davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report, and the accounts listed below are showing incorrect data on my experian credit report. I have paid these accounts in full/ and was not late. 

XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX -XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX -XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2023-06-10
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-08-08
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My XXXX XXXX XXXX mother underwent XXXX to remove a XXXX in her tongue followed by XXXX weeks of XXXX. She has been in horrific pain from the XXXX therapy to her tongue and neck. The number XXXX XXXX medicine for oral mucositis ( XXXX lesions/bleeding, pain ) is benzydamine. It is not available in the XXXX because young people OD on it. I paid a premium to order this medicine from XXXX on XXXX. It arrived in the XXXX on XXXX. It sat in customs for over a week. I asked XXXX to assist with getting the package to me ( as XXXX 's advised ). They refused. 
The package finally arrived on XXXX. My mother desperately needed this medicine. I opened the box to find only shattered glass. No medicine. All of the bottles had been smashed with glass particles and fragments everywhere. 
I called Capital One to dispute the charges. I also faxed them pictures of the mess of shattered and broken glass in the box. 
Capital One confirmed they received the faxed pictures of smashed glass bottles. ( See faxed confirms attached ) My mother continues to be in horrific pain. I placed XXXX order on XXXX that was never received. I used XXXX. XXXX reversed the charges. I placed a second order on XXXX without paypal. This box was finally received but the glass bottles were smashed. XXXX XXXX initially reversed the charges. 
On XXXX, I received a notice from Capital One that the case was closed in favor of the XXXX because the package was delivered. There was never a question that a package was delivered. I faxed pictures to XXXX XXXX on XXXX that proved the product I ordered was not received, only shattered glass was in the box. 
I have had to spend another FIVE+ hours trying to get my money back as my XXXX XXXX XXXX mother is alone in the hospital in HORRIFIC pain. 
I called XXXX XXXX  and spent hours on the phone yesterday. They refuse to refund my money. Told me to send all my documentation again! 

Note the phone number is incorrect in my record and I can not change it. It should be XXXX or XXXX
Consumer complaint received 2024-08-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (AL)

My name is XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, AL XXXX tel. No. XXXX I have CDs, joint account, with XXXX bank located at XXXX bank, XXXX XXXX XXXX, NY XXXX, this is my second complaint against XXXX XXXX bank, I am a non white XXXX citizen, over XXXX XXXX XXXX. 
XXXX bank is illegally, based on the XXXX of my skin, deducting interest calling as backup holding. 
I am informing under Oath and under penalties for perjury that I am NOT subject to either Federal backup with holding or state of Alabama with XXXX. 
Based on the above, XXXX bank must immediately add all the amounts, illegally with held, to my CD accounts.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (FL)

I have recently reviewed a copy of my consumer credit report and I noticed that I had a fraudulent account. I am referring to the account from Monterey Collection SVCS with account number XXXX. Please remove this account from my report IMMEDIATELY because I did not authorize them and I do NOT recognize them. I have never entered into an agreement or a contract with Monterey Collection SVCS which makes this a fraudulent account, inaccurate reporting to my consumer profile and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for ALL forms of communication from Monterey Collection SVCS to cease and for this account to be deleted. 

15 USC 1692 sec 805A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer
Consumer complaint received 2024-08-08
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: TRUIST FINANCIAL CORPORATION (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-08
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: JPMORGAN CHASE & CO. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

