davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (MS)

I was advised to report this be for taking legal actions against Ollo card services. So, I am reporting Ollo because they robocalled / automated phone called with a pre-recorded message at XXXX on XX/XX/2023. I mention this because preceding court cases/ lawsuits in various courts have ruled that the calling time is to be based on the time zone of where the cellphone number is based, for which my area code is XXXXand in the central time zone. Whats really important here though is the fact that I have audio proof of a robocall phone call with a pre-recorded message in it as well as screenshots proof of of the transcript of this electronically pre-recorded message that was left in my voicemail box. I have been advised that by Ollo leaving this pre-corded message that was then, repeated to my voicemail and recorde by it is actually ol legal under federal laws, this is according to federal laws and regulations of the Fair Debt Collection Practices Act ( FDCPA ) as well as the Telephone Consumer Protection Act ( TCPA ). I have also been advised these acts, laws and regulations were designed to protect me from these time of pre-recorded robocalls, whether on my cell phone or a landline and either left as a voicemail or played to me or another person, if I/ they happened to pick up is illegal for Ollo to even do. If I need to cite these cases please let me know. Im filing this with the CFPB and possibly reporting this to the FTC, if need be. Im also exploring suing Ollo for these violations of both the Fair Debt Collection Practices Act ( FDCPA ) as well as the Telephone Consumer Protection Act ( TCPA ). Im well aware, of cases where companies like Ollo were sued and found guilty for doing as Ollo card services did and called my number with a pre-recorded mesage and found guilty in violation of the laws and regulations. Below, I submitt the transcript of the illegal pre-recorded recording that Ollo left on my voicemail. Hello this is XXXX XXXX from XXXX XXXX XXXX  please call me for any of our Ollo card service representatives today at XXXX Again, this was a pre-recorded recording left on my voicemail in violation of the FCC rules and regulations as well as Telephone Consumer Protection Act ( TCPA ).
Consumer complaint received 2024-10-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc. (GA)

I am writing to formally submit a complaint against Medical Data Systems regarding a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) through the improper reporting of my personal medical information to credit reporting agencies.Account Number : XXXX Medical Data Systems reported an account containing sensitive medical information related to my health status and treatment without my consent. This breach of confidentiality is a clear violation of HIPAA regulations, which protect patient privacy and restrict the sharing of medical information. As a result of this violation, I have experienced emotional distress, difficulty obtaining credit, and defamation to my credit worthiness.

I urge the CFPB to investigate this matter and take appropriate action against Medical Data Systems for their violation of HIPAA regulations. 

Thank you for your attention to this serious matter.
Consumer complaint received 2024-10-21
Product: Credit card — Store credit 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. (MD)

Complaint against Home Depot Credit Card Issued by Citibank Respondents : 1. Citibank , N.A .

2. Home Depot ( as Co-Brand Partner with Citibank ) Subject : Violation of Fair Debt Collection Practices Act ( FDCPA ) and Deceptive Practices in Payment Plan Agreement Complaint Summary : I am filing this complaint against Citibank and Home Depots co-branded credit card program due to misleading and unfair practices regarding a payment plan that I agreed to for my credit card account. Despite my compliance with the payment plan terms, Citibank is demanding inconsistent payments and misrepresenting my account status, resulting in undue financial stress.

I was past due on my Home Depot credit card account issued by Citibank. After discussing my financial situation with Citibank, we agreed on a payment plan in which I would make a monthly payment of {$120.00} starting in XX/XX/year>. 

In compliance with the payment plan, I made the first payment on XX/XX/year>, in the amount of {$220.00}. This was acknowledged by Citibank, and I was assured that future payments would be {$120.00} per month.

Despite the payment agreement, in the next billing cycle, Citibank demanded a payment of {$250.00} for XX/XX/year>, citing that the account was still past due. This demand was made without providing detailed information about the terms of the agreement that would justify their claim that my account remains delinquent.

Citibanks actions are not only confusing and deceptive but also make it legally challenging for me to ensure that my payments are properly applied, as I am unaware of how they are determining the past due amount.

Unfair Debt Collection Practices : Citibank is misrepresenting the status of my account by demanding amounts inconsistent with the agreed payment plan. 
I complied with the plan by making the XXXX payment in good faith. Citibanks demand for a {$250.00} payment breaches the agreement and is misleading.

Deceptive Practices & Lack of Transparency : Citibank has failed to disclose critical details about how the payment plan applies to my account balance and past due status. 
Without clear documentation of the terms, I am unable to verify how my payments are applied, creating obstacles for CFPB oversight.

Citibanks miscommunication is causing financial hardship by placing me in a catch-22 situation : I am being told that my payment plan applies while simultaneously being required to make larger payments that I did not agree to.

This raises concerns about Citibanks compliance with federal regulations on fair and clear credit practices.

Requested Relief :
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (MD)

So first I head there into M & t Bank today on XXXX XX/XX/XXXX  I went in there to discuss a negative balance that I did not put on there and did not spend that money after I provided them with all the evidence and screenshots and all possible information that I could collect to show them that I didn't make my account go negative they still proceeded to try to tell me that I had to pay the money or I would have to wait for the transaction to complete in order to you know file a refund or try to get some type of dispute started! but I got home today ( XX/XX/XXXX ) and my mother told me that I had a letter from M & t Bank and I open the letter ( dated XX/XX/XXXX ) and it's telling me that my account is actually due for closure on XX/XX/XXXX for some reason and I'm trying to figure out what's going on like is there some type of mark on my name or some type of target against me to where I can't bank with banks like a regular United States citizen I'm just confused and I find is very illegal and I'm really starting to think it's time to get a lawyer, the bank Is refusing to provide me an answer!!!! There is transactions on my mobile app that their system cant even see when they print out my transactions so why is information being hidden and im told i now have to pay? And my account is closing for no reason, why is my account being closed on XX/XX/XXXX the same day i receive invoice from my job. There's no signs of illegal or fraudulent activity on my account so why is this happening to me?
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

