davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. (FL)

Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 
You have broken law XXXX XXXX XXXX ( a ) A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

showing proof of the elleged late payment on my report which violated my consumer rights. 




THIS IS MY OFFICIAL WRITTEN COMPLAINT! 

XXXX XXXX XXXX Bank ( XXXX ) ( XX/XX/year> ) XXXX XXXX and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 

To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 

PLEASE FIX MY REPORT WITHIN 15 DAYS!
Consumer complaint received 2024-04-13
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. (GA)

I am writing to address an inaccuracy in my consumer report regarding Account Name : XXXX. Specifically, my report incorrectly indicates that I missed a payment on this account. I wish to emphasize that all payments associated with this account have been made on time, and I have evidence to support this asertion.

Under the Fair Credit Reporting Act, particularly 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of individuals ' information. Therefore, it is imperative that this discrepancy is rectified promptly to uphold the integrity of my credit report. 

I kindly request that the erroneous infomation regarding the missed payment on Account Name : XXXX be corrected without delay, and that my credit report accurately reflects my payment history. Thank you for your attention to this matter.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (IL)

On the XX/XX/2024 I applied for a line of credit through Discover it Card where after I answered the questions asked of me and provided my personal information like my name, address, social security and other personal information, I received a denial letter, advising that my credit was denied. Discover has violated my consumers right by discriminating by treating my application unfavorably based on other credit transaction under Equal Credit Opportunity Act 12 CFR 1002.7 Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant,, marital status, or any other prohibited basis. ( m ) Credit transaction means every aspect of an applicant 's dealings with a creditor regarding an application for credit or an existing extension of credit ( including, but not limited to, information requirements ; investigation procedures ; standards of creditworthiness ; terms of credit ; furnishing of credit information ; revocation, alteration, or termination of credit ; and collection procedures ). ( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. Consumer Credit Protection Act 15 U.S. Code 1691 - Scope of prohibition : ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, XXXX, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( e ) Copies furnished to applicants ( 1 ) In general Each creditor shall furnish to an applicant a copy of any and all written appraisals and valuations developed in connection with the applicants application for a loan that is secured or would have been secured by a first lien on a dwelling promptly upon completion, but in no case later than 3 days prior to the closing of the loan, whether the creditor grants or denies the applicants request for credit or the application is incomplete or withdrawn. As well as the word from their own prospectus and XXXX and XXXX form submitted to the SEC as to how consumers are Silent Investors of the company once Valuable Consideration is given which it was. Since the letter that was sent to me dated XX/XX/2024 is both proof and evidence that I have been discriminated against, you are also criminally liable. Discover Bank should resort to reasonable procedures to rectify this affair and compensate me for this use of my Securities otherwise this is and would be securities fraud since I have received NO BENEFIT.
Consumer complaint received 2023-12-07
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. (FL)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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 2024-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

On XX/XX/2024, I received a notification from XXXX stating a new collection account was submitted for {$460.00}. Upon checking, it was a debit from Jefferson Capital Systems LLC, representing XXXX. I contacted the collection company for documents, but they couldn't locate my account, insisting on my full social security number. After providing it, they still couldn't find my account. XXXX confirmed no outstanding balance, and their manager mentioned several complaints about Jefferson Capital Systems LLC using tactics to obtain sensitive information. I urge an audit of Jefferson Capital Systems LLC for its deceptive practices with US consumers. 

Also, How does XXXX accept a report without any proof? These acts destroy the US consumer. I've been building my credit for over XXXX years and I know I have to start again. This is too much for me. I can't keep accepting this to happen to me. I spent money to build my credit and with that easy ruined again and no one telling me for what?? This is unacceptable
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My information was stolen and used ; The company has invalid information and failed to do a proper investigation. This is reporting on my credit report and I want it removed off because its not my account. Im applying for a mortgage.
Consumer complaint received 2024-03-04
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 have already filed a dispute with Equifax about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter and there response to just update instead of delete the account.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I received a check from my insurance company and the check was deposited, funds were made available and then returned. When reached out to XXXX XXXX they said the funds cleared their system. Both parties are claiming they no longer have the funds but they're not in my account either,
Consumer complaint received 2024-04-13
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 A. State 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 1681 s-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 2024-04-13
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

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 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 2024-02-17
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: Global Lending Services LLC (IL)

This company has reported false information for months. I tried to dispute the actions with XXXX a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to XXXX and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or XXXX to report anything negative on my credit report. Please delete XXXX XXXX & global lending off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NC)

I am writing to complaint about the contact process at Barclays ( Barclays Bank Delaware XXXXXXXX XXXX XXXX XXXXXXXX DE XXXX ). 

I received a letter regarding a fraudulent attempt to open an RCI Elite Rewards Credit Card ( Application XXXX ) dated XXXX. The letter correctly states that my XXXX credit report is frozen. 

