davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

On XX/XX/2022, I called the call center for the Law firm of Linebarger Goggan Blair & Sampson, LLP regarding alleged outstanding debt. The law firm represents the XXXX XXXXXXXX XXXX XXXX XXXX regarding collections. 

I first received a letter from this law firm sometime late XX/XX/2022. The letter was dated XX/XX/2022. I verbally requested a debt validation and proof of the dates I received the toll violations when I first called the law firm on XX/XX/2022 and was informed I need to do this in writing. I had already done this to XXXX XXXXXXXX on XX/XX/2022. I then faxed a validation letter to the collections law firm on XX/XX/2022. As far as I can tell even though I sent the validation letter to XXXX XXXX since the law office is representing them in the collections process they should have received that letter from XXXX XXXX and even if they didn't receive it from XXXX XXXX, I faxed a validation letter directly to the law office. Because of this they are in violation of the FCRA. 

Instead of receiving any validation of the debt, I received another collection letter on XX/XX/2022. That letter was dated XX/XX/2022. 

I should not be receiving any collection letter until the debt is validated. They are a law office, they should know this! It seems the letters are generated automatically as XXXX was going to remove my address so I would not receive any additional letters. 

Also on the letter it states " You have failed to respond to our correspondence and we are assuming this amount is valid ''. This even states on the first letter which would be impossible since it was the first letter to me from the law office. And definitely not true on the second since I called them shortly after I received it and then sent a validation letter. This seems like a unethical, if not illegal, tactic to get the debt paid without me questioning it. I believe another violation of the FCRA. 

No where on the collection letters does it state " This is an attempt to collect ... '' I believe another violation of the FCRA.
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-01
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. (NV)

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 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TN)

I initially contacted the CFPB on XX/XX/XXXX regarding an ongoing dispute with Discover. I have provided substantiative documentation from the company stating that I would be refunded for the charge and the third party company is refusing to refund the charge. 

My initial complaint to CFBP re : XXXX stated : " I placed a reservation for the XXXX in XXXX XXXX XXXX AL. The room I reserved was a studio with an attached room with 2 bunk beds and the main room had a king size bed. The room was advertised as having premium ammenities including premium bedding, and black out curtains. The curtains in the room were broken and the bedding was shredded/torn. The toilet was broken and the shower was not working upon arriving. I called several times to the front desk and was not offered a replacement room. Maintenance was sent up to the room to repair the toilet and curtains but nothing else. We discovered the air was not working in the second room in the middle of the night and ended up leaving because it was so hot in the room. We explained to guest checkout what had happened and why we were leaving. I was advised by a portly XXXX  haired woman working XX/XX/XXXX around XXXX that we would be receiving a refund in full and that she was refunding the other charges made while staying there. The other charges were refunded however the charge for the hotel was not refunded. When I contacted XXXX to explain what was going on they said they would not contact the hotel. I attempted to escalate with XXXX to no avail. I then proceeded to dispute the charge with my bank Discover. They provided proof that the charge was valid in the form of an online screenshot showing the booking. However the charge has not been refunded. The service I paid for was not rendered. The room was not in a habitable condition. '' The case was closed by CFPB as the company responded they were still investigating the case. The case was closed XX/XX/XXXX and was again charged back to my account I submitted documentation I received from the hotel stating they authorized a full refund to the third party vendor XXXX for the charges at XXXX XXXX. I have not received a refund, I have been recharged by XXXX again. I have had no additional correspondence with Discover only a surprise charge against my account. Discover is engaging in unethical billing practices and not investigating the claim or even corresponding with me. I am continuing to ask for this unathorized charge to be removed. I did not authorize this charge. I am uploading a copy of the letter from the XXXX that states the charge should have been refunded. I do not know what more I can provide to prove this was not authorized. At this point this is a fraudulent charge by XXXX.
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC (FL)

dear agency I was robbed I already made a report here to let you know that the thief used my documents to commit crime and fraud in these last months I'm suffering a lot with so many calls I'm getting from companies and unknown numbers about these collections are asking me to pay money I am also under threats for this reason I moved house I went to live in another city I am very scared they are cursing me and they are threatening please delete these fraudulent collections on my credit God bless you
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank has been " performing scheduled maintenance '' for over a week without allowing me access to my account. When I call they say the office is closed and hang up. When I try to contact them via " secure message '' on their website it redirects me to log in to send the message and guess what? Since they are having maintenance, it won't let me log in to even message them. I do not feel comfortable having an open credit line with a company that conducts itself in this way. I do not feel that my information is safe and have zero idea what is going on with my own account since I have no access. I have requested my account be closed via their XXXX page as this is the only way to get a message to them.
Consumer complaint received 2022-03-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Javitch, Block & Rathbone LLC (TX)

