davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (FL)

Dear Sir/Madam, I am writing to dispute the amount of debt ( XXXX ) that southern management system is currently attempting to collect from me. After reviewing the information provided by your agency, I have discovered that the amount being claimed is inaccurate and does not align with my records. 

Upon receiving your collection notice, I immediately began to investigate the debt in question. After thorough review, I have confirmed that the amount being pursued by your agency does not match the original debt that I owe ( XXXX ). I have kept detailed records of all my financial transactions, and I can assure you that the amount being claimed is incorrect. 

I am requesting that your agency provide a breakdown of the debt, clearly outlining how the amount has been calculated. It is important for me to understand how the total has been determined in order to address this matter accurately. I would also appreciate any documentation or evidence that supports the debt amount being pursued. 

In addition, I would like to bring to your attention that I have not received any prior communication regarding this debt. It is important for me to understand the origin of this debt and any prior attempts to contact me regarding it. I believe that as a consumer, I have the right to be informed about any debt and to receive proper documentation before being pursued for payment. 

I would like to emphasize that I am not disputing the existence of the original debt, but rather the amount that is currently being claimed by your agency. I am committed to addressing my financial obligations, but it is crucial that the correct and accurate amount is established before any further action is taken. 

I am kindly requesting that your agency cease all collection activities until the accuracy of the debt amount has been verified and provided to me in writing. I believe that this is a reasonable request and falls within my rights as a consumer under the Fair Debt Collection Practices Act. 

I am prepared to cooperate fully to resolve this matter, but I must insist on having the proper information and documentation regarding the debt in question. I hope to resolve this issue amicably and promptly, and I trust that your agency will work with me in good faith to reach a fair and accurate resolution. 

I look forward to your prompt response and resolution to this matter. Please address all correspondence regarding this dispute to the address listed below. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

I have a XXXX XXXX Rewards Card and contacted Chase to file a claim due to an illness and our inability to make it to an event we purchased tickets for. I was transferred to XXXX XXXX services and was told that they could not honor this as my card didn't have this benefit associated with it. 

I pointed them to : XXXX XXXX XXXX   where the benefit reads " If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to {$5000.00} per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. * '' They said this was an error and my card was not eligible. I contacted Chase as they had mentioned that if I was not successful in filing this claim via XXXX XXXX, that they could dispute the charge. I attempted to do this on XX/XX/19 and was told I could not file the claim. 

Both Chase and XXXX XXXX have misrepresented the benefits of this card to their cardholders. I promptly closed my account with them this morning. 

Thanks,
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Consumer complaint received 2020-04-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARS Acquisition, LLC (FL)

The loan is not mine and Ive already reported to the company of such information in 2019. The account belongs to someone else. My information was wrongfully used. The company Car financial services is still reporting to all three credit bureaus that I have an outstanding balance.
Consumer complaint received 2019-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK (FL)

This is about Discover Card taking too high of a monthly deduction from my checking account. I contacted them and asked for a reduction based on my monthly income from social security after being declared XXXX XXXX due to XXXX XXXX, but all they did was lower my interest for 6 months only. I need a permanent reduction in the amount they withdraw every month in order to survive.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (NY)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2019-01-04
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. (NY)

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and Trans Union respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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
Consumer complaint received 2019-01-04
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. (NY)

Following up with my previous complaint against Experian Credit Bureau, Experian response was l did not mention specific account or other. Well, Well this is what Experian has been doing to me playing games, using stall tactics and RED TAPES to slow walks my issues, because they are cohort with the banks that reporting inaccurate information on my credit profile. I am absolutely certain that ; l sent numerous copies of my social security card, Driver license, utility bill and bank statement. Well the following accounts does not have correct information especially name and address reporting does not match my name or address ... see below Reason for Dispute : Account Numbers : - Creditors : Incorrect name XXXX XXXX Incorrect name XXXX XXXX Incorrect name XXXX XXXX XXXX Incorrect name XXXX XXXX XXXX Incorrect name XXXX XXXX XXXX XXXX  Incorrect name XXXX XXXX  Incorrect name XXXX XXXX XXXX XXXX Experian Credit Bureau reporting information that they know to be inaccurate, and failing to report information correctly, they continuously violating the FDCPA and the Fair Credit Reporting Act.
Consumer complaint received 2019-01-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc (MD)

