davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-07-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (AL)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (AZ)

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with Care Credit, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth Mark : XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I was sent a fraudulent wire From XXXX XXXX to my Chase bank account. 
It was detected as a fraud by chase bank, and they asked me if they could debit my account for the money Pending their investigation, I said okay. 

On XX/XX/2023, they debited my account for {$17000.00}. 

My previous balance in that account was {$48000.00}, Which made my balance {$30000.00} after the withdrawal from XXXX XXXX 

They sent me a check for {$13000.00}, but now they are holding the remaining {$17000.00} for over a year with no results. 

For the last year I've called at least once a week to try to get any kind of results why they holding my money, all they say they can send a priority e-mail to the money movement team because there is no number that I can call. 

This is been done at least 15 times, every time I call when I check with them they said they have no answer from the money movement team, or the closing team. 

They don't what the answer is. Two weeks ago I went down to the bank manager and had him send a letter off to the to the main person in charge of accounts. 

That supervisor e-mailed back and said they had tried to contact XXXX XXXX but they want talk to them for some reason, which is ridiculous because banks talk to each other all the time. That supervisor told my Manager to have ME call XXXX XXXX  and get an " indemnification '' letter proving that XXXX XXXX got the money Before chase bank could release my funds. 

I called XXXX XXXX  and they told me the Chase is Giving me the run around because they can't give me an indemnification letter, because they don't do that. The wire department person even asked " why isn't Chase handling this for you? " Why are they leaving it up to you to do this? '' they told me they can't give me any information or any kind of letter because I don't have an account with them. 

I've told this MANY times to chase bank and they keep telling me I have to have this letter in order for them to release my funds. 

XXXX XXXX  says there is no such thing as that letter and they could not give it to me anyway because I'm not a member at their bank even though I have a complete Copy of the fraudulent wire that was sent to my bank. 

Enclosed are the documents that I have to prove this case! 

This has been going on over a year now and chase bank just wants to wash their hands of me with no results!
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Interest rate for Shell ( gasoline credit card ) through Citibank is 27.24 % and is therefore usurious, unlawful and unconscionable. I requested this date, XX/XX/2019 by phone ( XXXX ) with a Citibank representative to lower to rate, but was unjustifiably refused. Ttoal amount / new balance is {$2100.00}. Card is closed but I am paying down the amount due.
Consumer complaint received 2024-07-05
Product: Credit reporting 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: LEXISNEXIS (IL)

I have tried to receive my credit report from LexisNexis several times this past year and I never get my credit report. They never send me any letters, no correspondence at all. I have a right to know what is on my consumer report and keeping it from me is against the law. And I like court, so keep playing if you want to.
Consumer complaint received 2024-07-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (LA)

XXXX XXXX had been calling me, my husband, and my mother for sometime, however these calls were always sent straight to voicemail as XXXX recognized them as scam calls. On XX/XX/XXXX, my husband happened to listen to one of the voicemails on his phone and called the company back. He then had me call. The agent stated I had debt from unpaid apartment charges and charges from the renters insurance company from XXXX. I stated I had left the apartment complex in good standing and have had no contact from the apartment complex requesting any further payments or fees. When asked, the agent was unable to offer me any information concerning dates of these charges. She told me I needed to submit an email request on XXXX XXXX website to receive this information. She also stated that I had until XX/XX/XXXX to pay or it will be reflected on my credit. I hastily requested the information of fees including dates using the email on the website on XX/XX/XXXX. 

Further adding to the suspiciousness of this debt claim, I had been a paying customer of the renters insurance company until XXXX of XXXX. If I owed them hundreds of dollars, wouldnt they reach out to me themselves via email or phone as they have my contact information? Instead, all the correspondence I have from my renters insurance companies are emails about auto-pay payments being fulfilled or contract renewals. 

On XX/XX/XXXX, I still had not received information requested from XXXX XXXX via email, despite collectors calling me and my husband daily. I printed a legal document requesting a debt validation and a cease of all phone communication ; communication should be written going further or will be deemed harassment. Per my research, XXXX XXXX should have 35 days to respond to this letter with requested information, or this debt is deemed invalid. No information has been received. I still receive phone calls from this debt collector. My husband, who was not even married to me at the time of this alleged debt accrual, still receives phone calls from XXXX XXXX My mother, who lives in a completely different state and had no association with my lease at this complex, still receives phone calls from XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, XXXX XXXX XXXX filed a hard hit on my credit. 

As of today, XX/XX/XXXX, XXXX has not mailed or emailed me any further information or verification of debt. They still continue to harass via phone.
Consumer complaint received 2024-07-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WV)

While attempting to payoff and close an account held by Comenity Bank, the representatives were unable to 1 ) provide a total payoff balance amount including any unbilled interest charges and 2 ) accept an amount for that total. Instead, I will have to wait until the next billing cycle to payoff the accrued interest charges ( which were substantial given the DPR was XXXX XXXX ). I should be able to 1 ) obtain a total payoff balance and 2 ) process that payment. I would also note it took considerable effort to reach a representative to get someone who could help with a payoff balance. The system buried all options for live help and required fees to make payments on the phone with representative even though the requested payment amount ( remaining balance plus unbilled finance charges of around {$45.00} ) was not possible to make online.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NY)

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2024-07-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. ()

The complaint is about Chase Bank. They refused to take information about this fraudulent activity and refused to investigate. 

