mail an affidavit for account validation on XX/XX/2023 and mailed all 9 collection agencies below an affidavit for validation on XX/XX/2023 I asked them to provide documentation and write me back to mailing address about how I am the the debtor and show me all documentation as well as how they proceeded to verify this informations via certified mail, only 2 accounts got deleted and all the other accounts just continued to say they verified it was me and did not even contact me via letter through mail, they did it through XXXX and said they verified the debt without showing me any information or documentation on how they verified me as the debtor, I included copies of my social my license and an irs identity theft affidavit to each bureau and each collection agency and demanded paperwork or any kind of proof to show me how they verified the information and they couldnt even do that, these companies are not complying with the law and my rights nor is the credit bureaus, they decided to reach back out to me online through XXXX and just say it was validated and verified with no documentation and no mail back to my address, I have been demanding them to show me documents and how they verified me and they will not answer me nor show me any evidence of how they verified anything, I know my rights and I know that they are in the wrong by furnishing these accounts to the credit bureaus because these are not my accounts or my debt, they continue to Harass me and call me but wont do there job after I sent them certified affidavit letters of account validation, they continue to just say these debts are verified With no documentation when Im asking them thoroughly that they show me all the documents and how they proceeded to verify these accounts are mine, please help me because I am not only trying to repair my credit and do things the right and legal way and they continue to do illegal activities and not give me any type of explanation or documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA 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 2023-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX, XX/XX/XXXX, XXXX & XXXX of the year XXXX as well as XXXX & XXXX of XXXX, I fell behind on payments because of the unforeseen occurrence of XXXX prohibiting me from being able to work. I was without a job prohibiting me from making payments. These late payment are continuing to affect my credit score tremendously and is continuing to affect my ability to take care of my family not being able to get approved for living. 

In accordance with the Fair Credit Reporting Act. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I recently discovered that my nonpublic personal information was displayed on my credit report without my written instructions and consent. This information was disclosed to a third party without my authorization, which is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I understand that my nonpublic personal information may have been disclosed due to an error or oversight on the creditors part, but I want to emphasize the importance of protecting my private information. I am concerned about the potential consequences of this disclosure, including identity theft and financial fraud. I request that you take immediate action to correct this violation by removing the unauthorized information from my credit report and any other third-party disclosures. Additionally, I request that you provide me with a written explanation of how this happened and what measures you are taking to prevent it from happening again in the future. I would appreciate a prompt response to this matter, and I hope that we can work together to resolve this issue and protect my privacy rights.
Consumer complaint received 2023-02-24
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX  XXXX XXXX XXXX Balance {$39000.00}
Consumer complaint received 2023-02-24
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. (CA)

the following inquiries are fraudulent and needs to be removed : XXXXXXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX )
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC. (AL)

PROFESSIONAL ACCOUNT SERVICES, INC ATTN : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$380.00} Dear PROFESSIONAL ACCOUNT SERVICES, INC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX recently reported as of XX/XX/XXXX in XXXX and transunion as late and delinquent payments when the account was closed previously I have been trying to get this account removed over 5 years these people are mos reporting info they I have since reported to the bureaus and they were supposed to close and remove account. this account was also reported XXXX as well. Also look into XXXX collections as well they were recently reported as of this month XXXX this is XXXX XXXX also reported this XXXX was under a previous creditor they sold the debt and re reported this debt which is illegal.
Consumer complaint received 2023-02-24
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-05-28
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

I have been trying through XXXX  and Rushmore to have the delinquent status of the Rushmore removed from my credit report. I filed a dispute with XXXX  and supplied documentation from Rushmore of the payment accurately made and that Rushmore had indicated in a letter to me that they in fact received my payment and the reporting would be updated. It still hasn't. I just received notice, XX/XX/2020 that the information XXXX  has and investigation of the dispute not handled and below is the email received on the XXXX  dispute Results Report Number : XXXX Date Generated : XX/XX/2020 RUSHMORE LOAN MGMT SER Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I have two documents 1. receipt of payment 2. letter from Rushmore acknowledging ( which has been supplied directly to XXXX )
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XXXX I spoke with a unknown woman from Citizens Bank. She stated that my Business checking account with " ALL AT ONCE XXXX XXXX XXXX " was on hold because my business address didn't match, she also stated that my license number didn't go to anyone, she questioned me about why i get my license in XXXX of XXXX. She also stated my ssn wasn't registered to a person. This unknown woman stated once I went to the bank to fix errors she would release my funds. Once i went to the bank I filled out a w-9 form, I gave the banker a copy of my drivers license and ssc. The banker brought to my attention that the first 3 numbers were different in the system than what was showing on my ssc ( updated ) Human error. Also he ran my drivers license number and it came back valid. I don't understand why this unknown woman lied and said my license weren't valid. I contacted the unknown woman back. The text messages are attached. Please look at attchments. This woman lied to me she did'nt release my funds like she told me she would. I've been trying to reach out to unknown woman she will not return my phone calls or text messages now. I sent this person personal information via text message I'm not even sure if this is legit at this point. All I want to know is wny my account on hold and why am i being investigated. I feel this is XXXX profile for the fact this unknown person stated she doesnt understand my bank activity. ( This is my bank account therefore my banking activity has nothing to do with anyone as long as i'm not commiting fraud. ) My company did a background check on the XXXX cell phone XXXX. The background check shows a XXXX XXXX or XXXX XXXX as the owner. Email address XXXX Fraud XXXX XXXX On XXXX I left a message with XXXX XXXX via her voicemail. I called the number on the letter she updated on the cfpb website. I have not yet got a return phone call. I still have not got an update about my account. I have no idea what is going on. I went to the branch but no one is giving me answers. 

