davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I applied for a credit card with American Express, I provided my Social Security Number they used it for my APPLICATION. According to the law they have violated my rights per the Privacy Act of 1974 Sec. 7. [ 5 U.S.C. 552a note ] ( a ) ( 1 ) It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his social security account number.

12 CFR 27.2 - Definitions For the purpose of this part, including all forms and instructions issued for use under this part : ( a ) Applicant means a natural person, including a co-applicant, who makes an application.

( b ) Application means an oral in-person or written request for an extension of credit for a home loan that is made in accordance with procedures established by a bank for the type of credit requested.

They have discriminated against me per 15 U.S.C. 1691, cited as the Equal Credit Act Amendments of 1976, it is unlawful for any recipient creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because of race, color, religion, national origin, sex, marital status, age : ( Provided, the applicant has the capacity to contract ), because all or part of the applicant 's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

What factors did the underwriter use based off of the law use to deny me?
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MS)

I paid off a loan with aid advantage for {$1900.00}. I received a receipt showing paid off. But they never updated with credit bureaus. I asked them to update. They closed the account then re opened the account showing a full balance still. I disputed with the credit bureaus and sent them pay off information and they are stating that my pay off receipt is insufficient and the credit company confirmed my balance was not paid off. I have bank records and receipts from loan company showing it was paid off.
Consumer complaint received 2023-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (CA)

This company has a collection on my credit report in the amount of {$3500.00} that they say belongs to me. I get threatening calls even to my family members that live on the east coast. Im writing to you because not only is this an issue but the fact that there are more than the account has multiple inaccuracies and its hurting my chances of buying a home. I have contacted them as well as XXXX and to no avail XXXX dis not do a thorough investigation on this matter. I want this account removed.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (VA)

I sent the following letter to XXXX Equifax and XXXX all failed to respond, between the breaches and not keeping our information safe this is ridicolous YOU ARE BREAKING THE LAW UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ( CREDIT CONTROL CORPORATI ) MY REQUEST TO RELEASE INFORMATION TO YOU, ( XXXX, Equifax or XXXX ) I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! 
- Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protectthe privacy of my personal information and medical records from all third party reporting agencies. 
Please send the above requested information to my mailing address listed above. 
This letter is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt. 
53 MEDICAL COLLECTION REMOVAL Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 
You have 15 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required.
Consumer complaint received 2023-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION (CA)

I am disputing an account with AXCSSFN/CNGO on my XXXX report. This account has been reporting for six and a half years as valid with no proof that it is mine. I have called XXXX and also the creditor and they dont even have have my information to match who I am. I would like this account removed also because its reporting blatant inaccurate information on my report. Im taking this higher because XXXX never did a thorough investigation on this matter.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Dear Credit Acceptance, Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for the above account no matter where the state it is. I dont know your company, as you may be a scam artist for all I know. Not to mention this company has lied multiple times stating that you tried to contact me when I've reached out via phone call and the response I got was we don't have a response yet we will call you back. moving forward, i am aware that this account is closed and you're not a credit bureau clearly! not sure if you guys knew that or not. This company has many inaccuracies as well on my credit profile such as payment summaries, along with many other inaccuracies. How is an account 180 days late 2 years later after being in collection previously? please provide me with these things below ( 1 ). Contract with my name on it.

( 2 ). Full accounting of this account.

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

And more.

Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue previous collection activity by validating the debt above. 
Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney XXXX XXXX. I will also be reviewing my state law to see if a bond is required. Dont escalate this matter further over this little debt. Delete it at once.
Consumer complaint received 2023-05-20
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 (FL)

Dear Apple Card/GS Bank USA , I am writing to request the removal of a late payment from my account. My account number is XXXX and my name is XXXX XXXX. I want to start by saying that the Apple Card is my favorite credit card of them all, and I am looking forward to building a long-term relationship with your company. 

Unfortunately, I was laid off from my job which caused me to experience financial hardship. As a result, I was unable to make the payment on time. I am now in a better financial position and have a stable job that allows me to make payments on time. However, this late payment is affecting my credit score and preventing me from qualifying for a house for my family. The late payment is also preventing me from getting a home with a good interest rate. 

I am hoping to be the first person from my family to own a home, and this late payment is hindering me from achieving that goal. I understand that it was my responsibility to make the payment on time, but I hope that you can understand the circumstances that led to my inability to do so. 

I kindly request that you consider removing the late payment from my account. Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (NJ)

Upon attempting to transfer my funds from current bank which I now know is using a XXXX XXXX the transaction failed and XXXX defaulted to another card. Yet current says it was authorized and went through. After going through a chat to provide evidence in screen shots that XXXX did not recieve my transfer deposit from current and relied on another card I had current chose to code this for authorized goods or services which I bow know was to evade the provisional credit. After clarifying and being told it was incorrect and would be provided they are now denying this happened and amazingly lack the ability to see their customer service chats or accept my images of it. It is my belief they are using XXXX bots for chat and the phone customer service is not only a multi company outsource but they have no access to disputes team nor have I ever recieved a single communication regarding my dispute. My dispute is a paid by other means dispute and they know what they are evading something I didn't even know until speaking with my XXXX XXXX XXXX XXXX at XXXX XXXXXXXX. 

My social is XXXX as well they can look up by my phone number XXXX Current Bank is again the institution
Consumer complaint received 2023-05-20
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. (FL)

This letter is a follow up to my original letters dated below. Regarding inaccuracies in the below mentioned credit bureau 's file on me, as it relates to credit inquiries & fraudulent accounts ... Experian, XXXX and XXXX XXXX ... Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XXXX 
I sent a copy of all outstanding and outdated information along with unauthorized inquiries requesting the removal of the items.. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Therefore, I am requesting an investigation under 611 FCRA. Please also comply with Section 609 of the FCRA. Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon requests, and subject to 610 ( a ) clearly and accurately disclose to the consumer. Identification of each person ( including each end-user identified under section 607 ( e ) that procured consumer report. I'm requesting you reinvestigate and delete the following " unknown '' accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the CFPB and the Attorney General 's office. Should you continue in your non-compliance.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Collection agency name : MIDLAND CREDIT MANAGEM Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (IL)

Medical Collection ; XXXX XXXX XXXX in the amount of {$490.00}. 
Per new law, medical collections under {$500.00} should not be reporting. This collection is in violation of that law.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (IL)

I am filing this complaint against Goldman Sachs Bank USA for their failure to correct inaccurate reporting on my credit report concerning my Apple Card account. The inaccuracies have already been disputed directly with Goldman Sachs as well as with the XXXX major credit reporting agenciesXXXX XXXX, and XXXX no resolution has been provided. 

XXXX IXXXX XXXXXXXX : XXXX : Reporting a charge-off from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : Reporting the account as " current '' from XX/XX/XXXX to XX/XX/XXXX. 
These discrepancies have caused significant damage to my credit profile and have affected my ability to secure financing for essential needs, including a new vehicle. 

Despite my disputes with the credit reporting agencies, this erroneous information remains on my credit reports. The continued reporting of this inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2, which mandates that information furnished to credit bureaus must be accurate, fair, and complete.
Consumer complaint received 2023-05-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have a vehicle loan with XXXX XXXX XXXX from XXXX of 2020. When I took out the loan the price started at around {$22000.00}, I put {$5700.00} down, after the taxes and tags, the finance was at $ XXXX. At 72 months. The dealer swindled me and talked so fast I could barely understand what he was saying or doing, but I had no vehicle and and a credit score at roughly 600 with no co-signer. So I agreed to whatever the terms were. I was explained my payment would be over {$500.00} a month and I was only making {$1900.00} a month at the time, so I tried to find a better job so I could pay it off quicker and be able to afford my life. 
Just as soon as I found a new job covid swept in. I worked from home a lot with XXXX kids, and eventually was no longer able to keep up with some payments due to lack of work. I explained to the company what was going on and they kept saying theyd notate the account and pay what I could. I missed full payments for about 4 solid months, and I continued to contact each month for an update. As soon as I began work again, I called to schedule a promise, and the day of payment they repossessed the vehicle in the night. 
It took me 7 days to get the vehicle back even though it had been released already. I spent another {$950.00} for a rental for those seven days so I could get to work. 
I asked what my loan payoff was at this time and they tell me its $ XXXX!!!!!!!!! 
I said put {$5700.00} down ; Ive paid {$520.00} a month since XXXX of 2020 other than those few months and somehow my loan is still at almost {$22000.00}?? Something sounds completely off here. Then the rep proceeds to tell me I was charged {$14000.00} finance surcharge that I wasnt aware of and was told my APR was raised and I was never given the rate.

