davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

My family and I got approved for EHAP ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. 
The company paid for our rent for a year starting at that date. 
We owed back rent starting in XXXX of XXXX, they paid that amount forward. 
Our lease ended in XXXX of XXXX. 
We were told by XXXX XXXX we could renew our lease in XXXX of that year and theyd keep paying. They started sending checks for our new lease XXXX of XXXX. 
Our documents say that EHAP paid up until XXXX of XXXX. A case worker that we were working with claims EHAP only paid up until XXXX of XXXX. 
On XX/XX/XXXX there was an accident involving a car belonging to my family member. Around noon, our car was moved unlawfully, and nasty statements were made from staff. An event report was filed. 
My family member reached out to the management company of XXXX XXXX about them towing our car, and how they had been treating us. XXXX XXXX is who manages XXXX, we spoke to a XXXX XXXX. She did not take any responsibility for her staff. 
On XX/XX/XXXX, we received a Advance of Lease Termination and told us we could not renew our lease with the complex. 
They then took us to eviction court on XXXX XXXX and my family and I won the case. 
We were told to vacate by XXXX XXXX per them not wanting us to renew our lease. 
On XX/XX/XXXX we turned in our keys in the office and the manager then said she was going to put this balance on our credit, mocking us. 
In XX/XX/XXXX of XXXX, we went back to the apartment to try and resolve the issue as we feel we do not owe the apartment any money. 
Before going inside of the office we spoke to our caseworker who stated EHAP paid our balance off completely. Now sitting in front of management for XXXX we called the caseworker and she then changed her story stating I thought you guys were another couple. We did not pay your rent for the months asked about. We have a voice memo of the conversation had. 
The XXXX manager stated the complex did not pick up our checks, they werent willing to work with us anymore at that point. 
We also got in contact with PRO COLLECT in XXXX and they could not provide us with a ledger for what was being charged. The XXXX XXXX complex could not either. 
We are hoping to have this case resolved as soon as possible. 
I do not recommended the XXXX XXXX Apartment complex to anyone as they are very unorganized and poorly ran.
Consumer complaint received 2023-11-07
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. (TX)

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 2019-07-17
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: EQUIFAX, INC. (MN)

IvetriedcallingtoverifymyidentitybecauseIcannotaccesstheonlinedisputethingforEquifaxbuttheagentsdontseemtounderstandwhatIwanttodoIdonotwantthemtotellmethestatusofmydisputeIwanttoviewitonlineIwanttounlockmyaccount
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mercury Financial Intermediate LLC (MI)

To Whom It May Concern : I am unaware of this debt. I did not have the oppertunity to dispute this debt. I did not receive proper notification of this debt, If in fact you believe that i recieved proper notification of this debt please provide the certified mail with a receipt with my signature on it stating that i received it.

Also, law 15 usc 1692c states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may NOT communicate with a consumer in connection with the collection of aby debt.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IL)

I am Im making this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEM will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

To the Consumer Financial Protection Bureau ( CFPB ), I am writing to report a violation of 15 USC 1681b ( f ), regarding the unauthorized purchase of my information by a collection agency with which I have no contractual agreement. I recently discovered that XXXX XXXX XXXX XXXX XXXX XXXX  has been attempting to collect a debt from me despite the absence of any prior relationship or contract between us. This agency appears to have obtained my personal information illegally, violating my rights under the Fair Credit Reporting Act. 

I would like for the CFPB to investigate this matter quickly and take appropriate action against XXXX XXXX XXXX XXXX XXXX XXXX XXXXor their unlawful acquisition and use of my personal information. I have not authorized any entity to obtain or use my data for debt collection purposes, and I believe my rights under federal law have been infringed upon. 

