davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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: LEXISNEXIS (IL)

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 informationisinaccurate.
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Outsourcing, Inc. (NC)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2024-09-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (NC)

I don't believe I have a debt with this company. I believe this is a scam, especially with some of the threats, urgency, wording and grammar used. I've attached the email exchange. They replied to me with similar-styled responses without addressing what I asked for.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Re : FCRA Violation - Incorrectly Reporting as Deceased I am writing to formally demand compensation for the damages I have suffered as a result of Equifax Information Services LLC 's violation of the Fair Credit Reporting Act ( FCRA ). Equifax has erroneously reported me as deceased on my credit report, causing significant harm to my financial standing and personal well-being. 

( I discovered this inaccuracy on [ XX/XX/year> ], when I obtained a copy of my credit report and noticed the erroneous " deceased '' status. As you are aware, the FCRA requires credit reporting agencies to maintain accurate information, and this blatant inaccuracy constitutes a clear violation of 15 U.S.C. 1681e ( b ).

The FCRA also mandates that upon being notified of an error, a credit reporting agency must conduct a reasonable investigation. Despite my attempts to rectify this issue through your dispute resolution process over the phone, the inaccurate information has not been corrected in a timely manner, further exacerbating the harm done to me ).

As a result of Equifax 's failure to maintain accurate information, I have experienced the following damages : 1. **Emotional Distress : ** The distress and anxiety caused by being reported as deceased have had a profound negative impact on my mental health.

2. **Credit Denial : ** I have been denied credit and faced significant financial inconvenience due to this erroneous report.

3. **Financial Loss : ** The inability to access credit has led to additional financial losses, including higher interest rates and missed opportunities.

Under the FCRA, I am entitled to compensation for these damages. I am seeking a payment of {$1000.00} to cover the emotional distress, financial losses, and any other applicable damages as a result of this violation.

I expect a written response to this letter within 30 days, acknowledging your receipt of this demand and outlining your intended course of action. If I do not receive a satisfactory response within this time frame, I will pursue all available legal remedies to enforce my rights under the FCRA.

Please send your response to the address listed on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (FL)

I created a new First Horizons account in branch, and signed up for their new checking account bonus which states " Offering a {$450.00} bonus when you open a new checking account and complete the following requirements : Make qualifying direct deposits totaling {$1000.00} within the first XXXX  days '' I made a {$50.00} deposit in branch to open my account, and then a {$1200.00} direct deposit XXXX  days later. I still have not received my {$450.00} bonus as was stated in their documentation.
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (GA)

Rude and abusive. Reported a debt over 7 years old to all three credit agencies. It was a debt that was paid in 2018 by another debt collector. After speaking them I asked for an email to send the proof. She gave me the email and then blocked my email address from sending roof. This was an unfair practice
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

PayPal refunded money to a customer that paid for promotion to just scam/refund their transactions days later. The id number for transaction is XXXX transaction took place on XX/XX/year> and the customer received promotion, I have proof & multiple screenshots from the conversation that proves the customer scammed me but PayPal allowed the customer to just file a complaint to receive a refund without providing any proof even when services was done for the customer. Then PayPal continued to take money out my account putting me in the negative and saying I owed them ( paypal ) now. Under the Fair Credit Billing Act they are committing friendly fraud and I have proof of this fraud being committed. The Electronic Funds Transfer Act is used to protect consumers from financial losses caused by fraud. The customer didnt provided a legal valid reason for disputing the charge nor did they provide evidence that I scammed them and I even provided evidence of a legitimate transaction that was actually made.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected or deleted from erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I am filing a formal complaint against Amsher Collection Services for violating the Fair Debt Collection Practices Act ( FDCPA ) and inaccurately reporting information to the credit bureaus. 

I sent a debt validation letter to Amsher Collection Services months ago requesting validation of the debt they claim I owe. As of today, I have not received any response or validation of this debt, despite it being well beyond the 30-day timeframe allowed by law. 

I want to make it clear that I have no idea what this debt is, as I do not owe money to anyone. Despite their failure to provide any validation or acknowledgment of the debt, Amsher Collection Services has placed a negative listing on my credit reports, which is damaging my credit score and reputation. This is a clear violation of the FDCPA, which prohibits debt collectors from continuing collection efforts, including reporting to credit bureaus, without first validating the debt when requested. 