I have been contacted by " RNN Group '' multiple times demanding the last 4 digits of my social and DOB. The calls began yesterday, they called all day and again today. My Hr Manager explained that we do not provide personal information over the phone and they proceeded to give my DOB/Social which was incorrect by the way. We have asked them to stop calling and they continue to harrass me as well as my staff. The receptionist is being bombarded with calls and they are unable to provide us with reasoning for there calls. The number they keep calling from is XXXX and you can not get a hold of anyone. When I XXXX the number I saw so many complaints about scams from these people. I have no idea why they are contacting me and would like for them to stop harassing me especially at my employment it is causing alot f issues for me here at work. I have no idea they address or who I need to contact to send a cease and dismissal to put an end to this harrasment because if they continue I will need to take legal action.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX via XXXX XXXX XXXX is stating that I owe a debt from XXXX and stop paying in XXXX Today I received an envelope from them. XXXX letter said I owed the debt and to call to settle the debt and the other letter stated it was a Default XXXX out of XXXX XXXX from XX/XX/XXXX. I did not move to XXXX XXXX until XXXX of XXXX and was living in XXXX XXXX at that time so how could I have a judgement in XXXX XXXX against me before I lived there? I called XXXX XXXX XXXX who stated that the debt was from XXXX and I stopped paying in XXXX and the debt was sent to them. She then went on to say that in XXXX I agreed to a settlement over the phone for {$800.00} of the over {$2000.00} but it did not go through. That never happened. She said I provided a XXXX XXXX XXXX  account information which I have had sitting at XXXX for years and use another bank. Ive never provided my bank information and wouldnt provide XXXX if I was going to. Then she said I was being garnished and thats why I set up the settlement but then later said I wasnt garnished and to avoid garnishment I set up the settlement. None of that ever happened. Again, this is XXXX  years after they say the debt originated. Then I was put on hold so a XXXX could listen to the conversation that was held last year and the lady came back on the phone and said it was me and how would I like to handle the account. The XXXX XXXX case number on the form is XXXX. This does not come up in public records when searched. On XX/XX/XXXX of this year I got an email from XXXX XXXX XXXX asking me how I wanted to settle the debt. If you got a judgement against me in a city I had never lived in at the time in XXXX why are you now sending me emails and XXXX XXXX letters. I believe this is harassment and borderline threatening garnishment on a XXXX XXXX XXXX account and also making up dates and arrangements to move the date of last activity date. I never received a summons to court in XXXX XXXX. Likely because its XXXX XXXX XXXX. Also, in court documents Ive seen in the past the copter does not put the case number as well as the debtors file number in the corner which makes me believe they manufactured this letter for fear tactics. I would like XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX investigated because nothing theyre saying or doing is making sense and I have never entered a settlement agreement or validated that this debt even belonged To me.
Consumer complaint received 2019-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

This is the third time I have requested actual proof of ownership, proof of contract from XXXX XXXX XXXX # XXXX per XXXX XXXX  Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX # XXXX is in violation of both FDCPA and FRCA.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MI)

On XX/XX/2019, I called the Barkclay Bank MasterCard to cancel the card prior to having to pay another annual fee. The agent convinced me to not cancel the card but to convert it to a no-fee card. The agent proceeded to tell me that I had unredeemed miles on the account and asked if I wanted to redeem them. I said yes and that I wanted to redeem them for a statement credit. The agent repeated what I said and then said he would redeem the approximately XXXX miles for an approximately {$180.00} credit. I said, yes. Meanwhile, my husband who was in the room with me said to me that wasnt right. He then took the phone and explained to the agent that we wanted a statement credit for travel expenses which is redeemed at a rate of {$1.00} for each XXXX miles versus the general statement credit which costs XXXX miles for each {$1.00} of credit. The agent said sorry but he had already pushed the button processing the credit. We then asked to talk to the supervisor who also said sorry, she couldnt change it. This was all in the same phone conversation! 

This arbitrary action cost me approximately {$180.00}.
Consumer complaint received 2019-01-03
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. (VA)

Equifax has several violations against me that I would like report..I submitted a debt validation letter to equifax ..asking for an an investigation into tje 2011 bankruptcy listed on my report ... I have been going back and forth ... and they keep telling me they VERIFIED via XXXX and so the BK will remain. 
I RECEIVED A LETTER FROM MY LOCAL COURTHOUSE ... the furnisher of the bankruptcy ( I have attached a copy ) ..who clearly states they DONT provide any information to the credit bureaus or any third party vendors. EQUIFAX IS IN VIOLATION ... THEY DID NO INDEPENDENT INVESTIGATION ( automated XXXX XXXX is NOT acceptable ) .FURTHERMORE ... .THERE IS A CONSUMER FILE FREEZE ON MY XXXX ... .so how was this validated!!! THE FCRA states that consumer reporting agencies must correct or delete unverifable information. This complaint to you will be my first step ... but this is a violation and IS ACTIONABLE
Consumer complaint received 2023-11-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Several months ago I realized I could not edit alert settings for my Capital One credit cards online. I called the company and the representative had me try different things such as clearing cookies. He finally said they would look in to it and get back to me. I changed my password that day just in case. As of today 's date, XX/XX/2019 I have not heard back from them. Today I again tried to access the alert settings and received a pop up that I got a screen shot of and will attach. I changed my password again today. I need to know why I can not access that part of my online account and if it has been compromised.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2019-01-04
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: EQUIFAX, INC. (MA)

I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my XXXX   pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.