Please let me know if you require any additional information from me to proceed with this investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

This company has plase a judgement on my name, under FDCPA they had to notify me of they intentions prior to summit lawsuit, that is a clear violation of the FDCPA. I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit and remove judgement from court.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

To the Consumer Financial Protection Bureau ( CFPB ), I am writing to report a violation of 15 USC 1681b ( f ), regarding the unauthorized purchase of my information by a collection agency with which I have no contractual agreement. I recently discovered that Portfolio Recovery XXXX XXXX XXXX XXXX has been attempting to collect a debt from me despite the absence of any prior relationship or contract between us. This agency appears to have obtained my personal information illegally, violating my rights under the Fair Credit Reporting Act. 

I would like for the CFPB to investigate this matter quickly and take appropriate action against Portfolio Recovery XXXX XXXX XXXX XXXX for their unlawful acquisition and use of my personal information. I have not authorized any entity to obtain or use my data for debt collection purposes, and I believe my rights under federal law have been infringed upon. 

Please let me know if you require any additional information from me to proceed with this investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TX)

Equifax it kept asking me wrong questions and this is one services I can not get into and correct and it tell me start over And XXXX I can't get into my account I paid for and I disputed the services and never returned my money from bank
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2024, I transferred XXXXXXXX XXXX XXXX XXXX  from my Chase XXXX XXXX  credit card to XXXX XXXX XXXX XXXX with the intention of redeeming an award ticket. On XX/XX/2024, I transferred an additional XXXX points to my partner 's XXXX XXXX account for the same purpose. 

The points transfer to XXXX XXXX was not completed until XXXX hours later, and the transfer to my partner 's XXXX XXXX account remains pending as of writing ( more than XXXX hours after the transfer was initiated ). 

This is despite Chase advertising ( through its partner travel website XXXX XXXX XXXX  ) instantaneous transfer to XXXX XXXX XXXX XXXX XXXX. Additionally, Chase claims in the order summary of each points transfer that most transfers process instantaneously. It is deceptive for Chase to claim instantaneous points transfer while surreptitiously caveating that it may take an indefinite amount of time.
Consumer complaint received 2024-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Goal Structured Solutions, LLC (MA)

I requested a misconduct discharge application and was denied. They stated thank you for your message. There have been no mandatory regulatory requirements for private student loans, in regard to this subject. 

I have been approved for a borrow defense claim via my federal student loans due to XXXX XXXX XXXX XXXX XXXX XXXX misconduct, they are now closed and defunked. 

The Federal Trade Commissions 1976 rule concerning the Preservation of Consumers Claims and Defenses ( or Holder Rule ) ensures that consumers are not held to a loan or credit obligation related to the purchase of goods or services that they did not actually receive as promised. Under the Rule, schools and colleges under the FTCs jurisdiction can not accept the proceeds of a student loan unless the loan contract contains a specific term that allows the student to raise school misconduct as a defense to repayment of the loan.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

I would like the company to remove a late payment info off my report. The payment did not went through because of the bank system and I have been on XXXX XXXX the pass few months also based on the SCRA my interest rate shouldve been lowered and refunded so therefore this shouldnt be on my report.
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: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX, i contacted XXXX regarding an account that is reporting on my credit report. I sent them a letter because Midland Credit Management advised that XXXX is the original creditor. I contacted both of them requesting information ( debt validation ) that this debt belongs to me. XXXX just keeps emailing me stating that they do not own the account and to contact Midland Credit Management. Midland is only sending billing statements which is not a debt validation. I request to have signed original agreement, payment history, proof that they are able to collect in my state. Neither are providing me information and this needs to be deleted immediately.
Consumer complaint received 2024-06-29
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (MO)

Mrs BPO LLC contacted me about a debt that i did not recognize and has put a collection on my account that does not belong to me. When contacted the original creditor they stated they did not even recognize the company as a collector and there was no balance in the system for me or past due bills. When advising BPO this could affect me negativity on my credit report they advised me that they will not be updating the system until they are notified by the original creditor. This is really a mistake on both of the companies parts and seems to be a bit scammy to me. They had no interest in the emails sent to me from the original creditor stating i owed them nothing.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

Barclaycard XXXX has been inappropriately charging interest fees and violating its own terms of service regarding the processing of payments to improperly charge late fees and interest charges for months. 