As a member of the military XXXX XXXX XXXX XXXX, maintaining a clean credit record is of utmost importance to my professional standing. The negative listing placed by Amsher Collection Services is not only unjust but also jeopardizes my career XXXX XXXX XXXX which can be impacted by negative credit information. I find their actions particularly egregious considering their lack of response to my debt validation request.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kehoe Financial Group, LLC (UT)

I have been contacted by Kehoe Financial Group at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX regarding XXXX parking/traffic violations in XXXX, XXXX occurring over five years ago ( XX/XX/2019 ). I was traveling throughout XXXX in XXXX of XXXX  and was in XXXX for less than 2 hours. I picked up a vehicle purchased in XXXX, XXXX, that was to be shipped to the USA. License plate # XXXX. 
The XXXX said violations occurred in XXXX XXXX in XXXX of XXXX. I was not the driver at the time. I did not even drive in XXXX ; my previous boyfriend was the driver. I HAVE NEVER RECEIVED ANY NOTIFICATIONS OF SUCH PARKING/TRAFFIC VIOLATIONS. In researching XXXX 's parking ticket policies, it indicates that the statute of limitations is 5 years. It has been XXXX  years and XXXX  months since such violation occurred. Each citation is for {$480.00} ( {$930.00} total ). 
What can I do? I am shocked about this! 
Citation # XXXX - Reference # XXXX / XXXX  # XXXX Ticket Date XX/XX/2019 License Plate # XXXX Fine : {$460.00} Citation # XXXX - Reference # XXXX / XXXX  # XXXX Ticket Date XX/XX/2019 License Plate # XXXX Fine : {$460.00}
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase has decided to close my credit card account. I have tried to request for the reason for the decision but was not provided any. Chase said its a final decision by the bank without an opportunity to appeal or review my account. I have excellent credit and a long employment history.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (KS)

XXXX and XXXX XXXX XXXX 
{$2400.00} I attempted multiple times to make payments or pay off balance but company refused to accept payments through my XXXX accredited bank that I've used for decades. 
I have screen shots of the online conversation where the offer to pay was refused.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (MS)

this is my final warning against them for violating the FDCPA, by not being license in the state of mississippi as a debt collector, breaking state and federal rules and i am demanding that the collection be deleted from my credit report and send me a check for a 1000 US dollars for damages within 4 business days or i will send this to my attorney to sue PRO COLLECT XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

I reached out to Early Warnings, LLC with the below letter and they have failed to provide me with the requested information to verify this item on my credit report. 

I was recently informed of negative information reported by XXXXXXXX XXXX included in the file Early Warning maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Ref # XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Please validate this information with XXXXXXXX XXXX and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Kind Regards, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CA)

Chrysler Capital is beyond XXXX!! This was new XXXX and I have paid them XXXX and they still want to bleed me dry over late fees of XXXX the car is paid off and the value of the car at trade in is XXXX which is nothing. This car was a lemon and went thru XXXX transmissions. I have also contacted a local lawyer that is going to represent me on contingency for this loan and the fact the car was a lemon. This loan has bled me dry and Chrysler Capital online support and over the phone has been the worst I have ever dealt with. They will just end chats and I have been hung up on! They are beyond rude and will not let me dispute and ignore me. I have dealt with so much abuse from this horrid company. I have even offered XXXX to just pay these fees and them waive the balance and call it even. I feel as if these fees are exorbitant considering I have paid them almost XXXX in interest on this car!! They have made enough off of me. I want this fixed and they just ignore my messages.I am no longer calling them to get abused on the phone and get a different story from every single rude person there. This is unacceptable. I have also sent this information with copies of messages and screen shots from Chrysler with all of the receipts. Plus online it says account past due. Which is obscene
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/year>, I sent a payment of {$50.00} to my friend, XXXX, through Venmo for a specific purpose. However, after I completed the transaction, I discovered that XXXX 's Venmo account is in collections. As a result, instead of XXXX receiving the funds, the money was diverted to pay off a collections debt. 

This outcome was not what I intended when I initiated the payment. I did not authorize Venmo or any third party to redirect my money to satisfy a collections debt, and the funds were not accessible to XXXX, which defeated the purpose of the transfer. 

I contacted Venmo customer service several times to explain the issue and request a refund of the funds, since the money is no longer serving its intended purpose. However, Venmo has repeatedly refused to return my money, stating that the payment " made it to XXXX, '' even though the funds were actually intercepted by the collections process. 

I believe this is an unfair handling of my funds, as Venmo has facilitated the diversion of my payment to an entity I did not authorize. I am requesting that the Consumer Financial Protection Bureau help resolve this issue by having Venmo return my money, as the original purpose of the payment was not fulfilled.