davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RICHLAND HOLDINGS, INC. (FL)

I keep getting notices from their collection agency Acct of XXXX Nevada and I have sent response letters, XXXX XXXX, XXXX, XXXX XXXX and XXXX to Acct of XXXX Nevada and all XXXX credit bureaus asking for proof it was me using the services of their client. I have asked for : 1. The copy of your agreement with Nevada XXXX XXXX which authorizes you to collect debt on the their behalf. 

2. The signed agreement from the debtor confirming to pay the debt or any document signed by me at the offices of Nevada XXXX XXXX. 

3. Any documents showing payments made on this account and validation of the amounts. 

They have not provided any information documenting it was me using the services of their client. 

Respectfully. 

XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

***Capital one***, and XXXX XXXX XXXX both closed my accounts with them in XXXX of 2024 ( see attached letters to verify ) they both continued to charge my closed account, and fraudulently reported to all three credit bureaus XXXX, XXXX, and XXXX XXXX that my account wasn't closed until XXXX, XXXX  months after the fact ; continuance of the sharing private information, alleged late payments ; which is against federal law to report late payments on an open credit plan. I have letters from both *** '' capital One '' *** and from *** '' XXXX XXXX XXXX  '' *** stating that my account was closed in XXXX, not XXXX, and ***capital One*** even states at the bottom of the letter that they ARE NOT TRYING TO COLLECT A DEBT. I have contacted both XXXXCapital OneXXXX  & XXXX XXXX XXXX showing them proof that they were and are still reporting false claims about me and sharing private information with a XXXX party. ( willfully and knowingly in violation now ) and have not received a single response. *** XXXX XXXX XXXX Although is still sending me bills with additional fees added to it. I want to prosecute both companies for consumer law violations, defamation of character, and privacy rights violations. I've made multiple complaints with the cfpb but nothing has changed, i want these goons off of my credit report, it is effecting my financial stability and growth in commerce
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (CT)

I BOUGHT INTO A XXXX XXXX CALLED XXXX WHICH WAS OFFERED BY " ACA INTERNATIONAL '', ON A SITE CALLED " POCCOIN '' I PURCHASED {$50000.00} WORTH OF COINS WHICH WAS A TOTAL OF XXXX COINS FOR XXXX PER COIN. XXXX DOLLARS, I NEVER RECEIVED ANY PROCEEDS FOR MY XXXX AND I WAS THREATENED WITH JAIL TIME AND ALSO THREATENED TO KILL ME IF HE EVER SEEN ME. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEPARTMENT OF EDUCATION/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 XXXX {$550.00} per the FCRA : AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND XXXX AUTHORIZATIONS. I THE CONSUMER HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, NONVERBAL PER 15 USC 6802.

PER THE FAMILY EDUCATIONAL RIGHTS ACT OF 1974 TITLE 12 16 CFR 313 15 USC 1681 16 CFR 33. ( 1 ) ( 2 ) ( 3 ) 17 CFR 424
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVER BANK XXXX
Consumer complaint received 2024-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (IL)

I previously filed a complaint with Acima leasing because they charged me twice. They responded to that complaint and said that one of the charges has been refunded. It is now XX/XX/scrub>XXXX  at XXXX XXXX and my money has not been refunded nor is it pending as a refund to my account. I have also filed a dispute with my bank to try to get my money.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Home Loan Center, Inc. (CA)

I have been calling the credit bureau they don't give me any information I have asked them to remove al inquiries that don't be long to me I've also asked to remove anything that I have dispute because i never had anything in my name or open account still live with my parents it still is showing in my credit report
Consumer complaint received 2023-08-12
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. ()

I called to Citi Bank, amount $ ( XXXX ) XXXXXXXX XXXX ( XXXX ) to explain them, I'm sickness ( I'm treatment XXXXXXXX and XXXX. I'm walking slowly ) I can't work for now ; my relatives provide me a room and meals free. 
Call center told me, you need a lawyer and fill it out papers. my currently address is outside XXXX. I have not money to pay a lawyer unless American lawyer. 
Full name XXXX XXXX XXXX XXXX XXXX last 4 digits ( SS ) I have been Hard Worker paying my cards and keeping a good credit score. But I lived a horrible time on XXXX XXXXXXXX in XXXX. so then my body start felt weakness and I don't want to talk about! He has money and power! 

