davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (KS)

I have been contacted by several debt collection companies over the years. Regarding a credit card that they said was taken out in XXXX, and then another one from the same company in XXXX. I have repeatedly stated that I never took out such a credit card and I'm not aware of any credit card nor have I made any purchases from these credit cards. I have repeatedly asked to have information sent to me so that I can investigate. And they refuse to provide me account numbers, transaction detail. Or any identifiable information so that I can investigate and see what's going on. They just demand that I pay the debt and threatened to take me to court and charge me anywhere between XXXX XXXX and XXXX XXXX XXXX  in legal fees. At this point I don't know if fraud was done in my social or if this is a fake debt that they're trying to collect on. These credit cards have never been reported to my social security number. I have even asked for the account information. Because I filed for bankruptcy in XXXX, and I asked for information to add it to my bankruptcy, and they refused to provide the information. Again, it's very possible. Somebody committed fraud with my social because i've never had these credit cards, but no, none of these collection agencies will give me the information that I askfor and this current debt collector is relentless and calls me constantly and verbally abuses, my wife.
Consumer complaint received 2022-12-18
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: SANTANDER HOLDINGS USA, INC. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
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 a 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 purpose.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As of Saturday morning, My Transunion report includes XXXX XXXX XXXX. And show three late payments. This has never been on report until Saturday. I need this verified and documentation on this account asap! The report reads XXXX XXXX. But same XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (NY)

I am unable to open a bank account due to my negative banking history. In the past, I had issues such as unpaid overdrafts and frequent account closures, which have been reported to systems like XXXX. As a result, banks now consider me a high-risk applicant and are reluctant to approve my application for a new account. Until I resolve these past issues and improve my financial standing, I will likely continue to face difficulties opening a bank account.
Consumer complaint received 2022-12-18
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: SYNCHRONY FINANCIAL (FL)

Called the business on XX/XX/2022 to dispute a charge of {$33.00} dated XX/XX/2022. The overseas agent was very difficult to understand with a heavy accent and a fake phone name of XXXX. Thus, I am providing supporting proof to document this billing dispute. Attached is email confirmation from the business advising " Your XXXX XXXX  is cancelled ''. Additionally, attached is a XXXX XXXX XXXX complaint filed on XX/XX/2022 filed against the business informing the business to " cancel service ''. If you look at XX/XX/2022, the business issued a credit of {$320.00} for four rodent bait boxes in which they picked up from my home. However ; the business was negligent in charging me a monthly recurring charge of {$33.00} on XX/XX/2022 that should not have occurred.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I was impacted by XXXX, XXXX, and hurricane dorian. I was also in a car crash. I was told I could skip a few months of payments by the redemption department. XX/XX/2019 needs updated as it wasnt missed. I was also military active duty. I gave them a plethora of information. The phone team read the disclaimers and advised the XX/XX/2019 payment would be skipped as it was not due, but because of their redemptions teams error it is showing I missed a payment still. Please update this on all credit agencies. XXXX, XXXX, and experian. Please also provide me a letter in writing to both email and conventional mail once corrected I can have for my records. I can not speak on the phone due to a XXXX currently. Please fix this error asap. I should have no missed payments showing from your company.
Consumer complaint received 2022-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I declare under penalty of perjury ( under the laws of the United States if executed Outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by Federal and State law to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal criminal violation punishable under 18 U.S. Code 1001 Additionally. These misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (TX)

In response to my previous dispute/complaint, XXXX claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via XXXX XXXX and ca produce a XXXX. They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have XXXX XXXX XXXX accounts and have only ever had 3, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were XXXX bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.
Consumer complaint received 2022-12-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (FL)

On XXXX Bridgecrest sent me an email acknowledging Thank you for the one-time recent payment made on XXXX  : Thanks for your recent payment! 

XXXX, Thank you for your one-time payment made on XXXX 

Payment amount withdrawn : $ XXXX Account number : XXXX After being unsatisfied with how Bridgecrest resolved my request to have my one payment I missed during the Hurricane removed, I switched loan creditors. My new creditor, issued Bridgecrest a check for {$12000.00}, which they clearly received and cashed. However, Bridgecrest is still reporting to the credit bureaus that I have an open balance with them, even though my new loan company has paid them. Bridgecrest also certified by law, that the information they reported to XXXX is accurate as of XXXX The XXXX investigation started on XXXX  so Bridgecrest knowingly and intentionally, provided false information to a credit bureau even after they were paid and know I dont have any remaining balance with them. They have done this with other credit agencies and there seems to be a pattern here. I want my credit accounts updated accurately to reflex my accounts with them are paid. They need to be held accountable for these illegal and fraudulent practices. Thanks
Consumer complaint received 2022-12-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In response to my previous dispute/complaint, PRA claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via certified mil and ca produce a CMRRR. They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have 3 XXXX XXXX accounts and have only ever had 3, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were 2 bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to XXXXXXXX XXXX. XXXX sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXXXXXX XXXX  and entered the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX back on XX/XX/XXXX. I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. XXXX is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Klima, Peters & Daly, P.A. (VA)

I called in today in regards to garnished wages. They had not attempted to contact me at all since XXXX of this year. 

I called at XXXX on XX/XX/XXXX in an attempt to figure out what was going on and why this happened without any notification prior. The man on the phone was talking down to me and so I made a comment on how I get parts of his job may be XXXX but I get it and Im just trying to get information. When he got aggressive, I asked to speak to a manager and he said yeah okay, go do ya and when I asked him what he said, he said oh I said Ill get a manger. 

When I spoke to the manager and told him his employee basically told me to XXXX myself, he said no he didnt and immediately got defensive and aggressive with me. He chose to talk down to me again stating that he told me do ya. When I confronted the meaning he continued being rude until we changed subjects. 

This company is incredibly unprofessional. They have threatened me with legal action, they have threaten to garnish my wages, they lied to me about what would happen if I did not show up at judgement. 

This is a bad and negligible company who did not even attempt communication with me until they wanted to garnish my wages. I didnt even know who they were until judgement.
Consumer complaint received 2022-12-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (IL)

In the Summer I requested a rescind of recession on my car loan. CarMax declined, but I also sent more letters and never gotten a response back. In my package that I sent with my letter of recession was Affidavit of truth, and a Cease and Deceit letter. They are not honoring my letter and keep reporting to XXXX, XXXX, and XXXX. I am not asking for the retail installment Contract, but I am asking for the Agreement that set for the security interest in place, that I agreed too. I am also asking back my security deposit. According to U.S.C. 15 section 1605 my finance charge was included in the insurance and was in the total of all transaction. CarMax also violated 5 U.S. Code 552a my personal information was given without my permission. I am requesting my Agreement of security interest, not retail installment, my down payment, and Cease and Deceit of reporting to any third party bureau 's.
Consumer complaint received 2022-11-23
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: Self Financial Inc. (NY)

In accordance with the fair credit Reporting act This account has violated my rights. 

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

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 any purpose.
Consumer complaint received 2022-11-23
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. (MI)

XXXX XXXX XXXX XXXX To whom may concern I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( NAME OF MEDICAL HERE ) to release my medical information to a third party I am aware that the HIPAA 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 and as follows. 
Validation of Debt and HIPPA 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 informatio to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA 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. 
6 Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it is in violation of the Fair Credit Reporting Act. I will await your reply with the above requested pronf You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal credit bureaus expected or damages will be sought after. 
XXXX All accounts I. Dispute below XXXX XXXX XXXX XXXX Also another violation they are not reporting full account numbers
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (FL)

This information isn't authorized and I didn't take out or use any student loans. I have tried contacting the creditor and the school but they keep giving me the run around about closing the account or investigating the account as it wasn't used by me. 

There are XXXX accounts open totaling {$10000.00} being reported on my credit report. It shows open and never late but I never made any payments on an account I have no knowledge of. I would like this closed and removed immediately. I have also contacted XXXX, XXXX and XXXX and they fail to investigate to validate the loans to have them removed and deleted! 

Attached is FTC report that lists the loans as a creditor or apartment but not sure why it doesn't list as loan. 

FCRA law. 
Account # XXXX
Consumer complaint received 2022-12-18
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: SANTANDER HOLDINGS USA, INC. (GA)

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. 

Account name : XXXX XXXX XX/XX/XXXX, Account name : XXXX XX/XX/XXXX, Account name : XXXX of XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXXXX/XX/XXXX, Account name : XXXX 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 XXXX XXXX XXXXXX/XX/XXXX, 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 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 2022-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

Hi I am Im making this complaint against I.C. SYSTEM, INC for identity theft. I have never given I.C. SYSTEM, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!