Unauthorized payments were made from the savings account of my minor son to 2 different Chase credit cards on 2 different days. My son has no connection to these cards -- he is a minor and doesn't have a credit card. 

On XX/XX/XXXX, a payment of {$1000.00} was made from my son 's account, to a Chase card ending in XXXX. 

Today, XX/XX/XXXX, a payment of {$600.00} was set to pay from my son 's account, to a Chase card ending in XXXX. 

My son discovered the unauthorized payments today, and we called his bank immediately. They disputed the XX/XX/XXXX charge, put a stop payment on the pending charge, and put a block on any further payments to Chase from my son 's account. They were able to see the name of the person making the withdrawal- it was a XXXX XXXX XXXX. We have never heard of him. 

We called Chase Bank. They were unwilling to take any of the identifying information to investigate the situation. They were unwilling to investigate. They said I needed to call my son 's bank for investigation. When I pressed, they claimed that even with the name, the last 4 of the credit card, the payment amount, and the payment dates, they would be unable to find the accounts of their cardholder or do anything about it.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (CA)

I have had my Chime Credit Builder Card since XXXX with no issues. Chime claims to send balance and payment history monthly to all three credit bureau 's. I noticed on my XXXX credit report that my payment history has not been updated in 6 months ( XX/XX/XXXX ). I contacted Chime, and they informed me send information monthly to all three credit bureau 's, to contact XXXX. XXXX claimed they haven't received any information to update, and suggested I file a dispute. I file a dispute on the account with evidence account information has not been updated in 6 months. Chime 's response was " the information is correct. '' Which it is not. After XXXX I found there are multiple users with this issue. I e-mailed them, explaining the information was in fact not correct, with the screen shots, and they once again suggested to contact XXXX. They advertise that they report, when in fact, it seems they have stopped that effective XX/XX/XXXX for multiple customers.
Consumer complaint received 2023-04-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Wilber and Associates, P.C. (GA)

I received several letters weekly from Wilber and Associates that had a claim for me for XXXX of their clients : Claim number XXXX. Client claims XXXX. Indicating that I had an incident of amount owing for XXXX for an incident at a church parking lot on XX/XX/2022. There was no such incident as claimed, said I was backing out of a parking lot, and touch vehicle where they were no visible marks to warrant a { hitting care out of alignment }. I told client I did not here I touch car, nor do I see any marks to warrant a claim. No police were, called, I did not present my insurance because there nothing to report. 

I Requested a claim breakdown and pictures of damages. I did not receive pictures but claim breakdown for XXXX. XXXX work done, paint and other supplies, when there was no visible accident/incident. Car was parked, I was backing out carefully. Trying to tell this company that there were damages warrant a claim in any form. Still getting letters and sometimes phone calls which is having a mental state on me. Kindly look into the matter for me. My car has no marks to warrant such costs or damages. 
XXXX XXXX.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The account with Bank of America credit card in the amount of {$5200.00} has been on my credit report beyond the timeframe. The debt is more than 8 years old and must be removed from my credit report.
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: DISCOVER BANK (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 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

I noticed a collection being reported on my consumer report by this company with account number being XXXX. However I have never received an initial communication from this company at all which violates both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). In order to furnish information on a consumer report, a debt collector must first have verifiable information and they must verify this information with the consumer to whom it relates by first providing an initial communication or else they would violate the FDCPA. I however did NOT receive such notice making this information unverifiable and the furnishing of this information unjustifiable. I demand that this agency provides valid proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number of the notice. Additionally, I demand that they answer the attached dispute letter line by line in order to both verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states. Lastly, pursuant to 15 U.S. Code 1692g ( c ) failure to dispute the validity of a debt does NOT mean admission. How can I, the consumer dispute this alleged debt when I never received a notice?
Consumer complaint received 2024-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (TX)

I have a company called LVNV Funding  showing that I owe them {$1500.00} on my credit report and I have never done any business with this company. 

The are showing a balance of {$1500.00} An opened balance of : {$1200.00} Date opened : XX/XX/2022 XXXX
Consumer complaint received 2024-07-07
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NC)

Comenity Capital has called me numerous amount of times in the past 3 months ; Sometimes more than 10 times in one hour to be specific and everybody except for one person has been so hateful and telling me they were gon na turn me into the local police and theres been several terrible messages that Ive saved. This last guy that just called me at XXXX this morning. ( Sunday morning ). I explained that this bank was harassing me during a horrific time in my life, and he said verbatim why did I throw that on him like you did then proceeded to tell me I was lying about her death, I owed HIM a debt that he had to collect on now or I was going to face jail time. 
I have been going through a tremendous amount of personal loss ( my mother passing away ) as well as trying to retrieve things that were lost/stolen at the hospital as well as a lawsuit against the hospital for a numerous amount of reasons that the health system and Hospital, failed her. 
I have explained this to one super nice lady there named XXXX, and she was a supervisor. I gave her a day that I would call her, did and have several times I can never catch her at her office. 
So as long as they are nasty to me and say ugly words to me, yell at me, I do not feel like that is something in my best interest right now they are harassing and bullying me and mentally I can not handle much more and have told them that. Im have already had XXXX XXXXs in my life. 
I am still waiting for the girl named XXXX to contact me back. But this man as well as the two or three messages that Ive saved on my voicemail can prove just how bad the harassment and bullying have been