VALIDATION AND CEASE AND DESIST Dear Sr : Re : Name : Address : Account # : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

the ___ ___________________________
Consumer complaint received 2024-10-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TN)

On XX/XX/year> I contacted company requested a letter of validation from IQ data Interntaional following that I asked was the debt disputable due to it effecting my credit she responded no stated it was not disputable therefore I requested the letter of validation which I have yet to received. Following that I mailed a letter of validation to the company, and they have yet to responded but in a phone call they stated they received the letters and was not sending out a letter of validation. Also stated they didn't want to talk unless we were paying the debt in full.
Consumer complaint received 2024-08-29
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: CITIBANK, N.A. (TX)

After a review of my BestBuy Visa Citibank credit card XXXX statement I noticed XXXX large charges of products bought on XXXX XX/XX/XXXX {$550.00}, XXXX & XXXX XXXX {$880.00} XXXX XXXX using my Bestbuy Visa card. I have called their consumer department over the issue many times starting in XXXX. Each time the customer rep acts like I never called before. Then I received a letter in mid XXXX saying my charges were valid and they were purchased on my card and sent to XXXX XXXX of XXXX  XXXX, XXXX. I then wrote a 3 page letter explaining I did not and I do not know who XXXX is. I was provided her complete address if u would want it. My letter is dated XX/XX/XXXX. No response ever. I did send it via XXXX with receipt verification too. It was received XX/XX/XXXX. With no response by XX/XX/XXXX I contacted XXXX XXXX Consumer Help line. They showed me XXXX where I looked up Best Buy XXXX VPs I then emailed both those ladies on the same day. I heard back within 48 hours from XXXX who supports one of the Executives with Consumer credit issues. Spoke to him and emailed him copies of my letters and my notes. He stays in contact with me and says it has been elevated to Citibank for resolution. Nothing yet as of XX/XX/XXXX. I surely need assistance to get this resolved soon. My credit rating dropped XXXX points this month due to % of credit used. What more should I do? I never purchased these items. When I do buy products on XXXX I use my XXXX XXXX  XXXX  never Best Buy. I have no idea who XXXX is I looked her up and she works for a XXXX  XXXX  in XXXX. I live in XXXX XXXX. My last phone encounter with Best Buy was with XXXX on XX/XX/XXXX consumer protection # as I received an email from XXXX stating there was a letter. I could not open with any of my prior credentials. She said my card was canceled. Thats is why and my account summary reflected those XXXX XXXX purchases were ordered by me but sent to the wrong address. I explained again and she said Id get a new card in the mail. I explained I have not used my card since the fraud charges. Once again she said someone will contact u. Then as of XX/XX/XXXX nothing. Please help me.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: College Foundation, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (FL)

Since my previous complaint, the credit score went up and a month later again dropped a company called cascade capital funding hit my credit in XXXX now with another emergency physicians billing from XXXX XXXX XXXX that i visited back in 2019. Then again I went to their case management office and applied for financial assistance and filled out the XXXX paperwork. Several days later I attended an appointment there and the case management representative said everything was processed and approved not to worry. Now I called their emergency physicians office 3 was ago, gave them my information and told them that case management had processed my payment information and today they said they were waiting to here from XXXX and it has been 3 weeks since I called them and they seem not to have any information. And I told them that case management had helped me with the financial assistance request and XXXX and they have made no effort to look into that. I called case management left severL messages and still have not heard from them.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Subject : Formal Demand for Clarification of Negative Reporting Deadline Dear Portfolio Recovery Associates, This is a formal demand for information regarding my account. I require confirmation of the exact date by which you are legally permitted to report this account negatively on my credit file. As you are aware, continued reporting beyond the lawful period may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to provide this information promptly will leave me no choice but to explore all available legal remedies to protect my rights. I expect a written response with the requested details within 10 business days of receiving this letter. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-23
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: SYNCHRONY FINANCIAL (PA)

i purchased an item on amazon, it was a XXXX XXXX that charged to my amazon synchrony card {$680.00}. when i received this item it was used and NOT the item i ordered, so i sent it back. they got my item and are now claiming i somehow sent back the wrong thing, however i sent them the same item in the same box and packaging it came in. they are refusing to give me a refund and i purchased this item back on XXXX XXXX ive been in contact with both the amazon synchrony card company and amazon customer service and no one is able to help me get this resolved. meanwhile my credit is getting worse.
Consumer complaint received 2024-08-29
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: CCM Finance LLC (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

" In accordance with the Fair Credit Reporting Act this creditor ( Capital One ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (OH)

I previously disputed the following inquiries from my XXXX credit report. I received correspondence that they would delete the information from my report but theyre still reporting on my credit report! These inquiries were not initiated by me and do not belong to me!! There are also XXXX accounts being reported that do not belong to me as well, they are XXXX XXXX Bank and First Progress Card!! 

I am a victim of identity theft and would like this information removed from my report. I have tried serval times to dispute the inaccurate information with XXXX however they have failed to resolve the issue! I am also a victim of human trafficking and may I need my credit restored as soon as possible. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXXXXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 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
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unXXXX 15 USC 1681.In accordance with the Fair Credit Reporting act. 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 the information is inaccurate. 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. 
XXXX XXXX XXXX Account numbers, ( there are XXXX different accounts ) XXXX XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX