davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates Disclosed my debt and personal information directly to a relative of mine that I live with. I used the card of a relative to pay a debt they received verbal authorization to charge my relative card and all was good until they sent out a letter with my relatives name about my debt all of the creditors information. It is my understanding under law collection agency can not share debt to anyone besides me why does that change after Ive settled my account with them.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (IL)

I have an open account with Nordstrom since 2017. Unfortunately, there were some times that I fell behind due to a financial setback when I was in college that resulted in late payments. Despite this challenge, I diligently managed to catch up. However, I have discovered that this account is currently reflecting as negative account activity on my credit report.

This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request Nordstrom to remove the damaging information from my reports. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing. People do deserve a goodwill or second chance. This is unfair that this information has to linger for years.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXX XXXX {$25000.00}
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NY)

TD bank took home equity out without my permission. I was writing check on due date. XX/XX/XXXX they received two payments wont stop taking automatically and wont use extra payment toward different month. XXXX and home equity loan in deceased husbands name. I was told I dont have to pay home equity because in his name. I paid house off recently in XX/XX/XXXX. Paid for name on deed in XXXX XXXX XXXX passed away in XX/XX/XXXX. Even though I paid for deed and had durable power of attorney told my lawyer by message that husband passed deed was signed XX/XX/XXXX so waste of paying lawyer. The holidays messed up the deed happening and lawyer took too long. If I dont have to pay home equity I dont want to. Only XXXX no social security cant find out if his evil daughter took his life insurance. As a wife I need pension have to wait until XXXX. I took care of spouse for 3 years front XXXX  XXXX. I never got paid law wont. {$400000.00}. Literally XXXX hours a day. He was my husband best friend wish he protected me. I thought he had will he said he did. He told me and his mean family he wanted me to have the house. I need advice and help for free lawyer free food. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

I am trying to close a Citi account. I have been given the run around for an hour and when they said they couldn't close the account they gave me another card. I feel this is quite illegal. I spoke with XXXX and many others. I was transferred to customer care and still nothing. There was one run around after another. I can not cancel this card. Please contact Citi because this seems highly illegal
Consumer complaint received 2024-07-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MS)

Im XXXX XXXX XXXX and received orders to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior to my lease being up in my apartment at the time. I worked with my landlord and provided them with my XXXX XXXX orders for the XXXX  ( gave at least 3 months notice ) and ensured the apartment was well taken care of the entirety of my residency there. I had renewed my lease once while I was there and loved it. Still, I moved out, gave them back my keys, bought a house in the new state I moved to, and everything was fine. About a year later I see theres a collection on my account and it says its from XXXX XXXX  my old apartment complex for XXXX XXXX I reached out directly to the complex because I had always been in good standing with my landlord, never caused issues, and kept my apartment nice. The receptionist basically gave me no information and just said to mail them a check for the XXXX and gave me their address. I said I wanted an itemized receipt of what this was for, Im not paying money I shouldnt owe. I paid my last months rent before moving out and turning in my keys as well as them doing a move out inspection. There was nothing noted for a whole year and nothing stated wrong at the move out inspection. I thoroughly cleaned the place and it was just me living there. Im an extremely clean and tidy person. They said it might be due to remodeling the apartmentI again said I wanted an itemized receipt and XXXX not paying this as thats unfair. I wasnt even sure I could dispute this. Was given no information other than a simple you have to pay this or else. At no point did they mention that disputing was an option, they just sent it directly to a collection company who I was never contacted my in the first place. I had to find the name from my credit report. They have never responded to any of my inquiries for what exactly ( itemized ) the debt is for not how or that could dispute. This just seems wrong and its ruining my credit and my life. I cant even apply for housing if I inevitably move because XXXX XXXX. I had to explain this due to my secret clearance as well and have been unable to renew a clearance. Ive lived in apartments for years before getting my current house where I now reside and I have never been delinquent with a landlord for rent or anything of the matter. Im at a loss on what to do to rectify this.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (OH)

On XX/XX/XXXX National Credit Systems NCS was added to my credit reports as a new collection collecting on behalf of XXXX XXXX XXXX XXXX. XX/XX/XXXX I requested an itemization of debt which was given to me via email. XX/XX/XXXX I attempted to pay debt via banking information. XX/XX/XXXX payment reversed. XX/XX/XXXX filed complaint with Ohio Attorney Generals Office due to confirming that I did not have a balance when I moved out of XXXX XXXX XXXX. XX/XX/XXXX the response to the Ohio Attorney Generals Complaint from National Credit Services only spoke on the reversed payment. XX/XX/XXXX I sent an email to NCS requesting a Bill of Sale, proof that they have the legal right to collect this alleged debt. XX/XX/XXXX another complaint was filed with the Ohio Attorney General because after 30 days I still never received a response to my request for Bill of Sale. But again, NCS response to the complaint only spoke about the reversed payment. I moved out of XXXX XXXX XXXX  in XX/XX/XXXX and had no balance at my move out time and there are no eviction civil records with XXXX XXXX Ohio stating I owe a balance to XXXX XXXX XXXX. I feel this is fraud and I'm requesting this be removed from my credit reports. This is extremely negatively affecting my credit. 

NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX NCS Account Number : XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX, PORTAFOLIO RECOVERY, Has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC 1666B : A Creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica (OR)

On XX/XX/XXXX I checked into the campfire hotel in XXXX Oregon. I was charged {$490.00} which included two nights stay as well as {$100.00} deposit for incidentals. 

