davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been sending disputes and calling in about these accounts for the past XXXX years, dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now today. 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 Transunion to reinvestigate these accounts : Account name : XXXX XXXX  {$470.00}, Account name : XXXX  XXXX Bankruptcy, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX  shows opened XX/XX/XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX High balance shows {$150.00}, Account name : XXXX payment status should be account in good standing, paid/never late, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX XXXX shows {$300.00} XXXX Account name : XXXX Bank {$5900.00} XXXX XXXX date XX/XX/XXXX, Account name : XXXX XXXX # XXXX  Balance showing {$1000.00}. 
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 suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ma, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Jefferson Capital System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Jefferson Capital System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Jefferson Capital System ceases such practices immediately.

4. **Failure to Provide Disclosures : ** Jefferson Capital System has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by Jefferson Capital System , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Jefferson Capital System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Jefferson Capital System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Crown Holdings, LLC (MO)

Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear DAY KNIGHT, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that DAY KNIGHT, Account Number : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ).

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for DAY KNIGHT, Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that DAY KNIGHT, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that DAY KNIGHT, Account Number : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,
Consumer complaint received 2024-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of 15 USC 1692g - Account with L J Ross Associates, Inc Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against L J Ross Associates , Inc, regarding the inaccurate reporting of a paid-in-full collection on my credit report. I believe this action may be in violation of the Fair Debt Collection Practices Act, specifically Section 15 USC 1692g. The details of the account in question are as follows : Account Information : Account Name : L J ROSS ASSOCIATES, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Despite the account being marked as " Paid, Closed '' since XX/XX/XXXX, it has not been removed from my credit report. This inaccurate reporting is adversely affecting my credit score and financial standing.

I would like to draw your attention to the Fair Debt Collection Practices Act, specifically Section 1692g, which states : 15 USC 1692g - Validation of Debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 

I am requesting a thorough investigation into this matter and the immediate removal of the inaccurate information from my credit report in accordance with the Fair Debt Collection Practices Act. I believe such action is necessary to ensure the fair and accurate representation of my credit history. 

I have attached supporting documentation, including proof of payment and closure of the account. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (VA)

I've engaged in a 12 month " Repayment Program '' with Discover, that allows me to payoff outstanding debt with a reduced APR. Unbeknownst to me, Discover reported a " Derogatory '' status to all credit bureaus throughout the term of this " Repayment Plan. '' There are XXXX derogatory statuses on my XXXX credit report, from Discover, today. 

As of today, I've successfully paid down my {$17000.00} credit card limit to {$5400.00} ( 30 %. ) Despite this, I'm unable to receive new business loans because of the historical " derogatory '' reports they've made to all credit bureaus, which still remain, AFTER my repayment. Discover has also notified that my account will continue to remain " derogatory '' if I'm in poor status with another financial institution. 

My ask is ; that all derogatory marks reported by Discover Financial Services, be removed from my credit reports, because I've satisfied the debt owed to them ( within the 30 % mark. ) The current situation ( their continued derogatory reporting despite my repayment ) feels predatory ; It stops me from pursuing new business endeavors that will help alleviate my economic circumstance. I've been rejected by a few banks so far. 

REPAYMENT PLAN DATES = XX/XX/XXXX - XX/XX/XXXX 2023
Consumer complaint received 2023-08-15
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. (FL)

I would like to bring to your attention that the reported charge-off status and the manner in which it has been presented on my consumer report are inconsistent with the guidelines outlined in 15 USC 1681eb . According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb .
Consumer complaint received 2024-02-16
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)

XX/XX/year> ordered items from XXXX using XXXX card. Items not delivered PROVABLE by deliverer 's photo. Item not ordered but substituted by XXXX was delivered. It was defective. After many complaints these 2 partes KNOWINGLY refuse to adjust the account and INSIST that I pay for BROKEN UNORDERED UNDELIVERED XXXX That is called FRAUD where I come from. Even worse the CFPB holds these totally INCOMPETENT vendors to no standard of accountability. Experian as well has been NO HELP whatsoever in correcting this MALICIOUS nonsense. They have not only failed to correct the situation but have LOWERED my credit rating causing me economic harm. The INVESTIGATIONS are utter bulltish and fly opposite of FACTS, TRUTH, LOGIC and REASON. I am expected to pay for items with NO economic utility or even possession. NOT GON NA HAPPEN. 

