davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

18 USC 8 describes obligations of the U.S. Coupons are on the list as obligations. Senate Document No 43 73rd Congress pledges to pay FRN in exchange for government obligations. UCC 3-104 also describes coupons as legal tender. I submitted coupons as money orders payable to Discover who refused payment. According to UCC 3-603 failure to accept payment means discharge of debt. Even though they acknowledge the law regarding credit balances on their statement under credit balances where it states any positive balance is money owed to the customer, ( 15 USC 1666 D ) they closed my account because they claimed I owed them money.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXXXXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 2024-01-20
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 XXXX Account # has violated my right 15 U.S.A.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!

Attached is a document from The United States Bankruptcy Court that states they do no report this information to the three bureaus so how is it that this information is reporting to my credit report.
Consumer complaint received 2024-01-20
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. (AR)

I received dispute results on XX/XX/2024 from Equifax stating that we verified that this item belongs to you for The Bureaus ( XXXX ) and XXXX XXXX management ( XXXX ). For all 3 CRAs, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is a violation of 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt bearing my signature in wet ink, method of verification, as well as proof of your authority in this matter. Otherwise delete this information from my credit report immediately. 

On my Equifax report, XXXX XXXX XXXX ( XXXX ) is showing on my report as a collection account, late 120 days, with a past due balance of {$820.00}. I see several violations including : 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports, 15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information, 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy, and US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus. Please delete this account immediately.
Consumer complaint received 2024-01-20
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 contacted XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, Equifax, XXXX, XXXX XXXX  XXXX , XXXX XXXX  and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information .

I have not gotten a response from this company and they continue to report my personal information to third parties.
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I recently looked at my credit report, and I noticed an account on my report that should not be on there with a negative  mark. 

I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - Paid in settlement. {$7600.00} written off The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 
I demand complete removal of the account as a XXXX XXXX and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$1600.00} ACCOUNT number XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPEN XXXX XXXX ( XXXX ) XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$1700.00} DATE OPEN XXXX XXXX These 2 accounts do not belong to me please remove them from my credit report. And also please send me out a update credit report.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX Capital One reversed all charges from XXXX  XXXX that I had disputed and provided letter from a doctor that my membership be put on hold/canceled due to XXXX. There were 7 transactions of {$36.00} and one of {$49.00} that was reversed. XXXX  XXXX kept charging my card even After I provided letter from doctor that I was high risk XXXX a d couldnt work out. So I disputed my charges and it was still reversed after i provided all necessary information. Thank You
Consumer complaint received 2023-04-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Ria Envia, LLC (MD)

I signed up with Ria Transfer online on XX/XX/23 and successfully made an international transfer and was able to download the confirmation details. Less than a week later I attempted XXXX more transfers ( to the same and additional recipients ) and XXXXne was successful but delayed by 3 days and two were declined for no reason, including a payment to the recipient who successfully received the first payment. I contacted Ria Customer Service via " chat '' and was told the " Order Verification Department '' had cancelled the transfers. I asked for the reason ( XXXX ) why but the agent was unwilling or unable to tell me. Therefore I had no way of " fixing '' what was wrong. 

Later I received messages from the Ria system saying " All orders are subject to review by our third-party fraud service, and they flagged this order as suspicious. '' These transfers were NOT suspicious. I have used XXXX to pay this same recipient almost 100 times over the past 2+ years. And, the recipient had successfully received a payment via Ria less than a week before. This blacklisting of me and my transferee is unfair and I want to know what I can do to hold Ria accountable for this. 

I am now unable to access my account to print out the details of the successful transfer. I have included attachments with the details. I can understand if Ria doesn't want to do business with me- trust me, the feeling is mutual and I hereby pledge that I and any company I work for will never use Ria or its parent company XXXX XXXX XXXX XXXX. But they need to either allow me to access my account to download the details of the second successful transfer or send it via email. I have called twice and the representative said he was " emailing '' the fraud department and I should have my access restored but it was a lie - nothing has been done. 

