davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: AMERICAN EXPRESS COMPANY (LA)

I have been a long standing customer with American Express. I went through a job loss in the XXXX. As a self supporter, I immediately contacted them to try and find a resolution to maintain my account through that difficult time. My account had always been in good standing until this event happened. They worked out a plan that was misleading, misguiding, and unfair penalties, substantial rate increases, and broken promises. They agreed to work with me in a way that would enable me to maintain my account while going through the tough time. After speaking with them initially ( in XXXX ) i tried to contact them and discuss my updated situation. My call kept being re-routed to another country. I tried contacting amex for months via phone and in writing to let them know of my concerns. I received no response, nor was I ever able to speak with a person in the US. I am disgusted at the way I was treated and the lack of communication! My last written letter to them was in XXXX of 2016. I received a call from a guy named " XXXX '' with Amex in XXXX whom said he was trying to settle my balance and that my card account had been closed! I explained to him the situation and he was promising to try and work out something over roughly a 6 month period to pay off my balance and reinstate my account due to my back ground of good standing with them. I made a huge payment XXXX XXXX, 2016 for stound XXXX. That caused me to nearly be homeless this month as i 'm playing catch up from having three months of a layoff. XXXX said we would speak in XXXX to arrange the next payment. I spoke with him today and he was threatening, nasty, rude, aggressive, and completely ignored my situation. I have the conversation recording. I am extremely upset about this. I 'm a self supporter, whom went through a horrible job loss. I have a job now, and am getting back on my feet. Amex promised to work with me through this journey back in the fall, then deceived me completely in their actions and their lack of customer service to resolve this issue. My credit has been destroyed! I did not ask, nor want my account " charged Off ''. I wanted to work with amex to get through this hurdle and continue on in my good standing with them. They have deceived me, lied to me, mistreated me in so many ways. Please help!
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On Monday, XX/XX/XXXX at approximately XXXX XXXX I was in the drive thru of a Bank of America branch located in XXXX XXXX, VA at XXXX XXXX XXXX. I went to make a cash deposit of {$400.00} into my account, using a pre-printed BoA checking deposit slip. I was asked for my ID.I asked the person to provide me with copy of the bank policy that requires customers to give their ID when making a cash deposit. The person could n't find a copy. I asked for a manager, she said she was a manager. I then said that she should be able to find a copy of the written policy. While waiting a male employee came to the window and tried to explain to me that it was a policy and that everyone is asked for their ID when making a cash deposit to prevent fraud. I again asked for a copy of the policy if it applied to everyone. He said he did not have a written copy he could give me and that the policies could change. I asked for his business card, he said he was new but that he could write his name down on an existing business card. 
I called the customer service number on the card - XXXX and spoke with XXXX ( she did n't have an employee ID # ) and made my complaint. She kept explaining that tellers had the discretion to ask for ID. I told her that I was told that there was a written policy and I asked for the written policy. She said that she had to forward my complaint to the " back room ''. I told her that I felt targeted or profiled and discriminated against. She again explained that tellers had the discretion to ask for ID whereupon I told her to stop because she was talk about something subjective ( tellers discretion ) and I was told that her asking for my ID was based on something subjective ( a written policy ) and that everyone was asked for an ID. 
She asked if I had the location of the branch and I gave her the info that was on the card I received which appeared to include a branch number XXXX. She said that someone would contact that branch to see what was going on and perhaps it was a branch thing. 
I want to see the basis for being asked for an ID because I was making a cash deposit.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (VA)

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

This is the 3rd time that XXXX XXXX has reduced my credit limit which has affected my credit score. Each time they reduce my credit limit it is around {$10.00} more than what the balance is that I have on the card at the time. Now before I did n't fuss too much because my balances were high on my other credit cards. But this time I have fixed that problem. Each time XXXX XXXX does this my credit score drops 13-20 points because they make it look like I have maxed my card out. Before this recent drop. My credit limit was {$350.00} and my balance is {$170.00}. Now my credit limit is {$180.00} and my balance is {$170.00} which makes it look like I have maxed my card out. I feel this is unfair and a company whom discriminates against its customers. I have worked hard to repair my credit and decrease my credit balances and XXXX XXXX  creates a bigger mess every time. I am trying to purchase a house and with my credit score being decreased for no apparent reason, I am back at a stand still. I have only  been late on this account once due to the payment date being overlooked by accident. Other than that my account has been paid on time.
Consumer complaint received 2024-11-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I looked at my credit report and saw multiple collection accounts being reported by FIRST FEDERAL CREDIT CONTR on my credit. I am unaware of this debt and why it's on my credit report. I, therefore, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from XXXX XXXX XXXX XXXX, but I am unaware of the amount due since there is no breakdown of any fees. 

