davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX and XXXX of 2023, I went on a XXXX XXXX. There was an issue with my sail and sign card giving me an error code of XXXX. I went from machine to machine and sometimes it worked fine and other times I received the error code. What I didn't know was every time I received the code, I was being charged. I showed 3 attendants at XXXXXXXX what was going on and they did know what the code meant. When I showed them the error code I was charged XXXX, just for showing them what was going on. I received a print out of my charges and on the 1st day and 2nd day of the cruise I was charged around XXXX to XXXX. Its that did not make. I went from customer service to casino and they printed out a report that said I had charged it. I told them to look at the surveillance video and they would be able to tell what was going on. No one at XXXX or XXXX XXXX  XXXX would listen to me and they never would allow me to view the surveillance. I called XXXX XXXX office from the ship and the lady said she would look into it. A few days later the holds were lifted off of my account so I thought everything was good. As soon as I leave the ship they put the charges back on my accounts. I have several credit cards on file with XXXX and they were all charged the fraudulent charges and all of the cards keep putting the charges back on my accounts. Then I will call them again because XXXX keeps sending them the paperwork that says I charged that much. They will not send the surveillance which is what is needed. XXXX XXXXXXXX allowed them to go over my credit limit by XXXX and they are refusing to adjust. I have been back and forth with them all and I am getting no where. This has been going on since the XXXX of XXXX in dealing with XXXX and I have been dealing with my credit cards since XX/XX/XXXX. Nothing is being resolved and I did not make those charges. My credit rating has dropped dramatically and no one will help. This is unfair and I want justice.
Consumer complaint received 2023-11-02
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)

I called all 3 reporting agencies XXXX, XXXX and Equifax!! 
I told them I lost my wallet and sent Police reports!!! 
They have not removed XXXX XXXX  from the account and history!! 
Creditors respond to me, Stated that they see XXXX XXXX  name on all 3 major credit reporting agencies, credit report even while they telling me they are not there!!!! 
This is unfair to tell me deceiving lies and destroy my credit report when I have sent the police report to all 3 reporting agencies!!!!

Proof of unauthorized use and I lost my wallet and not one of these banks closed the account and issued me an another card with my refund Stated by FDIC LAWS
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, Trans Union XXXX XXXX is reporting false harmful information on my credit report. They are reporting 8 missed payments with no dates from XXXX XXXX XXXX XXXX. I spoke with a representative at XXXX XXXX XXXX XXXX they are not aware of any missed payments everything is in good standards with no missed payments.
Consumer complaint received 2024-05-28
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. (LA)

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 2023-08-27
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: Bread Financial Holdings, Inc. (MN)

These accounts and inquiries are not mine they were made without my permission, consent, inquires. COMENITY BANK XXXX Inquiry : XX/XX/XXXX, XXXX. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

LVNV has not provided an original service contract and is Reporting Revolving Accounts And Collections to my SSN including but not limited to XXXX, XXXX and XXXX causing etensive damage in the middle of me closing on a home. This burden will place me and my 3 children without a home thus becoming homelessness.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

REMOVE THIS ACCOUNT ITS BEING REPORTED INNACURATELY. I HAVE REQUESTED THE 1099C AND NOONE RESPONDS.

15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in perso FST PREMIER XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1900.00} {$1900.00} {$1900.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1900.00} {$0.00} {$1900.00} Credit Limit : {$1000.00} {$1000.00} {$0.00} Past Due : {$1900.00} {$1900.00} {$1900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
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. (GA)

XXXX XXXX XXXX Accouunt Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, Trans Union and XXXX is showing XXXX late payments on my credit report. I contacted XXXX XXXX about the dates which they can not provide because. my account is in good standards. They can not have any dates of the late payments
Consumer complaint received 2024-05-28
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. (AL)

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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for and received a credit card from Bank of America. I never used the card. Now they keep sending paying other creditors for balance transfers I never requested because the creditors they are sending the transfers to had already been paid off and I had a XXXX balance with the creditors. Despite several calls and that I have documented proff that the creditors being paid with the transfers were already paid off ( I have provided dates, check numbers, transaction numbers to show I did not have a balance with the creditors so the transfer were unnecessary and never requested, they keep saying that I might be liable for the transfers and also the transfer fees. I now have credit balances with the creditors they sent the transfer payments to which shows that I did not owe the funds and would not have need to request the transfers but they still say I may be liable for the transfer plus the fees. I even called them when I was alerted via email that the transfers had been requested and were in the pending stage and told them that I never requested the transfers and gave them proof the funds were not owed but they refused to cancel the transactions when they were in the pending stage and now seem to wan to charge me for the transfer fees and the transfers. I have uploaded my proof that the accounts had a XXXX balance and did not need a balance transfer. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-08-27
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. (CA)

XXXX has provided me with a long over due 1099-C evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next 3-days. After I will file complaints with FINRA, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The Constitution.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

I am writing to file a complaint against American Express regarding the closure of my credit card accounts. On XX/XX/2022, I requested a hardship modification from American Express due to financial difficulties I was experiencing as a result of the COVID-19 pandemic. However, on XX/XX/2022, American Express closed both of my credit card accounts without any prior notice or explanation. 

