davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TX)

XXXXCredit Bureau SystemsXXXX put a derogatory remark on my credit report, which affected my credit score badly. They mentioned that i owe {$60.00} from XXXX XXXX, XXXX Kentucky, since XX/XX/2022. I had already paid this amount on XX/XX/2022 at XXXX. I still have the receipt for this amount as i paid this online, as advised when the Credit Bureau Systems called me on that day. I dont know why they put a remark as not paid. I dispute this charge, and ask them to remove the remark from my credit report.
Consumer complaint received 2022-11-09
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. (CA)

In accordance with the fair credit reporting act XXXX this account 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 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 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 15 U.S.C 1605 Determination of finance charge 15 U.S.C. 1681s-2 ] Responsibilities of furnishers of information to consumer reporting agencies During Late XXXX early XXXX Ive sent off a goodwill letters advised by my lawyer, spoke with management during Covid 19 times is when mostly everything accrued tried to set up arrangements. Ive gotten no compassion no nothing but them violating my rights.
Consumer complaint received 2024-08-05
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)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : **Account Name : XXXX XXXXXXXX XXXXAccount Number : XXXX XXXX
Consumer complaint received 2022-11-09
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: GOLDMAN SACHS BANK USA (IN)

In accordance with the Fair Credit reporting act this creditor has violated my rights under 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 an account without my written instructions. Under 15 USCs 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 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

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.
Consumer complaint received 2024-09-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Received an American Express virtual {$500.00} gift card. Over XXXX weeks since revering the card on XX/XX/XXXX I have made several attempts to for online purchases and all have been declined and I can see the transactions declined on the card history but American Express are not permitting use and payment approval of my transactions. I had called American Express customer service on XX/XX/XXXX and was advised to take action by adding the card onto my google wallet and to try again. The card is still being declined and I am unable to use this and make any purchase.
Consumer complaint received 2022-11-09
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: Collection Bureau of the Hudson Valley, Inc. (NJ)

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory XXXX party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof as permissible purpose of reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as XXXX issued drivers license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (MA)

I have a mastercard from COMMENITY BANK. COMMENITY bank has not updated to the credit bureaus since XXXX 2022. I have made payments in XXXX, XXXX, XXXX and XXXX and nothing is being reported to the credit bureau. I have spoken to the bank and I was informed that the system was updating and my report should be updated in XXXX 2022 2022
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

I've been trying to close my PayPal account for over a month. I canceled all my reoccurring subscriptions as it told me, waited, and tried to cancel my account and it still won't let me. messaged the company multiple times and it said to wait and that they would message me back and they never did. So, finally, I tried again on a computer, and now it is saying I have to call them between XXXXXXXX XXXX and XXXXXXXX XXXX Eastern time M_F. But ( today is Tuesday ), when I call it says they are closed and their hours are XXXXXXXX XXXX to XXXX XXXX Pacific time. I just want to close my account and it seems virtually impossible!
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I fell to a text phishing scam where the scammer pretended to be XXXX and asked me to enter my credit card information. I realized the scam minutes after falling to it using my Chase Sapphire Reserve credit card and proceed to lock the card and request for a replacement. 
The new card arrived, but the fraudster was still somehow able to steal my card and make a fraudulent purchase at XXXX which I did not authorize nor share information about the new credit card number I received. 

I reported this fraud to Chase, and yet Chase now says this was not considered a fraud and refuse to rebate credits, despite the following policy clearly written on their website under Zero Liability Protection : You wont be held responsible for unauthorized charges made with your credit card. 

I 1 ) did not authorize the fraudster to use my card information for making purchases at XXXX, 2 ) did not share any information about the new credit card I received from chase, where the unauthorized purchase happened with, the fraudster have effectively stolen the new credit card I received from Chase Chase is lying to consumers about their zero liability protection program, despite clear evidences of fraud. I have also filed a police report to the XXXXXXXX XXXX XXXXXXXX soon after the fraud happened, case number XXXX
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit International Corporation (GA)

XXXX is attempting to collect funds for Valuations services not provided or requested- see below. XXXX XXXX, XXXX responded to the false allegation on XX/XX/2022, and requested supporting documentation of XXXX XXXX ( Appraisal ) not provided to XXXX XXXX XXXX 

" We attempted to withdraw the {$5000.00} your business owes on its XXXX XXXX XXXX account but were unsuccessful. So we added a Returned Item fee of {$25.00} to the balance owed. The new total owed is {$5000.00} and due immediately.

If youve already sent a payment, you can ignore this notice. 

How your business can pay Call us at XXXX to pay over the phone by credit card or check. If you have any questions, you can also chat with us. 

Or Click Here to upload a completed payment coupon using our secure portal. 
If your business can't pay the full amount, call or chat with us to talk about all your options. 

You can also get help managing your business 's XXXX XXXX Payments account in our Merchant Service Center. 