On XX/XX/XXXX, unbeknownst to me at the time, a charge appeared on my card from XXXX XXXX  for {$900.00}. 

On XX/XX/XXXX, I checked out of the hotel at approximately XXXX XXXX Upon returning home, I checked my account only to find out that the {$490.00} charge was not on the transaction history of my account but instead the {$900.00} charge as well as an additional charge for {$120.00} and one for {$410.00} both charged on the XXXX of XXXX. The {$410.00} was eventually taken off and refunded. 

While in the room there were three snack items that the {$100.00} deposit I initially left with them should have covered and I accidentally took a towel. Once finding out about the excessive charges of {$900.00}, {$120.00} and the {$410.00} charge I contacted the hotel which initially refused to give me a receipt for my stay. They told me that the sheets were dirty and there were cigarette butts on the floor. I left that room exceptionally clean and I'm extremely offended by their fabricated claims. They refuse to refund me the money they erroneously took out of my account while I was staying there. If they're so sure I caused damage to the room then why did they charge me before I even checked out? I am XXXX XXXX and XXXX  XXXX which was obvious during check-in and I am on a limited income through SSA every month. They have severely cause me damage to my ability to take care of myself for the remainder of the month.
Consumer complaint received 2024-07-21
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

Filing a formal complaint against Fair Collections and Outsourcing Inc. for placing an unauthorized collections account on my credit report. Recently, I received notifications from all three major credit bureaus indicating that this entity has reported a collections account under my name. I have never consented to any debt collection practices by this entity, nor have I entered into any agreement that would authorize them to report a debt on my behalf. In addition, not only did they give inaccurate information in reference to the address but the address given is for a state they are bonded to engage in debt collection activities or to report collections accounts to the credit bureaus. Their actions have caused me undue stress and XXXX coupled with damaging my credit standing ( XXXX XXXX ) This constitutes a clear violation of my consumer rights along with potential violations of state and federal regulations governing debt collection practices. Because of this, I will be seeking compensation in the form of monetary and non-monetary ( Removal of unauthorized reported collections account ) compensation and ask that the Consumer Financial Protection Bureau promptly investigate this matter. In closing, thank you for your time and effort to resolve this matter. 

Violations : SEE 15 usc 1681s - 2b, 1692g
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Dear CFPB, I am contacting you regards Portfolio Recovery original creditor XXXX XXXX  account # XXXX regarding the reporting of this account on my credit bureau. I have been asking them to verify the debt since they are saying I owe the debt for my own validation purposes and they have failed to do so. They purchased this debt and have called my place of employment with harassing phone calls and at this point I am asking them to cease and desist from contacting me from this date forward. I am also asking that they remove the negative reporting from my reports since they have not been able to validate this debt with the original data furnisher that provides my wet signature. I am requesting that they send and attach to you the the contract because I have no idea what this account is nor when it was opened. 

By law because this was from ID theft they must delete. I am reporting not only their non ethical business practice but I need this removed. I have attached the FTC affidavit
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (CA)

A process server entered my private property which clearly states no trespassing and cameras and recording are present. He presented himself as a USPS worker and placed a Priority Mail document on my door 25 yards from my locked gate with no trespassing sign. It was not address to me or any of my residences, there was no return address so I called the USPS and they stated that they were never paid to deliver nor was it delivered by them. So since it was was not US mail I opened the package only to see they are suing a XXXX XXXX XXXX. I attempted to look up some of the attorneys listed and one of them states they are not allowed to practice law in XXXX XXXX  XXXX XXXX XXXX. I had to take my medical devices off because I thought it was a government agency the USPS only to find out they are deceiving me and it was not even for me.
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (OH)

On Saturday, XX/XX/2024, I did a {$170.00} transfer from Chime to my local credit union. The account was linked via XXXX, so it was set up correctly. 

Chime claimed they sent the transfer, but they never did. No funds were received to my credit union account. 

I filed a dispute with Chime, they closed it saying no mistake happened and they said they communicated with the receiving bank. 

However, I worked at my credit union, and I have friends who still work there. They did not contact anyone. 

Chime lies and does not send out the funds they said they do.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX acct # XXXX balance- XXXX. 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. 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 a 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. My rights have been violated and I need them to remove this account asap
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXXXXXX XXXX XXXX XXXX XXXX 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 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. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 8
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I fraudelent charge of {$2900.00} was debited from my checking account at Chase bank from XXXX XXXX XXXX. I received a text and email asking if I made this transaction. I said no. It was processed anyway. My email was also hacked, as I received an email that these tickets were cancelled. The bank returned my funds 7 days later. And now they are saying a month later since the charge came from my IP address they are taking the money back out of my account. I provided proof of the cancelled email, and the email that I said I did not do this transaction.But this was not overturned.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2024-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (IL)

MY INFORMATION WAS SOLD TO FIRSTPOINT COLL RESO DEBT COLLECTION.THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$660.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT I HAVE ALREADY FILED A FTC REPORT REPORTING THIS INFORMATION, ALSO SENT NOTICE TO FURNISHERS OF INFORMATION TO EACH DEBT COLLECTOR, WHICH EXPLAINS RESPONSIBILITIES UNDER THE FAIR CREDIT REPORTING ACT REQUIRES DEBT COLLECTORS TO PROVIDE REQUESTED DOCUMENTS RELATED TO OPENING ACCOUNTS. DEBT COLLECTOR HAVE NOT PROVIDED THESE DOCUMENTS XXXX XXXX XXXX PLEASE REMOVED THESE ITEMS IMMEDIATELY