davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

To : MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re Acct # XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting : -ORIGINAL PURCHASE AGREEMENT that shows you are the legal owner of this alleged debt. 
-Insurance claim of the debt. 
-The XXXX with the original creditor -Statute of limitations and last pay-missed on the debt. 
-Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
-Complete documentation of all assignments and chain of custody showing the transfer of the debt. 
-Proof that the original creditor securitized the debt. 

I am also requesting any type of document that proves your company has the authority to collect debts in my state.Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] if you can not validate the debt, you must request that all credit reporting agencies delete the entry immediately. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : -Defamation -Violation of the Fair Credit Reporting Act 15 U.S.C 1681 section 611 ( a ) ( 1 ) ( a ) You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-26
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. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NM)

I applied for a XXXX XXXX Chase Bank credit card and have great credit and payment history. I was denied because I had opened more than 5 accounts over the past 2 years. I currently have only 3 open credit card accounts. All others have been closed with with perfect payment history. 

There is no fine print anywhere in the application process telling me that I could have opened more than 5 accounts, but even so, I only have 3 open accounts. They say it is to prevent people from abusing the promotional deals but I have not had a Chase account in over 5 years. I believe this is discriminatory and an abuse of the credit card company that is making the offers. It is not possible to make an offer and then say, well only if you have not opened more than 5 accounts in the past 2 years. It is not stated anywhere in the application. And also my credit rating went down a few points because of the application. I would like an appeal and also a change in the business practices of Chase bank making these offers and then denying applicants without proper reason. 

Thank you
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-08-22
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. (OK)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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. (OH)

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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX, # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly.

15 U.S.C 1611. States youre supposed to be notified of all signing information.

15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased a ticket with XXXX XXXX, as well all know any ticket can be cancelled within XXXXhours. I reached out to them around XXXX hours of booking the flight to let them know it would need to be cancelled. The lady on the phone reassured me it was canceled asked if I wanted the confirmation but it was canceled. Fast forward I see the charge never leave my credit card I reach out to them instantly. They begin the dispute one to re change me again. This is a reoccurring charge I am experiencing and feel robbed not only by XXXX XXXX  but as well as Bank of America. I have never had a successful dispute with my Bank of America credit card and am the subject of having to pay for things I have returned. Bank of America is scamming customers and not handling disputes properly!
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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. (MS)

The Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies.

15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

the following inquires were not made by me please send documents of who you spoke to Verify these inquires and application with my signature and who you spoke with XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX PLEASE INESTIGAGTE THESE INQUIRES
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NJ)

I was an AMEX credit card holder in good standing for 30+ years, yet when I tried to cancel my card, American Express engaged in abusive, unethical practices, first by making it very hard to close my account & then refusing to stop payment on standing orders. The following is a summary of what has transpired : I tried to cancel my card at about the end of XXXX, XXXX but I was kept on the phone for more than hour, shunted from one agent to another on the pretext that each was involved in a different aspect of the cancelation process. I agreed to think the matter over just to get off the phone but was ensured that if I decided to cancel my card I would not have to go through the rigamarole as I had already completed the necessary steps in the process. I called to cancel my card on XX/XX/XXXX & I was kept on the phone again for over an hour & my card was canceled only after I said I would hang up & file a complaint against the company. I was assured that standing payments would also be canceled, but they continued. I paid two further such payments but told the company that I would pay no further standing orders. I received a letter from the company on XX/XX/XXXX informing me that automatic payments will continue as long as I am enrolled in autopay. I have not enrolled in any such payments to my knowledge, and when I attempted to cancel autopay online with my bank, no autopayments were listed. ( I am attaching the letter I received from American Express ). I have tried everything to make American Express stop payments on charges which I do NOT want paid, but they continue making payments doubtless so that they can collect a fee. I will not make any further payments to American Express as I have made my intention to terminate any contractual agreement with the company repeatedly clear.
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (MD)

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. 

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 XXXX XXXX XXXX XXXXXXXX 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 consumer reporting agency can not furnish an 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 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 causse to believe that the information is in accurate.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (ID)

I submitted a purchase dispute with Comenity Bank XXXX XXXX XXXX  store card on XX/XX/XXXX for a purchase via phone. I followed up the phone dispute with a secure message on the Comenity webpage with supporting documents per the phone reps request. On XX/XX/XXXX I recieved a responce confirming reciept of supporting documents by comenity message support stating they were looking into my dispute and I would not be held responsable for the disputed charge. 

As of XX/XX/XXXX no forward movement has occured on my dispute, no additional communication has been issued by Comenity in reguards to the dispute, I am still showing a balance and payment due on the disputed charge, and Comenity is not responding to my requests for more information. 

The dispute goes as follows : " This item was delivered with major water damage. XXXX documented the damage and its also mentioned in the XXXX that XXXX XXXX XXXX issued as well as in photos in the email thread ( all attached here ) XXXX XXXX XXXX issued a XXXX requesting all original packaging be returned. I explained due to the water damage to the item and packaging I was not going to be able to ship the item back in the original packaging and needed packaging provided along with a XXXX pick up. 

