davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C & M Associates Group, Inc. (FL)

On XXXX I received a phone call from phone number XXXX. I did not answer but the caller left a voicemail. In the voicemail, a person stated their name is XXXX XXXX? on behalf of C & M Associates Group. The caller stated that there is a time sensitive matter that needs my urgent attention and advised me to call XXXX. I researched this number and it does return to C & M Associates Group out of Illinois. C & M Associates Group is a real debt collection agency. On XX/XX/XXXX, I contacted C & M Associates Group and spoke with someone that sounded exactly like the caller that left the voicemail. He advised that he is attempting to collect a debt and advised that the debt occurred in XXXX and that the original creditor is XXXX XXXX XXXX. I researched XXXX XXXX Money and found out that they used to be a payday loan service that was shut down by the FTC in XXXX. I knew in fact that I have never had business with this company and have never taken out a payday loan. I relayed this to the caller and he began to state that he has all of my information. He told me he knows my address, my social, my previous employer, and my bank account information and correctly told me this information. He then said that the debt is real and I am liable for it. I again told him I am confident that I did not ever have contact with XXXX XXXX in any way and asked for proof. He stated that they would put the debt in dispute and that they would provide proof that the debt was real and that I can compare signatures to show it's mine. I was able to locate a number for XXXX 's corporate office and on XX/XX/XXXX contacted them. A recording played saying " If you receive a call or letter stating you owe money on a debt do not pay and contact local law enforcement ''. I spoke with a customer service agent and she advised that she can look up my information to determine if I was ever a customer. I provided her this and she advised that there is no record that I had ever had business with them in any way and never owed a debt. The customer service agent also advised me to contact the FTC. I contacted C & M Associates group and spoke with XXXX. I told him what XXXX told me and that I will contact the FTC. XXXX quickly stated that I shouldn't worry about it and that they've already closed the debt and that I don't owe anything. This seems odd that a debt collection company is trying to intimidate me by telling me my personal information and demanding payment but then quickly decides to just close the account. I feel that they are operating in a fraudulent matter with ghost debts seeing who they can go after that will pay money on a debt they don't actually owe.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe Portfolio Recovery, this company has illegally purchased this account. I never signed a purchase agreement, nor have I done business with this company. 

I sent two debt of validation letters to the company, certified mail and return sender. The debt collector has not provided me with the proper debt validation for this alleged debt. 

XX/XX/XXXX ( XXXX # XXXX ) ( See Attachments Includung company 's response ) XX/XX/XXXX ( XXXX # XXXX ) ( See Attachments ) IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy. 

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you. 

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. 15 U.S.C 1681 ( e ) ( b )
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit repor

t in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and
contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Name
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a workers compensation check into my checking account after that the check was flagged for fraudulent activity and my accounts were frozen. The bank told me they needed to speak to someone from the insurance company in order to lift the freeze from my account they haven't tried to resolve the issue or contact anyone from the insurance company
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I was charged {$59.00} in my checking account from CCB Bread XXXX  Payment XXXX  ACH on XXXX. I contacted Bread Financial at XXXX on XXXX at XXXX XXXX  central time and spoke with XXXX ID # XXXX. She said to send a screenshot of the charge so the financial team could review it. I requested to speak with someone in the financial department since they were the decision makers that could review this but was told I was not allowed to speak with those team members. I have followed up to an email XXXX sent with a screenshot of the bank draft per her instructions.
Consumer complaint received 2021-12-28
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 MORTGAGE SERVICES Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : - Remove the unauthorized inquiry - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this inquiry, and I request that it be removed immediately. 

Please send me written confirmation that I am responsible for this inquiry, and take appropriate steps to remove information about this account from my credit files. 

Fair Credit Reporting Act,15U.S.C.1681s-2 ( a ) ( 1 ) ( B ). 

Enclosures : - FTC Identity Theft Report - Notice to Furnishers of Information Thank you, XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 : {$1300.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-11-01
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. (TN)

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 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 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 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 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 XXXXXXXX has XXXX my rights! 15 U.S.C 1681 section 602A. States I have to right to privacy. 15 U.S.C 1681 Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions! 15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any 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 2024-01-24
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (PA)