Photo proving my case can be sent to any involved party upon request. No one has provided a safe email address for me to send it to.
Consumer complaint received 2023-08-15
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: Bread Financial Holdings, Inc. (CA)

I have a charge card with Victorias Secret through Comenity Bank. Their online portal was very antiquated and often crashed prior to XXXX XXXX  when they made major changes to the site and the VS app. XX/XX/2023 I made a payment via my checking and routing directly from my bank account. The payment didnt go through due to on error on the Comenity site. I called in and paid the debt the same month. I am now being told that the debt was reported as returned and I take issue with that because it was due to the Comenity Bank site not accepting my bank information ; today it still says theres an issue with my account/routing number on the website and Ive paid with the same card/bank account since I was approved for this account. I am now unable to use the card until I pay the debt off completely, which is unfair because the debt was paid and as a CA consumer I was never notified my card was being closed.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting and XXXX Acct # XXXXXXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX, XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX Case # XXXX, 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 2023-08-15
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. (GA)

upon checking my credit report I noticed that XXXX XXXX XXXX is reporting a debt collection for the amount of {$400.00} for apartment called XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this account I have never applied for such apartments either did I even reside at XXXX XXXX XXXX, I believe my information has been used to apply for the apartments. I have reside at the same residence for over 10 years.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MS)

I had a XXXX cent balance. My OD coverage was off. Regions approved a transaction from XXXX on XX/XX/24 for XXXX which put my account in the negative XXXX and I was charged OD fee on XX/XX/24. I brought the account current and into positive balance on XX/XX/24. The transaction was ultimately refunded by XXXX and that transaction went through XX/XX/24. Regions said that they were allowed to approve it because it was a recurring transaction. That in fact is not recurring. I have reached out several times. I was told to visit a branch to resolve, and when I did the representative that submitted the request literally laughed in my face when I mentioned the settlement by Regions for XXXX XXXX they are to payback for the OD fees they shouldnt have charged. Regions states im not eligible to have fee reimbursed. And to be completely transparent, since they refused to reimburse the fee that should have ever went through I reimbursed myself ) They charged {$36.00}. I turned the OD coverage on. And they approved 5 transactions totaling {$450.00}. Which I have no intentions of paying. regions wants to charge feloniously fess then refuse reimbursement. I can do that too. However im going to be held responsible for that negative balance including all the fees they are going to assess on those transactions. And im good XXXX that. Its okay for them to extort money charging felonious fees. They left me no choice. I recouped what was mine and quadrupled the treble damge ( XXXX ).
Consumer complaint received 2023-08-15
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: CITIBANK, N.A. (FL)

Ref # case XXXX on XXXX, XXXX several items was bought on line from XXXX XXXX XXXX some was kept some were returned. XXXX item a suit {$430.00} was returned but no refunded received. My son called the store manager to report that they said it was refunded but not the correct amount check you XXXX statement for the refund in a few days. A week later we got {$35.00} but not full amount. I called XXXX XXXX XXXX several time they said I need to speak with the store XXXX I did but he was not welling to assist because he couldn't access on line orders and he referred me back to XXXX XXXX XXXX. 
I called my Bank Citibank and I open a dispute for the amount of {$400.00} by phone on XXXX # case XXXX XX/XX/2023. A few weeks I received a letter telling me the dispute was closed because there was not a detail explanations for return. This is was a surprise request since when we have to gave a reason to return an item. I responded in writing to reopen the despite. 
Then they requested evidence of return which I never got XXXX for this item. I called Citibank and a spoke with XXXX manage with the name XXXX and asked him why you need evidence of return is the store denying they received the suit back he said yes. I requested to get copy of the merchant letter more than XXXX time but I got nothing. How can they denied they got the item back and at same time they refunded only {$35.00}. 
He said the Citibank will not contact the merchant at less we have evidence of return. Here after tow months going back and forward, my bank done nothing to help me with my dispute. 
Please let me what else I should do to get this resolved.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I contacted the chase customer claims department to report or request a dispute be filed for several transactions. Two of the transactions were from XXXX and I was having an issue resolving it directly with them. I wanted to file a dispute due to services, not rendered, apart from that there were also other charges where, although they were not authorized by me the actual company/merchant confirmed a refund would be processed. ( I believe this is due to a police report being filed. ) I did receive a partial refund from one of these charges. 

The problem occurred on the call on XX/XX/XXXX instead of reporting it as a dispute with all the details that I provided over the course of a call that was more than an hour long- the agent reported all of these transactions, as if I was reporting them as fraud. They opened a fraud claim, and within a day sent me a secure message advising me that it was denied or declined, due to the fact that it was not Fraud. 

I contacted them back the following day on the XXXX when I saw the secure message, after on hold for quite some time the agent advised me that there is not a way to reopen any claim, or re-file a claim the way it should have been originally filed as a dispute and not a fraud claim. 

She then requested that I fax all evidence I was requesting be reviewed and that it would be reviewed by the back office. 

I faxed over all information and called back on the XXXX. I spoke to someone called XXXX who kept insisting that at this point, I needed to resolve with the merchant. I asked her several times if basically, the issue was not going to get resolved or further investigated due to their/her coworker filing my dispute, and properly as a fraud claim. She refused to answer that and kept directing me to contact the merchant. 

I am having all sorts of problems with the merchant. Im not sure if theyre even a legitimate merchant as they have used a different names to charge the same account. With XXXX -It appears that they have my issue down as two different ticket numbers and its causing a confusion. 

Unfortunately, I have not been able to resolve anything and Im still going back-and-forth with both XXXX and a company called XXXX.