At this point I dont even know what Ive paid to interest or principal or how theyre calculating it. All I know is now I owe {$740.00} a month for 24 to bring whatever fees and interest current from being late for 4 months straight. 

This company is completely predatory and they are not here for their customers.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (TX)

DEAR CFPB I, XXXX XXXX HAD APPLIED FOR A CARD WITH XXXX. I NEVER HAD A CREDIT CARD BUT A VOUCHER SAYING I WAS APPROVED WITH THEM. THEY SENT OUT A DEFECTIVE PRODUCT AND WANTED ME TO PAY THE POSTAGE TO SEND IT BACK. WE ALL CAME TO AN AGREEMENT AND THE MATTER WAS SOLVED. IN RETURN I CANCELLED THE ACCOUNT THIS WAS ABOUT A YEAR AGO. IN RETURN THE COMPANY CREDIT BUREAU BEGAN TO CALL ME AND HARASS ME CEDARS BUSINESS SERVICES. I TOLD THEM THAT I DID NOT OWE XXXX ANYTHING AND HOW THE MATTER HAD BEEN SOLVED OVER A YEAR AGO. I HAVE EMAILS STATING THE ACCOUNT WAS CLOSED AND SOLVED I ALSO HAVE THE INFORMATION ON A RECORDED MESSAGE. I INFORMED CEDAR BUSINESS SERVICES AND THEY DID NOTHING BUT KEEP SENDING ME EMAILS AND CALLING ME SAYING THEY DONT CARE WHAT XXXX SAYS THAT I OWE THEM. IF THIS DONT STOP A LAWSUIT IS GOING TO BE FILED AGAINST BOTH PARTIES.
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (NV)

After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-05-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2022, I deposited {$30000.00} into a high-yield CD with Marcus ( Goldman Sachs Bank ) . On XX/XX/2022 I deposited {$10000.00} into a savings account with Marcus as well. On XX/XX/2022 XXXX XXXX closed ' both accounts without providing me a reason and never transferred the deposited funds and interest earned back to me. The two accounts show a XXXX  balance. I have called four times to speak with the deposit team and customer care team and no one can tell me where my funds are. I opened a customer care case number ( XXXX ), but every time I call to get a status, the person indicates they can not help me and someone will call me back within two to three business days. No one ever calls me back. I have spoken with two supervisors in the last month XXXX and XXXX and neither one has been able to tell me where my originally deposited funds are at. I am extremely concerned.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> To Whom It May Concern, I am writing in response to a notice I received concerning an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. Please provide the following information : A copy of the agreement or contract assigning the debt from the original creditor to your agency. 
The name and address of the original creditor. 
A detailed accounting of how the debt was calculated, including any fees or interest. 
Proof that you are legally authorized to collect on this debt in my state. 
Additionally, until this debt is validated and the requested documentation provided, I request that you cease all collection efforts and reporting of this debt to any credit reporting agencies. 

Please consider this letter a formal dispute of the debt and a request for validation. I expect a response within 30 days, as required by law. If you fail to provide the requested documentation within this timeframe, I will consider this matter closed, and you must notify any credit reporting agencies to remove any references to this debt from my credit profile. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

After clearing some debt on my credit report a random debt from " XXXX XXXX XXXX '' shows up from Jefferson Capital System which does not belong to me. I contacted them and they can not give me any useful information on this account. This needs to be removed and Jefferson needs to stop harassing me on false accounts. This is not the first time and at this point I feel like i am being scammed.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

None of these accounts belong to me XXXXXXXX XXXX XXXXXXXX XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants