davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OK)

I was contacted by Credence resource about accounts with XXXX and XXXX and XXXX XXXXXXXX and a debt that isnt mine I asked for the original contract with my signature which they did not provide they sent a letter typed up with a squiggly line that is not my signature I did not sign a contract nor did business with credence resource management and I would like items removed from my credit report attached is a copy of contract with credence resource management which I did not sign a contract with resource and also there is a copy of XXXX which is not my signature
Consumer complaint received 2024-02-18
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 (TX)

In accordance with the Federal Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1881 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( A ) ( 2 ) it also states a consumer reporting agency can not furnished an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of 15 USC 1681B - Account with Global Lending Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Global Lending Services for their inaccurate reporting of a paid-in-full charge-off on my credit report. I believe this action is in violation of the Fair Credit Reporting Act ( 15 USC 1681B ). The details of the account in question are as follows : Account Information : Account Name : GLOBAL LENDING SERVICES Account Number : XXXX Account Type : Auto Loan Responsibility : Joint Date Opened : XX/XX/XXXX Status : Paid, Closed. {$2500.00} written off. 
Status Updated : XX/XX/XXXX Original Balance : {$32000.00} Balance : - Monthly Payment : - Terms : 73 Months Despite the account being marked as " Paid, Closed '' and a charge-off amount of {$2500.00} written off, it has not been removed from my credit report. This inaccurate reporting is adversely affecting my credit score and financial standing. 

I would like to bring to your attention the Fair Credit Reporting Act, specifically Section 604, which states : 15 USC 1681B - Permissible Purposes of Consumer Reports ( a ) In general Subject to section 1681b of this title, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe -- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; and ( B ) has certified to the consumer reporting agency that -- ( i ) the consumer report will be used for a permissible purpose ; and ( ii ) the consumer report will not be used for any other purpose. 

I am requesting a thorough investigation into this matter and the immediate removal of the inaccurate information from my credit report in accordance with the Fair Credit Reporting Act. I believe that such action is necessary to ensure the fair and accurate representation of my credit history. 

I have attached supporting documentation, including proof of payment and closure of the account. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (PA)

I have an Amex platinum ( {$22000.00} credit limit and have had since XXXX ), Amex everyday card ( $ XXXX limit ) and an Amex Blue credit card ( {$6600.00} credit limit ) with American Express. I received an email that the platinum card annual fee is increasing from {$250.00} to {$350.00}. On XX/XX/XXXX I called American Express to discuss the benefits of my cards and their annual fee. The I told the original customer service representative that I am unable to use the benefits of the platinum card and can not justify paying the annual fee which is now increasing to {$350.00} when I renew my card in XX/XX/XXXX. I asked about increasing the credit limit of the other two AmEx cards & the representative advised I could transfer up to {$20000.00} of the platinum credit limit to the other two cards. I told her I wanted to transfer the entire {$20000.00} credit limit to my Blue Amex card ( no annual fee ) and cancel the platinum card. She put me on hold and when she came back on the line she advised she was transferring me to an Account Manager ( name unknown ) who pressured me to keep the platinum card. I spoke to this person for over XXXX minutes and repeated told her the same thing I told the first CSR, that I can not justify paying the platinum annual fee when I am not or can not use the benefits. The account manager ended up canceling my card, when I asked about transferring of the credit limit to the Blue card she said she could not do it because she already canceled the card. I asked to speak to a supervisor and was connected to a XXXX who advised the original CSR did not transfer the credit limit and did not inform the Account Manager that I wanted to transfer the maximum credit limit to my Blue card before canceling the card. XXXX advised her department could not fix Amex 's mistake and placed me on hold while she connected with the original customer service rep 's dept. I spoke to to see if they can fix their mistake. While on hold, XXXX hung up on me. I called back and spoke with a XXXX who advised there is nothing they could do at this time, they would need to review the calls and someone will give me a call back within XXXX hours. I was given a reference number of XXXX XXXXXXXX. I told the original CSR I wanted to transfer the maximum credit limit to my Blue card and to cancel my card, my request was not only not granted but had to speak with an Account Manager who pressured me to keep the card. It's Amex 's responsibility to fix their mistake. I have excellent credit and by Amex not transferring my credit limit of {$20000.00} it will have a negative impact on my credit score. My credit score will impact many things such as interest rate on loans to make decisions on whether to offer you a mortgage, credit card, auto loan, and other credit products and insurance rates.
Consumer complaint received 2024-02-17
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: BARCLAYS BANK DELAWARE (GA)

My credit card was delivered to the wrong address and the individual managed to create a unique login and use the card for {$200.00} worth of fraudulent activity. I needed to get a replacement sent out to an alternative address because Barclays failed to utilize the delivery services appropriately twice ( third time I had the card sent to alternative address ). 

Barclays assured me I would not be liable for the charges but now, months later, I receive a notice saying Im responsible. This will lead to a small claims court case if not properly handled.
Consumer complaint received 2024-02-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (FL)

The debt verification letter was sent via certified mail and required a signature from the debt collectors address and no response was received from the debt collector within 30days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/year> Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SCS Account Number : XXXX Original Creditor : XXXX XXXX XXXX Dear Sir/Madam , I am writing in response to your collection regarding the above-referenced account. I am requesting that you provide me with detailed verification of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 
I dispute the validity of this alleged debt and request that you provide the following information to verify its authenticity : The name and contact information of the original creditor to whom the debt is allegedly owed. 
The original account number associated with the debt. 
The amount of the debt and the date it was incurred. 
A complete itemization of the debt, including any fees, interest, or other charges claimed to be owed. 
Copies of any documents that establish my liability for this debt, including but not limited to : a. The original signed contract or agreement. 
b. Any statements or invoices related to the alleged debt. 
c. Any agreements authorizing the assignment or sale of the debt to Sunrise Credit Services. Proof that you are licensed to collect debts in Florida and that the statute of limitations on this debt has not expired. 
A complete history of the account, including all payments, charges, and credits applied. 
Please note that this request is not a refusal to pay but a request for validation of the debt pursuant to the FDCPA. I am exercising my rights under the law to ensure that I am fully informed about this matter. 

Until such time as you provide the requested information, I request that you cease all collection activities, including but not limited to contacting me by phone or mail, reporting to credit bureaus, or pursuing legal action related to this debt. 
Please send the requested verification documents to the address listed above within 30 days of the date of this letter. If you are unable to provide the requested information, please confirm in writing that the debt is not valid, and that you will cease all collection activities. 
Failure to provide the requested verification within the specified time frame will result in my assumption that this debt is not valid, and all further collection efforts must cease. Any attempt to collect this debt without validating it violates the FDCPA. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

This is stemming from a call I made to Capital One on XX/XX/XXXX asking about a balance transfer request I made for {$6000.00}. In this call the Cap One rep advised me the transfer was sent to an incorrect account number and told me she would cancel the original request and I could submit another request. I sent another transfer request at the instruction from that representative. After this call Capital one posted a balance transfer of {$6000.00} to my XXXX XXXX XXXXXXXX account sent on XX/XX/XXXX from Cap One and posted to the XXXX account on XX/XX/XXXX. Then on XX/XX/XXXX Capital one sent ANOTHER transfer request without my authorization, doubling the amount I asked them to transfer. This extra {$6000.00} was sent from my Cap One account on XX/XX/XXXX th and was received at XXXX on XX/XX/XXXX. XXXX XXXX XXXXXXXX sent the excess $ XXXX transfer back to Cap One on XXXX 
Capital One has not credited this amount back to my account and the reps I speak to keep telling me some one is looking into it and will call me back. My balances have not been corrected and no one has called me back. I spoke to XXXX at Cap One on XXXX  and was told I would be contacted in two days, no one called. I spoke to Supervisor XXXX XXXX ID XXXX on XX/XX/XXXX and was told I would be called by XXXX no one called. On XXXX  I spoke to supervisor XXXX XXXX ID XXXX who was very rude, did not listen to my inquiry, spoke over me, would not transfer the call, and hung up on me! 

