davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX Nc Last 4 of SSN:XXXX Date : XX/XX/XXXX I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. 
Validation of Debt and HIPPA. Authorization Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FIDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the prov of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing them to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute listed below. 

XXXX XXXX XXXX XXXX Balance : {$2000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (SC)

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. 

Has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

This company has responded to my last complaint " verifying '' the account. United Revenue Corp has not provided me with any documentation on this account. This is not my debt. Although they claim I owe this debt, they have not provided any proof that this is my debt. I have already given this company notice that this account was opened as a result of identity theft.
Consumer complaint received 2020-05-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NJ)

The company referenced in this complaint responded to prior complaints with the Consumer Financial Protection Bureau ( cfpb ) on XX/XX/2020 acknowledging that they are working on the complaint with a maximum 90 day period to complete the process. However, I would like to point out that the company has only partially processed the complaint, per my online inquiry on the account. The company Comenity Bank failed to do the following : 1. ) ISSUE provisional credit for purchase of {$1300.00} dated XX/XX/2020. 2. ) Purchase mentioned above should be on 24 months no interest plan, NOT the low APR plan in which I did NOT select. 3. ) ISSUE credit for {$3.00} finance charge dated XX/XX/2020, since Comenity Bank has the purchase on the wrong finance plan through no fault of the cardholder.
Consumer complaint received 2020-05-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is trying to collect on behalf of XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$130.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (TX)

This Company consistently redates a debt on my credit report. They are now saying I opened a XXXX account in XX/XX/XXXX and I owe XXXX. This is a lie. I had XXXX acct in XXXX and closed my account in XXXX. Never ever have I had XXXX since then. 

I have fought to for them to remove the incorrect information. For several years with XXXX  and XXXX. 


JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (MD)

We received a Square debit card with my name and address and a company I had never heard of. This suggests that someone opened a checking account with Square using my identity information. When I called Square to report it they said they didn't have a fraud department and didn't issue credit cards because they were a payment processing company. That was obviously not true since I had a card in front of me so I escalated until I spoke with someone who took my information and said they would look into it. They said they were unable to give me any information on the account, would not notify me about what happened with the card, and there was no way for me to call back and check in the future. So I'm supposed to just trust that they will do close the account when the " customer service '' person I spoke to didn't have any idea how to handle it?
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Dear LVNV Funding, Re : Reference # XXXX ( LVNV FundingXXXX XXXX XXXX XXXX XXXX I have sent you several written requests to validate ( not verify ) the total amount of debt on my consumer report. 

According to the Fair Debt Collection Practices Act ( FDCPA ), [ 15 USC 1692g Sec. 809 ( b ) ] I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, when I requested validation of the debt, I only received billing statements for 24 months which does not add up to the amount of {$11000.00}. 

This is a clear violation of section 15 U.S. Code 1692j of the FDCPA falsely representing the amount or character of the debt, including any interest, fees or charges. 

Please provide me with a complete payment history, the requirement established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX XXXXXXXX This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character. Per 12cfr part 1006- false or misleading representation : debt collector is prohibited from making false or misleading representation the amount or status of the debt. 

Please be advised this is my FINAL REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 


Thank you for your time, XXXX XXXX
Consumer complaint received 2020-05-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUN LOAN COMPANY INC. (AL)

On XX/XX/2014 i got a payday loan it has not been paid. I have tried contacting the company but i was told it was closed down for good the company is no longer there, i tried to use the contact information i have on my XXXX account but the information belongs to a company name XXXX XXXX XXXX. At this point i dont know what steps i should take.
Consumer complaint received 2023-10-01
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. (NC)

In Accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. State i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2, it also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I opened a Victoria Secret Card through Comenity in XX/XX/XXXX with a credit limit of {$250.00} and minimum payment of {$28.00}. At the end of XXXX they lowered my credit limit and raised my minimum without notice to which I attempted to resolve with their company with no luck. So on XX/XX/XXXX I filed a complaint here with the CFPB to try to resolve as my limit was lowered after a purchase was made the would put me over this new, lower limit making my account unusable and my credit show as over the limit which affected my overall credit usage. Comenity responded XX/XX/XXXX by raising my limit back to {$200.00}, waiving my XXXX payment and removing a late fee I was wrongfully charged. I made 3 payments in XXXX anyways and paid off my balance on XX/XX/XXXX, on XX/XX/XXXX I sent a secure message inquiring into why I hadn't received my XXXX statement as I usually receive it before the end of the month. I received a secure message with an attached file on XX/XX/XXXX, stating they had received final payment, yet I did not receive a statement. On XX/XX/XXXX I received another secured message this one stating my account had been closed due to inactivity and new credit information. I contacted Comenity to ask what they viewed as inactivity since in my view I made 3 payments the month before so I have only been inactive for 1 month. And if they are talking about purchases it had only been 4 months since last one and only that long because of how long it took to fix issues with my account. The response I received stated my inquiry was sent to a different department and I would receive a response from them. Then I realized I had a few items to ask about and explain so I replied back stating I have {$10.00} reward from purchases and a 20 % off XXXX  XXXX Anniversary Gift that had to be used by XX/XX/XXXX. But that also could only be used with my card that was now closed. And to explain the mistake with the lower score on the credit report they decided to base their decision on. Explain how my credit score had just taken a huge hit since my student loan servicer noted my account wrongfully as deferred, which it was not supposed to do under the CARES Act, but has since been rectified. To which they responded they already forwarded my request if more information was needed I be notified.
Consumer complaint received 2020-05-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX is trying to collect on behalf of XXXX XXXX  XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-05-31
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)

SOMEONE STOLE MY IDENTITY AND OPEN UP SOME ACCOUNTS THAT I HAVE NO KNOWLEDGE OF I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is trying to collect on behalf of XXXX XXXX  XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

To : The Consumer Financial Protection Bureau, I would like to submit this complaint regarding a charge off for an equity line of formerly held by City Mortgage. This loan was valued at approximately {$49000.00} when I was affected by the natural or declared disaster known as hurricane Irma. I then contacted Citi Mortgage for advice and was informed that I was eligible for a mortgage assistance program due to the affects of hurricane Irma. Citi Mortgage mailed me the application for mortgage assistance, and I completed the application and faxed it back to them. I received a letter from Citi Mortgage stating that my application for mortgage assistance was complete and they received it on XX/XX/XXXX. This letter stated that because Citi Mortgage received my completed application, certain foreclosure protections would apply. The letter also stated that Foreclosure activity will cease and that they would not make the first notice or filing, whichever is applicable, while my complete application is being evaluated. 
On XX/XX/XXXX, I received a letter stating that due to a recent internal business change I was reassigned to The Homeowner Support Team to assist as my Homeowner Support Specialist. I was not aware that at this time they were already reporting to the credit bureaus that my loan was charged off as of XX/XX/XXXX. Citi Mortgage was also reporting to the credit bureaus that my account was late as of XX/XX/XXXX in the amount of 120 days past due up to XX/XX/XXXX when they reported that I was 180 days past due. I faxed Citi Mortgage a letter stating that an error had been made regarding my loan and that it was being reported as a charge off to all three major credit agencies XXXX, XXXX, and XXXX. I have uploaded proof of correspondence with Citi Mortgage relating to the Mortgage assistance program as well as receipts from XXXX XXXX proving that I have been paying {$500.00} per month since XX/XX/XXXX. I would like for this Charge Off from Citi Mortgage to be removed from my credit report with all three agencies XXXX, XXXX, and XXXX. 

Thank you XX/XX/XXXX
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

I got a alert that my credit score went down 14 points because ENHANCED RECOVERY COMPANY put a report on my account that does not belong to me, so i call E.R.C to get information on this dept so i can get it investigate, the rep was not able to tell me the address on the bill and when the account was open, all she was able to tell me is the original creditor ( XXXX XXXX XXXX ) i never had any account with this company and i have not live in florida for over 20 years. 
The account was reported to the credit bureau on XX/XX/2020 and the amount is {$260.00}. 
Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL  XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc. (WA)

I have a loan with American First Finance - I was making two payments a month for XXXX each. Then I lost my job due to the pandemic - that was in XXXX - on the XXXX. I got a 14 day extension but I told them I was no longer working and if they could accept one payment vs two a month - they said they couldnt change the loan agreement and I would have to send proof that I wasnt working. They constantly call, and hang up all hours of the day and dont leave messages. The only time I can speak to anyone is when I call, and they tell me the same thing - when can you make a payment and tell me they are going to report this to the Credit Agencies.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX  in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

Hello. On XX/XX/XXXX, I discovered a {$12.00} service fee. This was because I didn't meet the criteria for " free checking '' which were to make a direct deposit once a month or have {$1500.00} in the account every day or have {$5000.00}. I wrote to them because I felt that is predatory to do this when 40 million of us are unemployed and can't reach those requirements. They did a one time reversal on the fee, but they will charge me from now on. This is absolutely sick to do to millions of Chase customers. Doing this during a pandemic is sick.