Additionally, I am allowed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for the release of my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold validation of debt and XXXX authorization. 

Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated. 

Please note that withholding the information you received from any medical provider to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof.
Consumer complaint received 2024-11-25
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Strategic Alliances, Inc. (VA)

On Tuesday, XXXX XX/XX/year> at XXXX XXXX, I received the following text to my phone number XXXX : First Financial Asset Management , Inc . This communication is from a debt collector and is an attempt to collect a debt, any information obtained will be used for that purpose. Please call XXXX or click XXXX XXXX XXXX XXXX XXXX XXXX to self service. Reply STOP to unsubscribe. 

I received the same exact message on Monday, XXXX XX/XX/year> at XXXX XXXX. 

I not aware of any debt that I owe. My understanding is that a request to collect a debt must first be made via mail. I did not receive any correspondence via mail from First Financial Asset Management , Inc .
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXXXXXX. 

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/year>
Consumer complaint received 2018-01-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (NC)

XXXX XXXX XXXX constantly harass me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. XXXX XXXX XXXX  is not currently licensed in North Carolina with the Secretary of State and should therefore be removed from all credit bureau agencies immediately due to the non active status.
Consumer complaint received 2024-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (CT)

I sent a written request to L J Ross Associates under the Fair Debt Collection Practices Act ( FDCPA ), asking them to validate a {$910.00} debt they claim I owe to XXXX. Specifically, I requested proof that they have legal authority to collect the debt, a signed agreement showing my obligation to repay, and a full account history detailing how the balance was calculated. 

L J Ross Associates provided incomplete documentation that failed to meet these requirements. They did not provide evidence of legal authority, a signed agreement, or a clear breakdown of the balance. Despite this, the debt remains on my credit report, negatively impacting my credit score. 

I believe this is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable information on my credit report. I am requesting an investigation and the removal of this account if it can not be properly verified.
Consumer complaint received 2024-10-21
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. (NY)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information - Incorrect Employer : XXXX  XXXX  XXXX - Incorrect Employer : XXXX XXXX XXXX Accounts XXXX XXXX XXXX - XXXX CREDIT COLL - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX - XXXX Inquiries to be Verified or Removed : XXXX. XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX  - XXXX
Consumer complaint received 2024-10-21
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. (LA)

Dear XXXX XXXX XXXXXXXX, Account number XXXXXXXX XXXXXX/XX/XXXX, {$10000.00} XXXX XXXX XXXX Account number XXXXXXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXXXX/XX/XXXX, {$16000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX {$12000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received. 

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report. 

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Subject : Request to Remove Closed Credit Card Accounts from Credit Report Dear Sir/Madam , I am writing to formally dispute certain entries on my credit report that pertain to closed credit card accounts, which continue to inaccurately report balances or account activity, affecting my credit score. The accounts listed below have been closed or charged off, yet they continue to report updates without my consent, in violation of both federal and XXXX  XXXX laws : XXXX XXXX XXXX  Balance : Not listed Last Balance Update : XXXX XXXX XXXXXXXX Balance : {$4400.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Update : XX/XX/year> XXXXXXXX XXXX XXXX 

Balance : {$530.00} Last Balance Update : XX/XX/year> XXXX XXXX Rewards Balance : XXXX XXXX XXXX Balance Update : XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Update : XXXX  These accounts are either closed, charged off, or have no balance due, and they should no longer impact my credit score or report any updates without my express consent. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) : As per 15 U.S.C. 1681c, closed accounts should not continue to report inaccurate balances or account updates. The continued reporting of erroneous balances is a violation of this law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The state law prohibits the dissemination of inaccurate information and deceptive practices. Reporting closed accounts with misleading or incorrect balances qualifies as such practices. 

I request that these accounts be immediately removed from my credit report, as they reflect inaccurate information. I have not provided consent for any continued reporting of these closed accounts, and they should no longer be included in my credit report. I have enclosed a copy of my credit report with the disputed entries clearly highlighted for your reference. 

Please conduct a thorough investigation and correct my report as required by law. I also request written confirmation once the inaccuracies have been addressed and removed. Should this issue remain unresolved, I will have no choice but to take further legal action under both federal and state laws to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of the disputed accounts.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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
Consumer complaint received 2017-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

i had to pay {$750.00} to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX in XX/XX/XXXX.They transfered it to Rash Curtis & AssociatesXXXX XXXX XXXX XXXX, XXXX, CA XXXX i paid Rash & curtis {$750.00} on XX/XX/XXXX.after paying bill also they did n't send me a receipt and did not provide me a bill for it, still they sent this as negavtive item to XXXX credit baurau.

i requested XXXX to remove it from my credit report they said they ca
n't do it though it is paid, Rash & curtis associates and XXXX XXXX XXXX XXXX XXXX said same