davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FIRST PROGRESS CARD XXXX XXXX XXXX XXXX XXXX TN XXXX Dear FIRST PROGESS CARD, I am writing to address your [ letter or phone call ], as I contest the validity of the asserted debt. 

This marks the initiation of communication on this matter, and pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 809 - Validating Debts, I insist on a comprehensive written response providing the following information : 1. A detailed breakdown of the alleged debt and its origin ; 2. A clear and transparent exposition of the calculations leading to the purported amount owed ; 3. Provision of all documentation demonstrating my agreement to the indebtedness ; 4. Identification of the original creditor in question ; 5. Verification or furnishment of any judgment pertaining to this matter ( if applicable ) ; 6. Presentation of evidence of your licensing in accordance with the laws of my state, along with relevant license numbers ( if applicable ).

I am acutely aware of my rights under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is imperative that you understand : Any imposition of interest or fees is permissible only as stipulated in the original contract and state legislation. 
Your obligation to respond to this dispute is limited to declaring your intent to either cease collection efforts or pursue lawful avenues for debt recovery. 
Pursuing a judgment without adequately validating the debt will be contested in a legal forum, and non-compliance with FDCPA guidelines will be brought to the courts attention. 

I explicitly communicate my decision to record all telephonic conversations, preserve all correspondence, and promptly report any violations to the State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX 

Given that I have formally disputed this debt, any reporting to credit-reporting agencies must reflect its disputed status. Failure to adhere to this requirement violates the Fair Credit Reporting Act ( FCRA ) 1681s-2.

In the event that you do not hold the rights to collect this debt, I demand immediate transmission of this dispute letter to the original creditor for their awareness.

Concluding, pursuant to section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I assert my right to be contacted solely via official mail. Any correspondence should be limited to notification of the termination of debt collection efforts or specific actions permitted by law. 

Your adherence to these directives is expected, and I anticipate your prompt and thorough response to this dispute. 

Sincerely,
Consumer complaint received 2024-05-01
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. (TX)

I reviewed my Consumer Reports and noticed late payments on an account that I was never late on.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late.If Proof can't be provided I demand these payments be updated to on time as they should be as I was Never Late.Thanks.
Consumer complaint received 2023-02-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Consumer Adjustment Company Incorporated (CA)

I never applied for a pay day loan this loan was opened XX/XX/2022 .My formal spouse had used my information to opened a pay day loan and the only reason I found out was through my credit account I dont want my credit affected by something I did not do
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

A company named nexis, is apparently hired byXXXX, may also be XXXX, XXXX. I received a credit report from Nexis, stating I have used multiple Social Security numbers, and I have a judgement, against me. They also use a credit score, that isn't accurate, for my current credit score, history. I reached out to XXXX, and they said that what NexisLexisRisk solutions is reporting is not on any of there reports. I spoke with 2 people at XXXX, and they stated there report, credit reports, for me, does not have any of this information, that NexisLexisRisk solutions is reporting against me. As for dates, the first report from NexisLexis Risk S, was on XXXX, then there was one today, when I applied through the XXXX app, for a dental loan, both reports are the same, that I'm using multiple Ss numbers, liens, judgements. My bank is now reporting something odd, that I possibly filed for bankruptcy, which that has never ever happened.
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/18 I attempted to log into my Kohl 's charge account, in order to pay my bill current. I received a message " System is not available. '' I could not locate my card. I called the customer service number to gain access to my account, and was told I could not have access to SEE my billings or to verify what I owed until I brought my account current. I have a right to SEE my bill, before I pay. They refused to allow me access to my billing account. I then asked what I owed to bring my account current. The amount stated was {$110.00} questioned that amount several times, stating I didn't want to make a payment not yet due, just the amount to bring the account current TODAY. Kohl 's employee refused to tell me the truth stating that I had to pay amounts due on XX/XX/18 in order to be current today. I sated that was erroneous, and he refused to give me the correct information. He also stated that the federal credit and collection laws do not apply to Kohl 's. I asked for a manager, ) who eventually gave me the information I asked for, {$62.00} was due to be current today. I asked for the identifying information of both employees. Kohl 's repeatedly calls my phone, without leaving messages, sometimes calling back immediately, when it goes to voicemail. I have asked them MANY times to not call repeatedly, to leave a message, and informed them that I can not take calls during work. Yet they refuse to stop their harassment. They use misleading and false representations of amounts due, harassment, and continue to illegally call people who are at work when asked to stop. I was behind in payments due to XXXX XXXX, and was making every attempt to become current, and they blocked me from doing so, as well as refused my right to see my statements and account billings.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I have tried on several times starting on ( XX/XX/XXXX ) to obtain my credit report from Experian due to inaccurate information in my report and, to this date ( XX/XX/XXXX ) I still have not been able to speak with anyone with Experian about getting a copy.
Consumer complaint received 2024-06-07
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. (MN)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-04-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (WI)

My father-in-law passed away and left us ( wife and I ) the house and my wife ( his daughter ) is on the quit claim deed. We requested Loan Assumption paperwork and was sent it. We mailed it back on XX/XX/2024, overnight with signature requested. Received notice on XX/XX/2024 that the paperwork was never received. Called Mr. Cooper and they sent out new paperwork and we filled it out and emailed it back on XX/XX/2024. Today ( XX/XX/2024 ) received a latter in the mail saying that they didnt receive some paperwork so I called and they said that the paperwork needs to be signed by the seller ( which is my father-in-law ) who is deceased. Not sure how a dead man can sign paperwork. I have talked to the VA on multiple occasions and they informed me to file a complaint as Mr Cooper is not following the VA guidelines, which is what I am doing now.I have talked to multiple people at Mr Cooper and get different answers. Never get the same answers and can't talk to anyone in the assumptions department. I was told that they ( assumptions department ) don't talk to customers. I have proof that the paperwork has been sent in 4 times now.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Forster & Garbus LLP (NY)

On XX/XX/XXXX, I sent a letter via email to Forester & Garbus LLP who claiming to be a lawyer for XXXX XXXX XXXX. Stating that per the FCRA as a federally protected customer. I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal nonverbal as per 15 USC 6802. This is effective immediately and indefinitely. Also the account mentioned above that you are trying to collect on has been charged off and according to the Internal revenue service, charge offs is considered a certificate of indebtedness which means it is now income. Income is not to be reported on a credit report please remove. You are in violation of my privacy right under the Privacy Act of 1974.