Because I can't pay by myself my debt. 
My sister drove my car, she signed a letter on notary office she is responsable for the auto loan under my name, XXXX XXXX told me, nobody pay the Auto loan. while I'm in XXXX. 

My nephew filled it out W2 on XXXX He never deposited me my REFUND. I call XXXX, and state Illinois both them, provide me tracking number my Refund was deposit on his account number XXXX XXXX. He fraud me.
Consumer complaint received 2024-09-09
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: OneMain Finance Corporation (FL)

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX ONEMAIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last XXXX  months or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have XXXX  days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within XXXX  days of completion of your re-investigation
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

In and about 2-3 weeks ago my credit monitoring service indicated a credit card company had closed my account. Upon closer examination, it turned out to be my Discover credit card. I called Discover about them closing my account and why they closed it. They informed me that it was due to inactivity. I informed them I received no notice of this action and they informed me that I should have received prior notice which I havent. The account had no balance and all prior payments were made satisfactory and never late. I requested they restore my account and they informed me that they would have to run my credit in order to do so. I feel that that was unfair and that I may report that practice. Ive had this credit card for over 10 years with no issues.
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

I am a new auto loan customer in TX, where I purchased a used vehicle from XXXX XXXX, XXXX XXXX XXXX ( XXXX ) via indirect auto loan through Truist ( XX/XX/year> ). As part of the deal, I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I have been unsuccessful in my attempts to cancel this product. First, contacted administrator to have them cancel ( XXXX ), they said they did not have my details in their system and referred me back to dealer. Called dealer ( XXXX ), the receptionist had no idea who I should speak to; was unable to assist me in getting to the right area. Finally, called my finance company ( XXXX ). Was advised that they are only the finance company and that I would have to work with the dealer to resolve. I asked if they provide any oversight of the dealerships they have a relationship with and was told no. I advised the representative that I felt like I am being treated unfairly, where I am being charged a material amount ( cost of the product ), being given the run around when trying to cancel, I also expressed my concern to the representative that they feel they have no responsibility to provide oversight of the dealers they are in business with to confirm they are not treating consumers unfairly ( complaint number I was given : XXXX. I have no use for the product ( as I purchased new wheels/tires the same day i purchased the vehicle ). I should have the ability to cancel a product using the contact information from the contract/original deal ; I have no use for product now and further feel that the bank providing funds and making money off of the deal should have some level of responsibility in assisting in customer redress, when consumers are given the run around by administrators and/or dealerships.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Modoc Tribe Financial Services Authority (NC)

XX/XX/year> I emailed to see if they could email me a payment plan with a lower payment so I can take care of this and they can stop threatening me. I explained to them why I do not have a phone during the day. I work I. A lab and not phones are around due to confidential information. They ignore and do not respond. That is all they have to do.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MD)

To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute the inaccurate and fraudulent information currently reflected on my credit report. In XXXX I became a victim of identity theft, which has had a significant impact on my financial standing. Someone attempted to file a fraudulent tax return using my personal information, which required me to establish a special Identity Protection PIN ( IP PIN ) with the IRS to safeguard my identity. 

Since the incident, I have discovered multiple inaccuracies across all three major credit bureaus ( XXXX, XXXX, and XXXX ). These inaccuracies include, but are not limited to : Accounts I did not open that are listed under my name. 
Debts and balances from companies I have never done business with. 
Collection accounts from debt collectors I have never been contacted by or entered into any agreements with. 
Specifically, the following items are incorrect and must be removed from my credit report : Affirm Inc : Multiple accounts showing charge-offs and past-due balances, which I did not authorize or open. 
XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX : These accounts include erroneous debts, which were not opened by me, and have inaccurate reporting without my permission. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX : Collection accounts listed under my name, affiliated with debts I do not owe to any creditor. 
I also want to emphasize that none of these accounts have my hand-signed documentation as required to validate their legitimacy. I have not received any official communication regarding these debts, nor did I provide consent for the sharing of my personal or financial information with any third-party entities. 

This situation has resulted in a substantial negative impact on my credit score, which has severely limited my ability to obtain new credit, purchase items on credit, or receive loans for personal and financial needs. 