TO this day my balances are still not corrected due to Capital One 's mistake. This is not a small mistake this is literally THOUSANDS OF DOLLARS!!
Consumer complaint received 2024-02-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

Penny Mac Mortage- SCRA -ServiceMembers ' Civil Relief Act I filed to get my interest rate with this company and they denied my request with military orders starting XX/XX/2024, where they are title 10, 400 days long and I closed my loan on XX/XX/2024. They denied my request to lower it from 7.135 % to 6 % which is against the SCRA. I been contacting them back and forth and they have not done anything to help me fix it and bring the rater to 6 % and keep denying it when it is clearly against the law. I am currently in the XXXX XXXXXXXX XXXX XXXX I was told by command that this is not right and they arent abiding by the law thus for my reasoning by my complaint.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (FL)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (CA)

On ( XX/XX/2024 ), I sent a letter to ( CCS COLLECTIONS ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( CCS COLLECTIONS ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XXXX  ), along with an updated FTC identity theft report.
Consumer complaint received 2024-04-16
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. (MI)

Experian has been reporting fraudulent information on me for years. Normally, I would dispute the inaccurate information and request for an investigation. However, they have went even further by reporting false criminal information on me. This false and unauthorized reportings have caused me to lose multiple jobs. I have disputed the criminal information repeatedly. I have made police reports after police reports. Yet, the still report the information as though its been verified. The XXXX XXXXXXXX arrests totaling 3 different occasions.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (FL)

I Opened a claim on XX/XX/XXXX under the claim number XXXX XXXX credit was given but after 4 weeks that credit was reversed. 
I sent a letter explaining the situation and also the invoices to the bank on XX/XX/XXXX by fax to the number XXXX XXXX XXXX. 
I called today XX/XX/XXXX to know the reason for denial and they have a wrong address on file, I checked with my online banking and there shows a correct address. 
They sent documentation to the wrong address and because they didnt receive a response for those document they denied the case. 
Attached goes a screen shot of my address on my online banking which is the correct one.
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

I think the company is scamming me, I requested that they give me information about my case, send money to another account ( mine ) and they only tell me that the money has already been received, then they said that my bank rejected the transaction and today they told me again that the money had already been collected. 
I have researched this case and hundreds of people are going through the same thing. The company is ( Money Gram ). I remember that in one of the recorded calls, an assistant told me that my bank rejected the transaction, that they had nothing to do with it
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This notice serves to alert you that you are improperly reporting an unauthorized inquiry on my consumer report. I have not authorized you to access my credit profile, and there is no legal basis for you to contact third parties and obtain my private information.
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CA)

I recently received a call from the Credit Bureau of America ( CBA ) claiming I owe {$450.00} from a citation I thought I had already paid. ( I had paid for animal licenses but as I had paid the licenses a little tardy I had incurred a late fee for which I was unaware ). 

The license was originally {$15.00}, the late fee and admin fee an additional {$30.00} that was not apparent on the XXXX XXXX XXXX XXXX website when I paid for the license ( the website is very difficult to sign in to to locate your account if you do not have the ID they allocate to you ). I had called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay the license fee initially but as it was during the covid lockdowns and the XXXX  was not fully staffed I did not receive a call back. The voicemail also said they were waiving license fees at that time. 

Months go by and I am receiving what I thought were spam calls from the CBA as I do not believe I am owing any money. In all this time I also do not receive any written communication notifying me that there is mounting interest on my account. I do receive a letter telling me I can pay {$100.00} for a licensing amnesty, but as all my pets are licensed I believe this is in error. 

Finally on XXXX XXXX XXXX XXXX, I pick up a call and speak to someone who says they are from the CBA and I owe money to the XXXX XXXX XXXX XXXX for citations. I'm shocked and contact the City to verify this and appeal for a dismissal. This is denied. 

I am stunned at the underhand money gouging tactics of the CBA and the XXXXXXXX XXXX XXXXXXXX XXXX. I do not believe they attempted to provide me with adequate context or information before levying this substantial fine. If I had believed I owed them money it would not have taken me 4 years to take action!
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022