davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX I received a loan for {$5400.00} from XXXX XXXX after applying online. I was paying the loan via ACH drafts each month. I had to close the account due to issues and contacted XXXX to mail payment. They refused and attempted to still draft from closed account. I received emails from XXXX with my balance due of XXXX XXXX.The final email came on XX/XX/XXXX. I was unable to pay the full amount and the debt was sold. I began receiving main from Midland Funding stating I owe more than {$6000.00} for the same account. I was served for garnishment on the debt in approximately XX/XX/XXXX for which I requested proof of the amount for which they were stating that I owe. They merely sent a copy of the original loan amount of {$5400.00} and no records to show amount following payments that were made on the account. We went to Civil court on XX/XX/XXXX for which I had the copies of the emails with the amount that XXXX stated I owed. The Judge ordered me to meet with the Attorney representing Midland to try to reach a settlement without hearing anything from me. During this meeting, I asked how they reached the amount that they were asking and she could not explain. She tried several calculations to try to reach that amount and was not able to. She also did not have any records matching the amount that XXXX gave me prior to selling the debt. She then proceeded to say that the interest increased the amount. I then explained that Georgia only allows Debt Buyers to charge 7 % interest. And she explained that the debt was purchased from XXXX in XX/XX/XXXX. I then added that there was no way that interest caused the amount owed to almost double. She then gave me a Consent form offering a settlement amount of just over {$4800.00} and monthly payment of {$120.00}. She told me that I could turn down the offer, and go to trial but they will be seeking the full amount of {$6000.00} plus court fees if I lose. And she told me that even if I sign it does n't mean that Midland can not decide to come back for the full amount at anytime. I signed the consent to pay that amount after the attorney strategically threatened to get more money from me if I refuse this new amount. The new amount is even higher than the debt owed and I 'm not sure how she reached this amount either. I am filing this complaint because Midland filed for Judgment on a fraudulent amount, and no documentation or justification to support that amount. Also they use intimidating practices to gain agreement to make money.
Consumer complaint received 2017-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

There are multiple inquiries that were the result of unauthorized use of my credit report. I have filed an identity theft report. I am unsure of what type of credit many or these companies issue.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

In XX/XX/XXXX and XXXX 2017 I charged food at three restaurants inside two casinos in Michigan. I used my Chase bank AARP Visa card for the charges. My statement indicated I was charged XXXX dollars transaction fee for each charge. When I called Chase for an explanation, the Chase representative informed me that any charges which come from a casino whether from an American or XXXX casino, if they are coded as coming from a casino, are charged a 3 % fee with a minimum charge of {$10.00}. I would like to know if these fees are legal. Of course, I will no longer be using Chase credit cards at casinos as my other credit card has never charged me a fee for this. The Chase representative informed me they have no way to remove these fees.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Assistance in Resolving XXXX XXXX  ( Debt Bondage ) Case To Whom It May Concern : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report is the result of XXXX. 

Please block this information from my credit report withing four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

These accounts have resulted in several hard fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the accounts, or collections, as reported on my consumer credit report that is being maintained by your organization. 

Per the Consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I sincerely request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, and XXXX. Please delete the following accounts. 

Ive listed each account : 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 Im requesting that TransUnion send me proof of the corrections. I appreciate your urgency in correcting this mater. 

Sincerely, XXXX XXXX XXXX XXXX : Proof of Identity Trafficking Documentation
Consumer complaint received 2024-08-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (HI)

This email I sent to Citibank is a summary of the events : Dear Citibank, I am writing to express my profound dissatisfaction with the handling of a fraudulent transaction on my account and the subsequent customer service experience Ive endured with your XXXX XXXX XXXXXXXX days ago, a fraudulent XXXX transaction of {$4500.00} via XXXX XXXX was processed from my account. Despite the usual rigorous verification procedures for transactions, this one was completed without any such checks. Immediately upon receiving an email regarding this transaction, I contacted your support team to report the fraud. 

Unfortunately, my experience since then has been marked by severe inefficiency and frustration. Over the past XXXX and a half days, I have faced continuous issues including my calls being transferred, placed on hold for extended periods, and in some instances, the calls have been disconnected or dropped, and actually hung up on! I was advised to visit a physical branch, which is impossible given that there are none in XXXX. Other suggestions such as opening or closing accounts have only added to the confusion and dissatisfaction, as I have been told conflicting information regarding these processes. 