This is a large item that was delivered via freight - XXXX XXXX XXXX  originally requested I go to XXXX  to get a box but after visiting XXXX it was descovered they do not carry boxes of the appropriate size XXXX XXXX XXXX then told me I would need to buy a second XXXX monitor to procure packaging to send the original broken one back. 
XXXX XXXX XXXX is not acting at all in good faith and making it impossible to make this transaction right. '' I sent the entire email thread with XXXX XXXX XXXX  support where they said I would be required to buy a second XXXX monitor from them to return this item. I also sent the XXXX that has the carrier ( XXXX ) statement of damage to this item in transit, and finally I included photos of the damage as it was taken off the freight truck. 

Yet even with all this data Comentry is still holding me accountable for a disputed charge and not investigating this case at all.
Consumer complaint received 2023-03-26
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. (IN)

I disputed an XXXX XXXX account. It should be coming off in XXXX as that is 7 years from the date of first delinquency. However Experian is stating it wont come off until XXXX? 13 years after the account was closed? They refuse to fix this
Consumer complaint received 2023-03-26
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. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 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 a account without my written instructions.

15USX 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

Hello, I dont know how far the email will go or if I can get this resolved but I will try. I close mouth dont get fed. Ive reached out to so many people even corporate and I keep getting rear ended. It should be a crime to charge 181 % in interest on loans. Why is it legal in Tennessee? These loan sharks target people who are suffering rich or poor. My only working vehicle has a 181 % interest loan on it with TitleMax. They never told me the interest rate until after I signed the papers. They never tell me what has been applied to the loan until I go online to see. I paid {$2700.00} on a {$2100.00} loan and still owe {$2700.00}. Ive used TitleMax several times and never had this hard of time paying this off the loan until now. I am trying to get my XXXX  in XXXX XXXX and homeschool my XXXX children, my income can not afford $ XXXX {$400.00} payments and only {$90.00} goes towards the loan. I have reached out to TitleMax general and district manager and none of them would return my calls. It took 3 weeks for them to return my call and they refuse to work out a payment plan so the interest dont keep accumulating. They told me I need {$650.00} to get current and only {$120.00} will go towards the loan the rest is interest. I called them on XX/XX/XXXX to forfeit the vehicle because I can no longer afford the payments. The general manager request that I drop the vehicle off at their office and take a XXXX home. I dont have XXXX money. I already paid the vehicle off and they want me to go out of my way to satisfy them. This should be banned in Tennessee. How can someone charge this much interest? The car is still in my driveway and I cant drive it because the tags are expired and no insurance because TitleMax will not come and get it and let me be done with them!!!!! I would love to keep my vehicle but they will not communicate with me and letting the interest on the loan get higher. Please help and send this email to someone who can help. Ive been in touch with the office since XX/XX/XXXX. I was current until XX/XX/XXXX. The General manager refuse to work with me on making monthly payments he said the District manager said he cant help me. I am on section 8 and my loan payments are more then my rent!!! My car started having problems and I can not afford to get them fixed because of their high interest rate and monthly payments. Im just trying to work this out but its obvious they dont want to nor have they attempted to get the car. Ive paid off over 10 loans with them and its sad that they couldnt work with me so I can keep the car. I am a single mother of XXXX whose just trying to make it and theyre making it impossible for me and Im sure others who are barely making it. There is no interest amount on the statements. I uploaded a statement from XXXX on another loan I had and it shows the interest. 


Thank you so much, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

Nothing happened a total disregard for the laws Thats all set in place to protect the consumer. It says in fair credit reporting act I have the right to privacy I need all that information deleted off my credit report its all inaccurate. 15 USC 1681 section 604 a section 2 it also states that a consumer report an agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

on XX/XX/XXXX, XXXX XXXX XXXX released the lien on the XXXX XXXX XXXX. they stated the lien was satisfied. they also released the title. I demand this entire account be deleted due to inaccuracies. pursuant 15 USC1681B, I do not give XXXX permission to furnish fraudulent information.
Consumer complaint received 2023-03-26
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. (NC)

Since XX/XX/2022 I have been sending letters to reinvestigate my credit report and XXXX XXXX # XXXX keeps coming back verified and accurate but how can that be if nothing has changed on it. My consumers rights are being violated. According to the FCRA everything has to be accurate and it is. Nothing is accurate on this account. Everything has to be the same on all 3 credits bureaus. there is no fairness or accuracy when it comes to my credit reports
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (NC)

Since XX/XX/2022 I have been sending letters to reinvestigate my credit report and XXXX XXXX # XXXX keeps coming back verified and accurate but how can that be if nothing has changed on it. My consumers rights are being violated. According to the FCRA everything has to be accurate and it is. Nothing is accurate on this account. Everything has to be the same on all 3 credits bureaus. there is no fairness or accuracy when it comes to my credit reports