The Barclaycard terms of service indicate that payments made XXXX, before XXXX XXXX. ET will be credited and payment reflected the payment will be credited on the same day, reflected in your available credit on the next day ( XXXX ), and payment posted on the next day ( XXXX ). Barclay Bank has held that payment over as late as the following XXXX, allowing for them to charge penalties, interest, and late fees to the consumer. 

The second issue is that Barclay Bank continues to charge interest fees to the customer even after the customer has paid their issued statements in full and continues to do so despite knowing that the statements have been paid in full. Further, in order to have those fees removed, a customer typically has to spend between 30 to 40 minutes negotiating with a customer service representative who has no authority to remove the fees, causing the customer to wait additional time for a supervisor to be located. It is only after the supervisor is appraised of the situation will the fees that were improperly levied be removed.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (SC)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (NM)

In XXXX I went to Conns home plus to purchase a new mattress. I received the mattress which was shrink wrapped. I was supposed to get a king size but they delivered a full size. I called the main office who set up a return ticket number. The store refused to pick it up so I rented a XXXX and took it back to the store I shopped at. They are still trying to charge me. I'm not paying for merchandise I took back. They wouldn't even exchange it and it was still unopened. They said they don't return furniture. They delivered the wrong merchandise and are still trying to charge me
Consumer complaint received 2024-06-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

XXXX. Contacted Citi via chat, phone multiple times starting in XX/XX/year> because I wanted to close my account since they would start charging fees for my account because of the balance. I tried to move money out and ran into errors and was told it was because the account is inactive and in order to activate it I needed to mail a letter to a XXXX XXXX XXXX XXXX XXXX. 
XXXX. I have XXXX in my account XXXX. The first letter, when I called a customer service rep emailed the back office claiming they did not have any additional information and ccd me. I got an email my ATM card was activated but when I called back the account was not reinstated and this email was separate. 

The next customer service rep claimed the letter was not received and I confirmed the right address and needed to send another. 

XXXX. I mailed another letter XX/XX/XXXX, overnighted with XXXX So I can track it. XXXX which showed mailed successfully. 
XXXX. I called multiple agents XX/XX/XXXX. The first individual said they will email the back office and that I can not be ccd and when I asked for a supervisor they said they would transfer me, put me on hold and hung up on me. 
XXXX. I called back XX/XX/XXXX and went through the entire conversation again even though I have at least XXXX complaints on record XX/XX/XXXX and XX/XX/XXXX and the same day, and got connected to XXXX, a XXXX. She same the same where names cant be provided of who I spoke to, that XXXX cant be CCd and they have no information on how long it would take or when my case will be reviewed. I was told a supervisor would call me in XXXX days, and the back office is XXXX days response time, and they can not give me a timeline to validate and review the account. There is also no record that I can receive on the complaints or status. I had more than XXXX complaints and there was no record of the previous contact with the back office. 

XXXX said the current call is logged and the back office emails are logged.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

i sent usps certified mail letters on XXXX, to transunion, equifax, and experian for the reporting of the inaccurate and incomplete information on my credit report, which is a violation of 15v usc 1681e ( b ). I am requesting that they be deleted from my credit report within 15 days of receipt. 

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 2023-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tromberg, Morris & Parnters, PLLC (NY)

I have called the sheriff 's office handling the collection of the unknown debt for the law office of XXXX XXXX and XXXX that is also under Tromberg , Morris & Poulin , PLLC. I gave the reference number ( the only number associated ) for this matter, many hang ups on me from this office and still get nowhere. They claim that the reference number is not their matter number and " even if it was they want more identifying information '' from me. I have no idea what this debt is ( though the sheriff 's office says it's from XXXX ) and they are garnishing my wages for it since XXXX and was opened at the sheriff 's office in XXXX. This amount was originally {$6100.00} and is now at {$3500.00}. I have no idea what this is, I attempted to contact them and find out nearly a year ago, where they then were doing the same thing and hanging up on me. None of this is on my credit report or discoverable.