XX/XX/year> I received a major derogatory through XXXX remarks alert from my XXXX  send by this collector SUNRISE CREDIT SERVICE opened XXXX Status Date : XXXX Payment Status : XXXX XXXX XXXX ( Collections ). Which I'm not aware of any owned debts. I XXXX THEM. CALLED THEM TO REPORT THIS WAS FRAUDULENTLY SPOKE TO THEIR FIRST REPRESENTATIVE THAT HANDS UP I MY FACE BECAUSE I WAS ASKING HER TO VERIFY WHOM THEY WERE COLLECTING THE DEBT FOR. CALL BACK AGAIN ASK TO SPEAK TO THE MANAGEMENT AND ASK AGAIN WHO THEY WERE COLLECTING FOR WHICH SECOND REPRESENTATIVE TOLD ME IT WAS FOR XXXX XXXX XXXX I TOLD THEM THAT THIS WAS A FRAUDULENTLY DEBT I LIKE TO SPEAK TO A MANAGEMENT WHICH THEY REFUSES TO TRANSFER ME. THEY TOLD ME THAT SHE WAS BUSY I TOLD THEM I'LL WAIT THEY HAND UP ON ME THE SECOND TIME. THIS DEBT IS FRAUDULENT.
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

I had a tree fall through my house, made a claim and insurance sent over a check for {$23000.00} and I mailed it to my Prmi mortgage XXXX and they received it XXXX. It was supposed to be in the mailroom for up to 72 hours then reviewed for up to 6 to 8 business days then sent back to me through the mail. Supposedly it was put it in usps but with no tracking on it, because their policy is they don't need tracking on anything under {$45000.00}. It's now lost in the mail and hurricane season with a hole in my ceiling and a XXXX  in the house. So now I have to go through the whole 3 month process again and hoping that they can get the check out to me this time.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mandarich Law Group, LLP (FL)

I spoke with one of your agents, " XXXX XXXX '', today at XXXX XXXX EST. I called in regards to my account which I received a wage garnishment today from my employer and I was calling to make an arrangement to hopefully stop the garnishment and I asked what my options were. He stated that " your company doesn't make arrangements with garnishment accounts because you make more money by allowing the garnishment to continue and my only option was to pay the balance in full. '' I said you're kidding? I have never heard of a company speaking to a consumer in that manner. I have worked in Compliance at a collection agency for over 10 years and know that your agents can not " threaten '' consumers such as myself. I asked to speak with a manager, he said there are none, I asked to speak with an assistant manager he said there are none, I asked to be transferred to another employee and he said " you can hang up and call back ''. 

That type of customer service is astounding. In the business you all are in, you deal with consumers that are already in a difficult place and for an individual to attempt to take advantage of someone in that state is disgusting. 

Given the call experience I had with XXXX and in accordance with the FDCPA which is governed by the CFPB, I demand {$2000.00}. Due to the two violations of the act. You may contact me on my cell phone below or mailing address.
Consumer complaint received 2024-08-06
Product: Credit 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: JPMORGAN CHASE & CO. (MD)

I rented an XXXX XXXX for XXXX in XXXX XXXX XXXX FL. 
I used my chase credit card. 
I paid the first payment of {$2900.00} on XX/XX/year>. 
I paid the second payment of {$3000.00} on XX/XX/year>. 
On XX/XX/XXXX at XXXX the ceiling fell through in XXXX of the bedrooms while we were sleeping. 
I contacted XXXX XXXX  immediately after the incident and the hosts at XXXX. 
The owner of the home who is a XXXX host reached out to me and stated they would provide us with a full refund, and will allow us to finish our stay as long as they can fix the ceiling while we were there. We agreed. I have this conversation as documentation. 
I came home and contacted XXXX who stated they would not honor what the host had promised because the host was not answering their inquiries about the refund. 
This is the response from the XXXX XXXX  : I've given her a XXXX deadline. Should she remain unresponsive, there is nothing I can do, and I can only take this as her refusal. 
And then they closed the case. 
I contacted chase and filed a dispute. 
Chase contacted me today and denied my dispute. The chase representative told me it was denied because the host wrote full refund and not the actual dollar amount and because my cc information was not provided to the host to process the refund. The chase rep also told me the dispute was not valid as a quality issue because we completed our stay. I told her i wasnt disputing our stay because of a quality issue i was disputing it because i was told by the hosts i would be receiving a full refund and i have not been fully refunded. The chase representative told me that there was nothing else she could do for me. 
The host had my cc information already from when i booked the property and stating full refund is representative of the dollar amount.
Consumer complaint received 2023-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (WA)

First Financial Asset Management is attempting to collect a debt from someone ( myself ) who did not incur the debt. I've attached their response letter and am putting this complaint into the public record. 

First Financial Asset Management is attempting to disparage my reputation and credit history by attaching someone else 's debt to me. Their response letter clearly indicates they think I am the " XXXX XXXX '' they are looking for, but I am not. First Financial Asset Management 's actions clearly indicate the haphazard behavior that the debt collection industry employs, and they should be allowed to harass and villainize and innocent party such that they have in this instance. 

If you are a state attorney general looking for proof of bad actor activity by the debt collection industry, feel free to reach out to me ( XXXX ). I will work with you, and present proof of my claims, unlike First Financial Asset Management.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santander consumer USA. Has reported to an inaccurtae credit file and discrepancies to my credit profile. They have reported repossession and have sold the vehicle and are reporting a very high charge on my credit profile. And has yet to mail any proper documentation. My credit profile has been reporting {$14000.00} since 2016
Consumer complaint received 2024-08-06
Product: Credit 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: JPMORGAN CHASE & CO. (CO)

On XX/XX/year>, an XXXX charge for {$2400.00} USD showed up on my Chase freedom credit card. I disputed the charge because I do not shop on XXXX and requested a new card number. The charge was refunded by Chase while they investigated the charge. On XXXX, the charge showed back up on my card. When I called the fraud department at Chase, they said that they contacted XXXX and because they have my name, my address, the old credit card number and a tracking number for a XXXX XXXX, that they determined that this was a legitimate charge. I told them that I did not order a XXXX and that it is not logical to purchase a XXXX XXXX for {$2400.00}. They opened the investigation again and told me to file a fraud claim with XXXX as well. I eventually was able to file a fraud claim with XXXX but they would not give me any details about the account that supposed is under my name. Now I am waiting
Consumer complaint received 2024-08-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NJ)

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023 I submitted a dispute to Experian because there was something on my consumer report that I did not recognize. I was asking for Urgent Deletion of Inaccurate and Incomplete Information on My Credit Report. It has been well over 30 days and no response from Experian.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CA)

15 U.S.C. 1692g - Validation of Debts : Your company failed to provide me with proper validation of the alleged debt within the required time frame. 
I demand that you promptly provide me with the necessary documentation to verify the validity of this debt, including details of the original creditor, the amount owed, and any relevant account information. 
0. 15 U.S.C. 1692c - Communication Restrictions : Despite my explicit request, your company continued to contact me regarding this debt without providing the required validation information. 
I insist that you cease all communication related to this debt until you have fulfilled your obligations under the FDCPA
Consumer complaint received 2024-08-01
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: Bread Financial Holdings, Inc. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above.

Thank you for your immediate attention.
Consumer complaint received 2024-08-01
Product: Credit 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. (CO)

I contacted Dell Commenity Bank in XXXX of 2023 concerning an inaccuracy in my bill. They resolved the matter by adjusting the bill by approximately {$2000.00}, leaving a {$400.00} balance I did not owe ( see XXXX XXXX XXXX ). I contacted them several times, explaining that the plan they are charging me for is for items that have been returned. Providing multiple documents showing the returned items. Even with the proof, they insist the charges are mine, and the billing is correct. They then go on to say that credits that were given were given based on two reasons : 1 ) at the time of the return, I did not select returning the shipment fee, which is not an option to select 2 ) the credit was given based on the contingency that I would pay the next months bill which was not true thus causing the reversal of the credit. In XXXX, I noticed that one of the plans that had a {$87.00} balance ( see the first plan in each bill... there is not original date or purchase but you can see that there is a decrease in the billing until XXXX where a significant increase occured ) had increased to a {$420.00} balance... again I disputed this and again I received the same boiler plate letter and denial. I am convinced they are not investigating this matter but instead hoping I give up. With this, I've decided to only pay off the correct plans. They responded that they have disclosed how my payments are allocated even though I have given specific instructions on how my payments should be applied.