A significant problem has been the handling of the " security word '' verification. Despite repeated attempts to provide the correct information, including my mother 's maiden name, the calls were ended abruptly with no resolution. This has left me without access to my account and funds, exacerbating my frustration and sense of helplessness. 

Given these circumstances, I demand the following : XXXX resolution of the fraudulent transaction with a full refund of the {$4500.00}. 
Transfer of my remaining account balance to me without further delay. 
A thorough review and improvement of your outsourced customer service operations to prevent such issues in the future. 
This entire experience has been exceptionally disheartening and has eroded my trust in your institution. I regret to inform you that I will be closing my account and discontinuing any future business with Citibank. 

I expect prompt action and resolution to these matters. Please contact me directly aXXXX XXXX XXXXr this email ( removed ) to confirm receipt of this complaint and to provide updates on the resolution process. 

Sincerely, ( removed ) Case number : ( removed ) XXXX XXXX of my savings acct : ( removed )
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is NOT a duplicate report, and this is not filed by a XXXX party or XXXX, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name XXXX XXXX Account XXXX XXXX Account Name : XXXX Funding Account # XXXX Account Name : XXXX Account # XXXX Account Name : Rentrecovery Account # XXXX In addition, please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number of Original Merchant ) XXXX. The Payment History and XXXX XXXX XXXX with Each Account XXXX. The XXXX XXXX with My Signature on It XXXX. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these XXXX details, please delete these accounts from my credit report. Thank you in advance.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WV)

I was the Victim of ID theft again and was informed a XXXX  breach with some credit bureau included my information. I also changed my phone numbers and want a NEW Extended Fraud Alert put on my credit file with a new expiration date in 7 years from now.
Consumer complaint received 2024-08-02
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. (IL)

Hello, while taking a look at my credit report I noticed quite a few late payments on my account in which I have always maintained timely payments. Reporting agencies play a big part in accurately reporting consumer information. It is very important to to be reported with the utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX. I am requesting that you thoroughly investigate this errant information and urge you to provide evidence such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, I demand these payments be updated to reflect their true status as on time and remove all errant " late payments '' as I have consistently upheld my payment obligations without any delays.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Upgrade, Inc. (FL)

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account. The erroneous information is as follows : [ Specific inaccurate information, such as " missed payments '' and " late payments '' ] I request that you provide me with detailed statements and records of all payments made and missed since I opened this account. 

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred. 
Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe. 
Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices. 
Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/year>, at XXXXXXXX XXXX XXXX, we called Bank of America about the amount left on the credit card after transferring {$90000.00} to another card. The amount remaining was {$470.00}. Our question was by what date does the balance have to be paid to avoid any more interest on the account? We were told interest would accrue on XX/XX/XXXX, so it must be paid before that date. 
The full amount was paid on XX/XX/XXXX and the account showed a {$0.00} balance. On XX/XX/XXXX we received via email a new bill for that credit card for {$110.00}. 
On XX/XX/XXXX, we called Bank of America, to ask why we were charged the interest. We were told the {$470.00} payment went through on XX/XX/XXXX paying off the account in full. On XX/XX/XXXX, interest accrued and was charged to the account. 
We asked for a refund or reversal of the interest since there was not a balance when it was levied. The customer service rep, submitted the request. After waiting over XXXX minutes she came back on the line to tell us the request was denied because there was no bank error. We asked to speak to a supervisor and were told there was nothing we could do but pay the bill, there was no way to dispute the decision because it was done by the system. We are writing to dispute this charge we did what we were told to do by the bank to avoid the interest and were still charged interest on a {$0.00} balance. We want the charge reversed, with no hit to our credit.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/year> my savings and checking account was restricted, so I called and they decided to cancel my account, they told me that they were going to send the money to an external account or to my address, but time has passed and they have not They haven't sent anything nor have they given me a response, I have called almost every day and the only thing they tell me is that they don't have a time limit, there are more than {$1000.00} that they have confiscated from me and it is making it difficult for me to pay my debts, that money is 100 % legit
Consumer complaint received 2024-08-21
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX ACCT # : XXXX XXXX  ACCT # : XXXX I discovered that two child support accounts have been inaccurately reported on my credit report as consumer debts. These accounts are associated with administrative support orders and should not be classified as debts under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). The reporting of these accounts as debts is misleading and damaging to my credit profile, as child support obligations are not covered under the FDCPA. This incorrect reporting violates my rights and has negatively impacted my credit score.
Consumer complaint received 2024-08-02
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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.

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.