Ive attempted to reason with the defendant regarding this debt, defendant repeatedly attend to collect my debt under fall and misleading information and representation. defendant failed to provide proof of the original creditor in the affidavit attached.
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX Current Address : : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX It has come to my attention that as of XX/XX/XXXX, XXXX maintains a record on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX. I decided to investigate this issue. 
On Thursday, XX/XX/XXXX, I attempted to reach XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX by Telephone at ( XXXX ) XXXX. I called twice. During the first call to XXXX Maryland at ( XXXX ) XXXX, Agent XXXX XXXX with XXXX Maryland told me she was not able to discuss the account at all. During my second call to XXXX Maryland at ( XXXX ) XXXX, XXXX XXXX XXXX Maryland refused to discuss the account repeatedly. 
Due to their refusal to discuss this account, I am requesting this information be removed from my credit report immediately. 
Thank you, XXXX
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX  XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury
Consumer complaint received 2022-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-06-28
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. (VA)

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account # 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.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capstone Credit & Collection, LLC. (FL)

I have an XXXX XXXX on my credit from Capstone and I have provided my marriage certificate and my drivers license to show that my name wasn't XXXX in XXXX. I have been married since XXXX so my old license was destroyed when I changed my name but the collection agency said they are not removing it because it was me The representative that I spoke to was rude and nasty and didnt want to hear anything I had to say when I called to find out how could I have gotten a apt in my maiden name 5 years later when I havent used my maiden name since XXXX. I am sending over this complaint to see if I can get some resolution to my problem. Thanks.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

I call XXXX XXXX directly to cancel my auto policy because I was starting a new auto insurance policy with another company. I seem to have still been billed 2 months after making a call to cancel in XX/XX/2019. So I was charged a total of {$700.00} which includes the remaining amount of the premium. Now in collections with CCS Collections. I reached out directly to XXXX XXXX when I received the email notification and they responded that my account was never canceled but could see where I called but could not pull the call for proof.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, Ive just discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

On or about XX/XX/XXXX, I received a notice dated XX/XX/XXXX about an account ( # ending in that I never requested nor applied for from TD Bank. The notice stated there was a beginning balance of {$0.00} and a {$5.00} payment transferred on XX/XX/XXXX to " XXXX and an account # -- ending in XXXX. The body of the letter stated that an overdraft fee of {$0.00} was assessed. The day prior to this, I had received credit cards ( 2 ) from this company which I already destroyed not knowing what was to come. The next day, I received a batch of checks. I tried calling this company the first day and got nowhere. They said they were transferring me to a fraud department but the calls went dead after a few minutes of being on hold. After that, I called numbers that I found online rather than from the papers they sent me. The bank itself appears to be legitimate but they have done nothing to help me. They have made no move stop this and " close '' the account. They have not verified the account. At one point, I called XXXX XXXX, the company who prints the checks that I know to be a legitmate company. I was promised that they would call this bank and inform them that I had declined the checks. This resulted in somone answering my next phone call but the bank representative merely stated that I should destroy everything and the account would be closed. 

On XX/XX/XXXX, TD Bank sent me another notice for a DIFFERENT account ( # ending in XXXX -- for which see above ). This one states that the account is overdrawn and that I owe {$35.00}. On XX/XX/XXXX, TD Bank sent yet another notice for this second account that I must deposit {$65.00} in order to clear the overdraft and avoid any additional fees. During my most recent call to them ( today ), I was told only to call XXXX and XXXX. Again TD Bank is not taking ownership of nor helping to resolve an issue that is theirs, but is happy to refer me to the companies who may be receiving bad reports from them about me. This is beyond lunacy. 

Several things to note : 1 ) I have never heard of TD Bank before this. 
2 ) TD Bank will NOT have a signature card on file for me as I never applied for any account through them EVER. 
3 ) The checks list a phone number that I have not had for over 10 years. 
4 ) One of my acquaintances has begun to receive the same type of documents from TD Bank! 

I am NOT uploading files at this time but would be happy to do so if they are needed by an agent of the Consumer Finance Protection Bureau.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Faith does not make things easy but possible. I was so very badly destructed and out of shape by what I believe is above limit discrimination with no solution. But, recently, I started to improve and attempted to get my very badly fractured life, liberty and pursuit of happiness get done together up to my capacity. I visited the FTC website and found important information about the data breach settlement with EQIFAX. I received the data breach victim notice by the time., but there was nothing new or business was as usual. The most recent complaint that I submitted to the CFPB just weeks ago got resolved in less than two weeks [ I barely get the desired response but this one was amazing may be because it is day light stuff without any string to be attached ]. What is my right? I read that they are paying up to {$20000.00} to some individual victims or consumers. I can not understand in depth., but I confirm that I am one of the consumers who received that notice.
Consumer complaint received 2021-12-14
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. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2023-12-18
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. (CA)

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. 

I told Equifax to reinvestigate these inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-03-01
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: Experian Information Solutions Inc. (IN)

Alerts keep popping up on my XXXX XXXX and experian credit reports unauthorized. Ive kindly asked all three to remove these unauthorized 9 inquiries but to know available..
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XXXX Chase bank cashed XXXX checks deposited into account on XX/XX/2021, closed account on XX/XX/2021 and did not return funds from cashed checks to customer after Chase closed account without explanation.
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. (TX)

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 U.S.C. 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 an account without my written consent. 

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 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Victorias Secret store card Multiple attempts to call in to submit a payment Trying to activate card/ create account to pay online It says info is not found and I have no plausible way of submitting a payment. 
Their system has been down for scheduled maintenances but we never received a notification. 
They are not taking payment by phone either.