Ria 's customer service is beyond pitiful and I hope anyone reading this pauses before using any of their services. It may appear to work but don't count on that continuing and once you have a problem they will leave you high and dry. Thank God for CFPB.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022 I submitted a written letter to the following XXXX XXXX XXXX XXXX asking them to stop reporting the Bankruptcy listed on my credit report. 
I received a letter from US District Court that stated they do not release any information related to my bankruptcy. 
I then requested that Transunion, XXXX, and XXXX reframe from listing the information on my credit report. No response and they failed to remove it. 
On XX/XX/2022 I submitted a CFPB complaint requesting that this be removed and no response please remove the listed the bankruptcy on my credit report.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

Inaccurate information / education on how payment is being applied to interest and principal, respectively. No notification regarding ineligible payment toward PSLF for unnecessary forbearance from XX/XX/XXXX. Payment amounts being allocated to other loan principles while neglecting lowest balance, highest interest rate loan. Was told payment amount must cover interest accumulated, which it appears it does, and should not be applied to principal on other loans while allowing interest to accumulate. Can not answer why this is the case. Unclear/confusing information regarding accumulation of interest and balance reflected on loan regarding SAVE plan. Unable to provide planning advice regarding monthly payment amount and plan while evaluating PSLF options. Customer service representative went silent and hung up on XX/XX/XXXX when no longer able to clarify information or answer concerns, after waiting almost two hours for a callback. Always conflicting information and varied levels of customer service, ranging from acceptable to very poor.
Consumer complaint received 2024-01-20
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. (NY)

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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I ask to delete a charge off that was on my credit reports for near 7 years. But I paid XXXX credit card two years ago in XXXX. It was deleted from XXXX but only updated to XXXX now but did not delete it. When my letter stated two years ago that if they cashed my check that it would be deleted from credit reports. They cashed check but never took them off reports. I disputed it and was taken off XXXX but updated it for XXXX and Experian. So I ask to take it off all reports of my credit reports. Has it very unfair to stay on my credit reports since it was paid.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IL)

Hello. I bought two pairs of shoes from XXXX  on XX/XX/XXXX for {$280.00}. I returned both shoes back around XX/XX/XXXX or so. I was able to receive the refund of {$140.00} on XX/XX/XXXX but was missing the other half of it. I waited and waited but did not see anything so I decided to dispute the remaining {$140.00} with Chase. Chase gave me a credit but long story short, they rebilled me the charge after some time saying that it was valid. Ive open multiple disputes and spoke with the dispute agents and did what they told me to. The last agent told me to be SPECIFIC about my request because the dispute center kept denying it. I returned a size XXXX  shoe and was successful with the refund on XX/XX/XXXX. However, I am still waiting on my XXXX shoe to be refunded and XXXX has stated they issued a refund on XX/XX/XXXX but Chase reversed the claim. So now I have no shoes and a charge of {$140.00} on my card that I had to pay because chase thinks its valid even though I provided them evidence. This is ongoing and I was about to give up but I wanted to try this first.
Consumer complaint received 2024-01-20
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. (AR)

I checked my credit report on XX/XX/year> and I noticed unauthorized inquiries on my behalf. I was a victim of the Equifax data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Deposited my check and they told me it would be available next day, then they put a 7 day hold on it for verification and refuse to help me in any way since theyre holding all money I have no funds to pay bills or support my household.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (CO)

I recently was offered a XXXX XXXX XXXX with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

1. One Main Financial- {$2300.00}, showing as a current charge off. 
2. XXXX XXXX- {$6700.00}, showing as a current charge off. 
3. XXXX XXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY ()

As per my American Express credit card statement with Closing Date XX/XX/XXXX, I had to pay a minimum of {$40.00} by XXXX XXXX. On XXXX XXXX, I submitted a payment from my bank. Unfortunately, the bank did not process the payment until XXXX XXXX. Nonetheless, I have been informed in the past by support staff at American Express that they go by the date that the payment was submitted and so in theory I should not have had to pay any late fee. 

However, as per the Statement with a Closing Date XX/XX/XXXX, I received notice that I am supposed to pay a Late Payment Fee of {$29.00} plus Interest Charge on Pay Over Time Purchases of {$2.00}. This is for an outstanding amount of only {$82.00}. This is altogether a fee of 38.5 %. 

This would seem to clearly go against the rule of the Consumer Financial Protection Bureau that limits such payments to {$8.00} per month [ SEE CFPB Bans Excessive Credit Card Late Fees, Lowers Typical Fee from {$32.00} to {$8.00} announced on XX/XX/XXXX. Accessed XXXX XX/XX/XXXX at XXXX : XXXX ] I called American Express Customer Service XXXX XXXX XXXX and spoke to an agent. I questioned the charges and I specifically invoked the CPFB rule. Even after the agent spoke with his supervisor, there was no movement on the side of American Express. I informed them that I would be forced to submit a complaint to the Consumer Financial Protection Bureau and would probably terminate my account with American Express as a result of this treatment but this made no difference at all.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.