Also this company is known for reporting incorrectly to credit bureaus XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX you are committing securities fraud PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934.
Consumer complaint received 2024-05-01
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. (WA)

I took a look at my credit report and noticed some inaccuracies. It is hurting my ability to obtain credit. It is my understanding that you will investigate the account to ensure maximum accuracy. 

Account : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-12-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harley Davidson Financial Services Inc (GA)

notice errors reporting to consumer report and provided the company with this information via certified mail along with a NOTICE TO CURE. HARELY DAVISON CONTINUES TO REPORT LESS THAN 100 % ACCURATE DATA WICH IM ENTITLED TO RECEIVE 100 % ACCURATE DATA. ALSO THIS ACCUNT IS MORE THAN 120 DAYS UNCOLLECTABLE AND IS NOT CHARGED OFF. AND REPORTING LATE PAYMENTS. LASTLY, A NOTICE OF INTENT TO DISCHARGE DEBT HAS BEEN SENT
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VEROS CREDIT, LLC. (GA)

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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

XXXX XXXX : I have no accounts with them but there is an hard inquiries on my Equifax credit report. XXXX XXXX : I have no account with them but there is an hard inquiries on my Equifax credit report. XXXX XXXX XXXX XXXX never heard of this company before but there is an hard inquiries on my Equifax credit report
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below, and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (FL)

Hello! I received this gift card from XXXX in the amount of {$300.00} for XXXX in XXXX. My mother in law purchased the prepaid gift card at XXXX, and loaded {$300.00} onto it. However, the funds were stolen from the card on XX/XX/XXXX in a series of transactions at XXXX XXXX in Oklahoma. I went to use the gift card and there was a total of {$4.00} on left out of the original {$300.00}. At the time that the funds were used /stolen- the card was safely stored in the house and had never left the original packaging. I attempted to call XXXX XXXX XXXX and they requested personal information which I refused to give them. Upon doing a quick XXXX search their name comes up multiple times in a fraud situation and funds are frequently stolen from these cards.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (MD)

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Phone : XXXX I am XXXX, and these people are buying up all my old debt and threatening me. They have another case against me with a debt I do not owe I keep filing that dispute, but some kind of way you guys are ignoring me about that one. I am XXXX I do not have any funds. Why are they allowed to buy old debt? I do not owe these people anything.
Consumer complaint received 2024-05-01
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. (MI)

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 information is inaccurate.
Consumer complaint received 2024-05-01
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. (MI)

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 information is inaccurate.
Consumer complaint received 2023-05-02
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-07-05
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. (VA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF INTERIOR XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (PA)

I applied for a {$75.00} " Extra Cash Advance from Dave Inc via their app on XX/XX/XXXX, which I received on the XX/XX/XXXX. I pay a $ XXXX service fee to Dave to be eligible, along with submission of application of proof of my income source and pay schedule ( which is SSDI XXXX ). 

There is an additional charge for the loan, and I signed off on a settlement amount of {$83.00}, and a settlement date of XX/XX/XXXX. ( I didn't realize the settlement period was markedly shorter than past loans ) Unfortunately, my account is currently in the negative and when they started submitting auto-debits to my account on the XXXX, I submitted a written revocation of authorization to auto-debit my account and Informed them I would settle manually via their app on pay day, in the coming week. They not only ignored this request, they have sent over 14 autodebits to my account over the last 3 days, despite my repeated requests to stop accessing my account. They have gone as far to respond and tell me it is in their right to continue to debit my account unlimited time per day, until they successfully recoup the {$83.00}. I believe this is a harrassing way to recover a debt, particularly since they were made fully aware of my pay schedule prior to the advance. Additionally, as I intend to pay them manually, I don't believe they have the right to ignore or deny my written revocation of account authorization. I have supplied documentation to my bank, asking them to dispute all further debits and I have not been charged any fees. For {$83.00}, Dave has shown predatory behavior and have caused tremendous stress.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. ()

1. When I logged into my online CITIbank credit card account in XX/XX/XXXX, I noticed that my credit card was suddenly closed without notice. I called CITI Bank to inquire about the closure, and was informed, that because I reside in XXXX now, they closed it. Up until this point, I have used the card regularly and was never late with payments. There was no reason to close it. 
2. The card has not been used since XX/XX/XXXX ( due to closure ), and the minmum payment has still been made punctually through automatic payment each month. Chronologically the balance has decreased, and thus, the monthly minimum payment has decreased in accordance. 
3. This month ( XX/XX/XXXX ), despite the continued decrease in balance, the minimum payment has increased. When I called the customer service, the representative could not assist me as to why this is, and just read the charges to me like a robot. She said she will file a complaint, without providing written/email evidence to me about this complaint, even when I asked her for confirmation about this internal complaint. 
4. I can not access any credit card statements of this closed account anymore, although I am still paying on it. I have a personal loan with Citibank, which I can access. The existence of the closed account is visible on my online account, but I can not view the statements that would explain these unusual charges...? 
5. Since I can not get solution-oriented assistance from CITI Bank , regarding the above mentioned issues, I hope for help from the cfpb.