i called XXXX XXXX today which is XX/XX/XXXX still no answer.
Consumer complaint received 2021-11-30
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. (TX)

I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX ) - XXXX  XX/XX/XXXX ( EQUIFAX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX  ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XX/XX/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 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 XXXXXX/XX/XXXX ( XXXX ) - XXXX XXXXXXXX XX/XX/XXXX ( XXXX ) These inquiries according to the FCRA were not made due to XXXX firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these inquiries.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Partners Financial Services Inc (AL)

PARTNERS FINANCIAL SERVICES, INC ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$7900.00} Dear PARTNERS FINANCIAL SERVICES, INC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CO)

DISCOVER CARD RECEIVED A FULL PAY OFF FROM ME EARLIER THIS MONTH. WHEN I PULLED MY CREDIT TO MAKE SURE THEY HAD REPORTED IT CORRECTLY I NOTICED THAT THEY HAD REPORTED MY PAYMENT LATE TO THE 3 MAJOR CREDIT BUREAUS FROM XXXX OF XXXX TO XX/XX/XXXX WHICH IS INCORRECT AS MY ACCOUNT WAS PAID EACH MONTH ON TIME WITH A PAYMENT THEN WHEN I FELL ON HARD TIMES IN XXXX WITH SOME HEALTH ISSUES INSTEAD OF LETTING MY PAYMENTS GO I HAD AN DEBT MANAGEMENT COMPANY COME IN TO MAKE MY PAYMENTS. ALL PAYMENTS WERE CURRENT EACH AND EVERY MONTH MOVING FORWARD. AS A MATTER OF FACT EACH MONTH I MADE DOUBLE THE AMOUNT THAT DISCOVER WANTED. THEN I PAY THEM OFF THIS MONTH AND NOW I SEE THIS. 

I CALLED DISCOVER AND THEY ARE UNABLE TO PROVIDE VERIFIABLE PROOF THAT I WAS LATE WITH MY PAYMENT. THEY SIMPLY SAY " OUR SYSTEM SHOWS THAT IT WAS '' THIS DOES NOT MEET THE FCRA REQUIREMENTS WHICH SAYS ALL INFORMATION BEING REPORTED HAS TO BE 100 % ACCURATE, COMPLETE AND VERIFIABLE. 

THEY ARE ALSO STILL REPORTING IN THE COMMENT SECTION THAT THE DEBT IS BEING HANDLED BY A THIRD PARTY TO MAKE PAYMENTS. THIS IS INCORRECT. 

I AM NOT SURE WHAT DISCOVER CARD HAS TO GAIN BY REPORTING THIS INFORMATION SINCE THE ACCOUNT HAS A XXXX BALANCE AND IS CLOSED. I AM REQUESTING THAT ALL LATE PAYMENTS THAT WERE REPORTED ON THIS ACCOUNT BE REMOVED IMMEDIATELY AND ALL COMMENTS THAT REFERENCE PAYMENTS BEING SUBMITTED BY 3RD PARTY DEBT MANAGEMENT BE REMOVED. 

THE ACCOUNT IS IN GOOD STANDING AND THERE SHOULD BE NO REFERENCE OF ANY LATE PAYMENTS IN THE PAST AS THE ACCOUNT HAD PAYMENTS MADE EACH AND EVERY MONTH.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

JEFFERSON CAPITAL SYSTEMS , LLC ATTN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CO XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account Number : XXXX XXXX  XXXX Account Number : XX/XX/2022 Alleged Debt Amount or Balance : {$640.00} Dear JEFFERSON CAPITAL SYSTEMS , LLC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( XXXX ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( XXXX ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( XXXX ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.