Thanks, The XXXX XXXX XXXX XXXX account : XXXX Business name : XXXX XXXX, XXXX Case number : XXXX ''
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NJ)

On XX/XX/XXXX, I opted to close my Secured Credit Card from Elan Financial Services. On that date, a letter was given to me, of which I received two weeks late. The letter states that Elan Financial will not produce my real cash value until an additional billing cycle passed, but where I need a cashiers check for my funds. Even though I have not done such things like any cash advances nor international transactions nor returned payments. My credit card was fully paid from my checking account. On XX/XX/XXXX, made a complaint with the CFPB about this lack of logical rational on withholding. Then on XX/XX/XXXX, a letter was given to me by the CEO which only was the subject of having agreed to the terms of conditions, but of which the CEO did not respond to the subject of lack of logic and unfair withholding. Now it is XX/XX/XXXX, and after all the wrongs, there is still no cashiers check mailed to my home address. I demand an immediate payment or there will be legal consequences.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and Transunion had the wrong date of birth on my profile. My correct dob is XX/XX/1978 not sure why you all are reporting incorrect dob.. never had a problem to recent .please make sure my dob is reporting as XX/XX/XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

I was a victim of credit card fraud where several charges were made on my account shortly after receiving a Citi bank custom cash card. From XX/XX/XXXX to XXXX. I contacted citi bank on XXXX yet still fraudulently transactions continued on my account I called citi bank fraud department immediately the following day to report the fraudulently transactions. They told me that the charges were marked as fraud and would be removed from my next billing statement. Citi bank issued me a new card yet the charges still appear on my account. So I called the citi bank fraud department again and got the exact response saying the fraudulently transactions are marked as fraud and are under investigation. This was in XXXX. I've repeatedly called Citi bank once a month 4 times in the past four billing cycles and they have given me the same response explaining that the charges are marked as fraud and under investigation. They have continously given me the run around and citi bank has not resolved the fraud case. I no longer have trust in using Citi credit accounts or banking with them in the future unless this issue is resolved. I would like to have the consumer financial protection bureau help assist in getting this fraudulently transactions removed from my credit card account.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (FL)

THIS COMPANY PUT A COLLECTION ACCOUNT ON MY CREDIT FILE ON ALL 3 BUREAUS AND DIDN'T INFORMED ME OR GIVE ME OPPROTUNITY TO DIPUTE BEFORE REPORTING. LIKE WHAT HAPPEN TO THE COMMUNICATIONS NEVER RECEIVED ANYTHING AND MESSED UP MY CREDIT SCORE. i WANT TO SEE DOCUMENTS AND PAPERWORK SHOWING i OPENED A ACCOUNT WITH THIS COMPANY SHOW EVERYTHING GC SERVICES Original creditor : XXXX XXXX XXXX XXXX Balance {$470.00} Balance updated XX/XX/2022 Original balance {$470.00} Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 2022
Consumer complaint received 2022-11-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I had a XXXX hardship and requested a deferral. After 6 months I was contacted and informed I would have to pay back the deferral amount in 6 months which was a surprise to me as I had skipped 6, so it didnt seem that th defer all for Covid was providing any real financial relief, only moving the stress / financial burden to a later period of time. 

Later I called back and another person let me know I could apply to have the payment split over 12 months which seemed more reasonable. As the payment continues to pile up I chose to make a payment online, the online option only allowed me to pay $ XXXX which is more than 2x my normal payment. 

I called back a 3rd time after making this payment and was then told the loan payment would be added to he end of my loan. This was a more ideal solution and I wonder stood it to be the likely scenario even though this as the third different scenario tat was explained to me. 

Shortly p After I got a letter stating I would indeed have to pay $ XXXX per month. Apparently this letter was drafted after I made the payment so I assume that would be deducted. Or modified at some point. 

I called back a 4th time as I was frustrated I was being led in circles and being given inaccurate information. They then said I needed to request a deferral to add the payments to the end of the loan but then said I could go back into forbearance which is not what I want. I want a reasonable way to pay back the money I owe. 

The company seems to have a lack of training and understanding in how to process these loan reinstatements. They are defaulting to predatory lending behaviors and given out misinformation as most consumers will likely give up. 

After a 4th call I then was to, d I had to apply for a deferral, which had clearly already been discussed or asked about previously but I was told it was not an available option for me.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

During the Covid 19 pandemic, I was separated in my marriage, after my now ex husband left me and our XXXX children making it impossible for to maintain monthly auto loan payments. In XX/XX/year>, I filed XXXX XXXX bankruptcy as I felt I was drowning in joint marital debts. I am diligently trying to purchase a home for myself and XXXX children. This account has lowered my credit score.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has been reporting my bankruptcy that was discharged in XXXX as DISMISSED. they claim that they get the information from XXXX and that its accurate. I have spoken with XXXX and have a report from them dated XX/XX/XXXX. This report show DISCHARGED not DISMISSED. TransUnion continues to negligently report my bankruptcy as DISMISSED. I have disputed the information 5 times in the last few months with no avail.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ridge & Valley Realty, Inc. (CA)

My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Credit Systems Inc for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 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 Credit Systems 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 Credit Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Credit Systems Inc, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2018-10-04
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: SYNCHRONY FINANCIAL (OH)

XXXX XXXX J.C.Penney Master Card was declined at XXXX for a purchase of {$59.00} on XX/XX/18. I have a {$7000.00} credit limit and at the time the balance on the card was less than {$100.00}. I had used the card twice at Walmart in XXXX, Oh without a problem a few days before. It was very embarrassing to me that my card was declined twice for no apparent reason. The store is in a predominately white area ( XXXX XXXX, Oh ) and I live in XXXX, Oh. There isn't a XXXX in XXXX yet. I don't understand what would have caused the bank to flag my account as possibly fraudulent. It wasn't a large purchase and the only thing that I might think they would use to flag it was the location of the store. Its less than 50 miles away from my home. But does that mean I can only use my card in the XXXX area without the bank declining any purchase? I can't go on vacation and use the card without the embarrassment of it being declined? There should be a better way to stop a possible fraudulent transaction without declining the account holder like asking the merchant/cashier to ask for i.d . or asking the cardholder to go to customer service where the staff there can call the bank to find out what the problem is. I feel I was discriminated against because I wasn't in XXXX and therefore could not be the cardholder.
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Federal Credit Control, Inc. (FL)

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint. In your response, you said that you sent adocument to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION NOR JUST AN ITEMIZATION, but DEBT VALIDATION LETTER. This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.