Violations of Federal Law I believe the following federal laws have been violated : Fair Credit Reporting Act ( FCRA ) : Credit reporting agencies and creditors failed to ensure the accuracy of my credit report, and despite my disputes, they continue to report false information. 
Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors listed on my report did not verify the debt before attempting collection and reported it to credit bureaus without my knowledge or consent. 
XXXX XXXX ( XXXX ) : My personal financial information has been shared without my explicit permission, constituting a breach of privacy. 
I am requesting an immediate investigation into these matters, the removal of all fraudulent and incorrect accounts from my report, and the restoration of my rightful credit score. Please contact me at your earliest convenience to confirm receipt of this letter and to provide updates on the status of this investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Consumer financial protection bureau ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unauthorized Disclosure of Personal Information Due to Data Breach and Request for Removal from Credit Report Dear Sir/Madam , I am writing to formally dispute the presence of certain entries on my credit report due to the unauthorized disclosure of my personal information, which I believe occurred as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies have a duty to ensure that the information they report is accurate and that it is obtained in compliance with applicable laws.

My personal information was compromised in a data breach, and as a result, it may have been used or shared without my consent. I did not authorize the use or sharing of my personal information, and I am deeply concerned about the potential misuse that could impact my credit report.

Under 15 U.S.C. 1681b, consumer reporting agencies are required to have permissible purposes for obtaining and reporting a consumer 's credit information. The breach and subsequent unauthorized use of my data do not constitute a permissible purpose under the FCRA. Therefore, I request that any entries on my credit report that were a result of this data breach be removed immediately.

Please conduct a thorough investigation and provide me with a detailed response. If you find that my information was used or shared in violation of the FCRA, I expect the erroneous information to be removed from my credit report without delay.

In accordance with 15 U.S.C. 1681i, you are required to investigate my dispute within 30 days. I request that you notify me in writing once the investigation is complete and the appropriate corrections have been made.

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX ]
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

I signed up for the Chase Freedom XXXX Credit Card in XX/XX/year> due to the 1.5 % cash back on purchases and a well advertised {$200.00} sign-up bonus that is still listed on their website - 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 

The offer indicates that customers who spend {$500.00} within the first three months will be eligible for {$200.00} cash back in the form of XXXX bonus points with an expected 6-8 week waiting period. I spent {$500.00} within the first month and have waited for the XXXX bonus points to show up on my account. When it did not, I called the company and spoke with two different customer service agents on XX/XX/XXXX ( today ). They have indicated that I am ineligible for this offer with no further explanation. I have not had a Chase credit card in years and appear well qualified for the offer based upon all the stipulations on their website. This is unacceptable and I'm seeing that other customers have experienced the same frustration through a quick review of XXXX posts. 

The company either needs to remove this clear false advertising ( which is luring prospective customers to sign up based upon false promises ) or pay out the bonuses that customers have earned.
Consumer complaint received 2024-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (WA)

IC Systems first made contact with me on XXXX XX/XX/year> over the phone. The law states they must provide written notification of the debt 5 days after first contact. They did not. I received a letter dated XXXX XXXX, which is well last the 5 day requirement. Furthermore, the written notification did not provide any information on my right to dispute the debt, nor did it provide any options or avenues to dispute the debt. This debt is not valid. I contacted the comptroller of Maryland on XXXX XXXX regarding this debt and they closed the account because it was not a valid debt due to my XXXX XXXX status. This company is failing to follow the laws regarding written communication and is attempting to correct a debt that no longer exists.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I disputed a transaction with Chase regarding a service I never received. chase claims they did a a full investigation but I dont agree with it. I purchased tickets to a concert that got cancelled. Chase is not crediting back my account because of rhe merchants false claims and that I need to contact the merchant. I contacted the merchant and they are saying because I disputed with bank that they can not refund me and that its up to the bank to refund me back. They also stated that I did not request a cancellation which I did and showed them the evidence email asking for a refund. Im getting a run around from both companies
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

XX/XX/year> I am not reliable for debts with LVNV funding LLC {$930.00} and {$760.00}. I dont have a contract with LVNV funding LLC XXXX they did not provide me any original contract contracts as I requested. 
I want those debts be removed from my credit report. 
I am not also reliable for debt with XXXX XXXX with amount of {$360.00} again I dont have any contract with them they didnt provide any original contract as requested. 
I want this debt be removed from my credit report.