I set up auto pay on my XXXX  and XXXX card through TD retail as I do with all my credit cards. I noticed an issue when I got an alert that my credit score had dropped for a 30 day late payment. I contacted td retail and they told me that their was a typo in the banking information I put in so it didnt process. I spoke to a cs rep and updated the information with the correct banking information and paid the past due balance that same day. A month or so later I got another alert that I had another 30 day late payment on my credit report. I looked online to confirm online payments were set up and activated and saw that they were. On XX/XX/XXXX at XXXX pm I called td retail at XXXX and was transferred to XXXX different people before eventually being hung up on. But during that conversation I was told by a representative that their system can only process one transaction per day so because I paid the past due balance and updated the account number in the same day the system accepted the payment but rejected the changed account information and reverted back to the incorrect information. At no point was it disclosed to me that the system could only accept one change per day when I made the change and again I had no idea there was any issue until I got the credit alert. This is an unfair and deceptive practice which has dropped my credit score over XXXX points. I have no history of missed payments with any of my other cards and all payment are current. These derogatory marks on my credit report should be removed and this unfair and deceptive practice should be rectified or at the very least disclosed.
Consumer complaint received 2021-04-03
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-09-07
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/year> I called my credit card company Barclay XXXX XXXX Mastercard to place a hold on an authorized user XXXX XXXX and on XX/XX/year> the credit card company authorized XXXX XXXX to make a charge on my account in the amount of {$3400.00}. When I called the credit card company on XX/XX/year> they acknowledge that there is a record of a phone conversation between myself and a representative on XX/XX/year> but claim that there are no records and no request of a credit card hold. I have requested a dispute of the charge with no results and I have requested to speak with a manger and have yet to receive a phone call. 

I am a consumer who needs assistance. I feel that the credit card company is committing a fraudulent action against me. If this is not the appropriate agency, please guide me to the federal agency that can help me or if you can forward me claim to them, I would greatly appreciate any help that you can provide me.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-03
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. (NJ)

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

XXXX  Equifax XXXX  Account Name : City Select Auto Sales MISSING MISSING Account XXXX MISSING MISSING Balance : - MISSING MISSING Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number:XXXX  XXXX XXXX Balance : {$6400.00} {$6800.00} {$6800.00} Account Name : MISSING MISSING XXXX XXXX Account Number : MISSING MISSING XXXX Balance : MISSING MISSING {$5200.00} Additionally, I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Furthermore, if all of my information is the same information, from the same place, why are there reports in some bureaus and not in others also, why is the information given not the same? Please send me proof my signature and information
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

my problem happened XX/XX/21. XXXX Coinbase Case # XXXX ) I made 4 conversion trades that all went through smoothly. Later that day I looked at my bank account and see 4 separate {$100.00} charges from coinbase that correspond to the 4 conversion trades I made. Mind you, conversion trades between coins charge no fees. So I contacted Coinbase support, explain the situation and get an automated response that a ticket will be opened and they will look into it and get back to me. Later that evening as I'm trading away my account is locked!? I check my email and sure enough I got a reply from Coinbase support! They tell me they are " locking my account while they investigate, but my funds are safe! '' So they have my {$6000.00} dollars in a volatile market which I do mostly swing trades and lock it. How does that make my funds safe exactly? My account is secure and has not been hacked. Coinbase simply charged me {$100.00} for each of my small swing trades! Today ( XX/XX/21 ) I get an email saying " my case is closed '' NO other information, no resolution and my account is still locked and have no idea where any of my money is now! They now don't respond to emails and if I try and open a new ticket they just merge it with the now " case closed '' ticket. I have never in my life had such poor experience with any company. especially one that is supposed to be # 1 and going public on the XXXX!
Consumer complaint received 2019-03-01
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)

There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX  Credit Card.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SLM CORPORATION (NC)

We have a Mastercard through SallieMae and have paid much more than the minimum payment well before the due date. Our credit limit on this card is {$3500.00}. We last used the card on Monday, XX/XX/2021 for {$38.00}. Shortly after we tried to use the card for a {$9.00} purchase and the card was declined. I immediately logged on and saw there should have been over {$600.00} available. I tried calling the company and received messages that they were closed until XX/XX/2021. 

Our account not only showed an available balance of over {$600.00}, but it also showed two recent payments : {$400.00} posted on XX/XX/2021, and {$200.00} posted on XX/XX/2021. Both of these payments cleared our bank immediately. 

When I finally was able to reach a human at SallieMae, he clearly saw the payments and said although they showed " posted '' they would not actually be applied to our account for 7 days!!! Is this so they can capture the float on those funds??? Each day I have been checking the account for any activity by SallieMae and finally this morning, XX/XX/2021, the {$400.00} payment was processed. The {$200.00} payment has not been processed at the writing of this complaint. I never received an explanation why the card was frozen when it clearly showed available funds on the account. 

We find this process absolutely unacceptable for the consumer. It would be understandable if this was an old-fashioned process of checks being written and mailed and SallieMae needed to hold the posting to the account until the checks cleared, but this is all electronic bank-to-bank transactions!!!

I would like a full explanation why this bank requires 7 full days to process a bank-to-bank transaction yet posts the payments to the account while still holding the payment.