At the time of the account closures, I had not missed any payments on my Platinum account. I later discovered that American Express claimed that I missed a payment, despite the fact that I had called in to set up a manual payment from a different account to ensure timely payment. 

In addition, I was charged an annual fee after the account was closed, and despite requesting a full accounting of the charges on my account, I never received any response from American Express. 

The closure of my accounts has caused significant financial harm to me, exacerbating the financial difficulties I was already experiencing due to the COVID-19 pandemic. I have been unable to secure financing for my investment property and have encountered other credit-related problems as a result of the negative impact on my credit score. 

I believe that American Express violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

Under the FCRA, creditors are required to provide consumers with a notice of adverse action before taking certain adverse actions, such as closing an account. The ECOA prohibits creditors from discriminating against applicants or borrowers on the basis of race, color, religion, national origin, sex, marital status, or age. If American Express closed my accounts solely based on an unrelated drop in my credit score, they may have violated the ECOA. 

In addition, American Express may have violated UDAAPs by failing to provide me with a full accounting of the charges on my account and charging me an annual fee after the account was closed. 

I would appreciate it if you could investigate this matter and take appropriate action against American Express. I have attached documentation to support my claim, including copies of my payment records, credit reports, and correspondence with American Express
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

This is my third and final attempt to get exact and accurate validation of this alleged debt account. I requested a full account audit and proof of ownership ( purchase agreement ) and there has been no transparency. Resurgent Receivables LLC is reporting inaccurate and false information. There is no debt owed. The false misrepresentation to collect a alleged debt not owed by presenting account statements. It is my right to request proof of validation and Resurgent Receivables LLC is non compliant. There is no debt owed. If proper validation was done this would be no issue, please provide proof of validation and purchase agreement. The purcahse of a debt not owed is illegal with proper validation this would have been spotted.
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NJ)

The company FAMS has withheld my XXXX Benefit formerly known as the NJ XXXX rebate as well as my New Jersey tax return. I was contacted by the fore mentioned collection company with a letter dated XX/XX/XXXX regarding an outstanding balance of {$16000.00}. The letter specified that I agreed to make payment arrangements with this company. I never agreed verbally or written notice to make any scheduled payments to this company and immediately notified my lawyer to contact the collection company on my behalf. Since my lawyer 's XX/XX/XXXX letter to this company, FAMS has not made an attempt to verify the debt as requested by the law firm. 

This year the Division of taxation mailed XXXX notices dated XX/XX/XXXX which indicates the collection agency has withheld my state refunds. I immediately contacted my lawyer regarding the matter and the law firm sent a second notice dated XX/XX/XXXX to the collection agency requesting they verify the debt. FAMS was in receipt of the law office 's letter on XX/XX/XXXX. To date FAMS has refused to respond to the XXXX and XXXX notifications sent to their office. I contacted the XXXX XXXX XXXX XXXX XXXX New Jersey on XX/XX/XXXX to inquire if any judgements were filed against me due to changing residence in XXXX of XXXX and possibly unaware of any notifications due to the move. The court clerk confirmed there was no " XXXX XXXX XXXX '' found in their system against me from FAMS. The court clerk also completed a state wide search and nothing was found. She also explained their database could confirm information from several years prior and there was nothing found in their database from XX/XX/XXXX to the present date. 

I also contacted the XXXX XXXX XXXX XXXX ( current county of residence ) immediately after contacting the XXXX XXXX XXXX XXXX and they as well confirmed there were no " Money Judgement Suits '' filed against me. 
FAMS is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) due to falsely indicating that I agreed to set up a payment arrangement with them in their XX/XX/XXXX letter. The collection company is also in violation due to not responding to notifications sent to them to attempt to resolve the matter. Lastly the collection company is in violation due to withholding monies due to me such as my State Income Tax Refund and XXXX Benefit without properly filing judgement with the Superior Court of New Jersey. 

I am requesting this company 's practices as well as this matter be investigated and action be taken against this collection company to receive monies due to me as well as their payment to me in the amount of {$1000.00} for violation of the FDCPA.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.