There is contact information about this from Barclays consisting of a mailing po box and a phone number. There is no easy way for me to contact the organization via email so that I have a record of correspondence ( they, on the other hand, record calls so they have a record ). 

It is not unreasonable for consumers to expect an email address to contact the company. Expecting consumers who are victims of identity theft to mail letter, sit on hold with a call center, and have no easy way to record their communication isn't reasonable.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I deposited a cashiers check into my chase checking account via my local branch office. It is my impression that a cashiers check functions the same as having live cash on hand. The teller at the bank informs me that my deposit has been placed on an extended hold and that when I call into customer service that I will be able to have the hold released being that XXXX will be able to verify the funds. When I called in XX/XX/XXXX I was met with opposition. I was informed that XXXX has been having issues with XXXX and that even if they did call XXXX to verify the funds that XXXX would still not be able to release the hold/funds due to limited information being provided. I feel as though XXXX does not value me as a consumer or my business. As I told the representatives, if I decided to deposit XXXX into my account of cash, would you all place that on hold for review as well? I feel as though my integrity and financial literacy is being questioned.
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. I have recently made a complaint ( complaint XXXX ) that was responded to ; however the response stated that I will not be receiving my fund or continuing service, HOWEVER early in the message it says my funds will be released for withdrawl on or before XX/XX/scrub>XXXX XXXX XXXX ...... 

SO WHICH IS IT!!! ! ... ... .ARE MY FUNDS GOING TO BE EVENTUALLY RELEASED OR ARE YOU GUYS STILL TRYING TO KEEP MY FUNDS?? once again its been since XXXX that my account was suspended an you have no proof of fraudulant activitiy, other than being suspicious of me an my cousins making venmo accounts with the sam

e address to file our taxes with SINCE WE ALL LIVE HERE ... ... .AN ( which is MY legal money ) ..... 
I even have proof of my tax forms to the irs, yet your holding my money .... WHEN WILL MY FUNDS BE RELEASED??? 180 DAYS IS ALMOST UP AN I WILL BE TAKING COURT ACTION IF MY FUNDS AREN'T RELEASED. VENMO HAS BEEN HOLDING PEOPLES MONEY AN HOPING THEY FALL OFF AN FORGET ABOUT IT, BUT IM NOT i WORLED ALL YEAR FOR MY FUNDS AN I WANT THEM BACK NOW!!!!
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (NY)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX is a consumer reporting agency, and I am the consumer in this case and XXXX has allowed SEQUIUM to commit this fraudulent reporting. 
I have the right to make sure my private information isn't shared or exposed, which is backed by 15 USC 6801 which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non-public personal information. 15 USC 1681c ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 antedate the report by more than seven years. '' This account is an adverse item that XXXX is reporting with the assistance of the third party debt collectors SEQUIUM without my permission, which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) states, " 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. '' 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures and allowing SEQUIUM To fraudulently manipulate and report inaccuracies upon my consumer report. The worst part of all of this is that I never had nor implied any contract with SEQUIUM for them to have my personal information neither do I owe XXXX, the original creditor, any outstanding balances so where did SEQUIUM steal my information from is beyond me and I need to get to the bottom of it.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC. (GA)

On XX/XX/XXXX I filed a police report for identity theft for a truck i did not purchase or sign for..Since then i have been fighting with Santander Consumer USA for identity theft. I have asked for documentation and contract on XX/XX/XXXX with my signature on them to be sent to me.
Consumer complaint received 2024-02-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I made an $ XXXX purchase on XXXX in XXXX. They went out of business and closed the card. Since then Ive paid {$71.00} toward principle per Comenity Bank and I dont know how much in late fees. They have been charging {$39.00} late fees every month bc they have no grace period and charging interest on the late fees on top of that. I told them I am willing to pay what I actually owe which would be at the most {$30.00} in principle and whatever interest is due on that amount but Im not paying their ridiculous fees. They are reporting I owe over {$200.00} which would mean I am expected to pay over {$300.00} on an {$80.00} purchase! I refuse to do that and will wait for the inevitable class action if necessary!
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (TX)

Spring Oaks LLC Capital LLC In according with the fair credit reporting act XXXX account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-02-15
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (IL)

Pro Collect representative called my work cell phone. She explained that there is a debt owed to their Client ( XXXX XXXX  ) for {$600.00}. She asked if I knew or was notified about the debt. I said no, she then confirmed my address. She then demanded that the debt be paid immediately, or I would face consequences such a negative impact to my credit report. As I tried to explain that I will not pay any debt that I know nothing about, she spoke over me about the ramifications of my decision, and then said it would be be immediately reported to the Credit Bureaus. I told her that was a clear violation of the FCRA without validation of the debt, to which she responded that I should stop talking. She kept talking even when I repeatedly asked her for any opportunity to speak. I eventually hung up on her attempting to talk over me. I know nothing about this debt, there has been no attempt to collect other this phone call I received today. The original creditor has made no attempt to contact me about this debt, therefore all I have the voice of the loud and abusive Pro Collect representative..