davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TX)

I had my tax refund as well as my XXXX tax refund deposited to my Robinhood account. They refused her deposit and accepted mine, They then froze my account after they had my money. On XX/XX/XXXX they asked for a picture of myself, copy of drivers license and bank statements from the account that is attached. I submitted these documents and have proceeded to call them every day. Each time they tell me the same thing and will not allow me to talk to anyone who would have any information on the situation. They also each time ask me to submit the same forms even though they can confirm they already have them and then proceed to tell me they are sending them to there review team.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (NY)

I was contacted via mail by Calvary Portfolio ServicesXXXX XXXX XXXX attempting to sue me for a debt ( {$9600.00} ) that is past the collection statute of limitations for New York XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX ). In the letter I was threatened with wage garnishment and a hit on my credit score. Since the debt is time-barred, the FDCPA prohibits a debt collector from threatening to file a lawsuit, or threatening to take action that would require them to win a lawsuit, such as wage garnishment or bank levy. Calvary Portfolio XXXX XXXX XXXX XXXX are acting in clear violation of the FDCPA. 

The stamp on the court summons has the date XXXX XXXX, XXXX ', I'm confused on why it is dated XXXX, when we are in the year XXXX. The credit card account that I'm being sued for was opened XX/XX/XXXX. According to XXXX XXXX. XXXX. XXXX & XXXX XXXX, this is well past the statute of limitations to collect on said debt.
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (TX)

I sent your company a letter on XX/XX/XXXXXXXX  to request that you please include the additional information attached to my credit history report. As of yet, the account has not been added and I have not received a response. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. XXXX is already reporting this account. You may verify this information with the source, and I have included their contact details. Please see the referenced account below and see the attached dispute letter dated and time stamped and add the following account to my credit report : XXXX XXXX XXXX  XXXX Authorized user Credit limit {$30000.00} Open date XX/XX/XXXXXXXX  Contact XXXX
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

I cancelled my account with XXXX in XX/XX/XXXX. My last bill was not received until XX/XX/XXXX through paper mail because I was previously enrolled in paperless statements. XXXX placed late charges on my account. I called XXXX on XX/XX/XXXX to dispute the amount. I negotiated the amount to XXXX dollars and was promised by a XXXX representative over phone that the rest of the charges will be waived. This was not the case. I later received mail and email from AmSher Collections that my account was still owing money and continued to accumulate late fees each month. I called again on XX/XX/XXXX to XXXX and was reassured that the balance on my account will be taken care of by another representative. This was not the case.On XX/XX/XXXX, I received a message from the credit bureau that my account with XXXX was reported as delinquent which negatively affected my credit score. I called XXXX XXXX on XX/XX/XXXX and was told none of the prior promises was documented and voice recording was not immediately available. I have to pay all the late fees amounting to XXXX dollars. I paid the full amount but was not able to get a statement from XXXX stating my account balance is now XXXX. The XXXX representative/supervisor also can not give me any details on what happened that caused a huge discrepancy between what I was promised on XX/XX/XXXX and XX/XX/XXXX and what was documented and stated he would try to get the voice recording of the prior 2 phone calls that happened on XX/XX/XXXX and XX/XX/XXXX. I was later told by the supervisor XXXX that my XXXX dollar fee would now be waived and I will receive a refund. However, the damage this delinquency imposed on my credit score is unacceptable. I am planning to buy a home in the near future using a bank loan, this would causesignificant problemsfor me to get a loan. 

I sent communications to AmSher Collections about the disputing the amount but I did not hear back from them about the dispute result. All I received was the notification from credit bureaus about the publication of a delinquent account.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AP)

Good Morning, Im requesting your assistance in obtaining relief through the Military Lending Act ( MLA ). American Express refuses to refund me for a {$550.00} annual that I paid, stating that I am not entitled to MLA relief. Enclosures ( XXXX ) to ( XXXX ) are furnished in order to support my request. 

I applied for the American Express XXXX XXXX XXXX XXXX on or about XXXX XX/XX/XXXX and received an e-mail confirmation ( encl. ( XXXX ) ) that my application was approved. In XX/XX/XXXX, I received a monthly statement for the subject credit card ( encl. ( XXXX ) ), which included a {$550.00} annual fee. Per American Expresss MLA page ( https : //www.americanexpress.com/us/help-support/service-members-civil-relief/ ), A regular or reserve member of the Army, Navy, Marine Corps , Air Force , or Coast Guard , serving on active duty under a call or order that does not specify a period of 30 days or less, or such a member serving on Active Guard and Reserve duty as that term is defined in 10 U.S.C. 101 ( d ) ( 6 ).

Per encl. ( 3 ), I was on Active Duty for Operational Support Orders for over 30 days, from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. Additionally, I was executing this set of orders when I opened the account. At any rate, I paid the annual fee so as not to incur additional charges while communicating with American Express that I was on active duty orders. 

Since XXXX ( a few months after opening the account ), Ive been trying to explain to the card company that Im eligible for MLA relief, even providing them encl. ( XXXX ) and ( XXXX ), to validate that I was on active duty when I applied for the credit card. Nevertheless, American Express keeps rejecting my request, even though they keep thanking me for my service whenever I contact their Customer Service Department. 

In order to ensure that the error is not in my record, I contacted the Defense Enrollment Eligibility Reporting System ( DEERS ) Support Office ( XXXX ), and they confirmed that I was on orders from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, as reflected in encl. ( XXXX ). 

Please let me know if you have any questions or need additional info to resolve this matter. I look forward to your help in getting this error fixed, and my right as a servicemember restored. 

Thank you.
Consumer complaint received 2024-06-12
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: Kovo (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 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (IL)

The purpose of this claim is to make my bank accountable, or at least co-accountable, for the loss of {$2400.00} from my bank account as a result of the scam of which I was a victim last XXXX due to the events that I explain below. 
Last XX/XX/XXXX, I was the target of a scam when I received a counterfeit check, and was instructed by the sender to send XXXX through XXXX to a third person When I got the check, I deposited it with my phone to my BMO account. The deposit was approved the same day, but it took longer than usual to get posted in my account. 
Normally, previous check deposits I have made with my mobile app are available within minutes, but this was not the case so, I went to my branch the next day to have them explain why it was taking a while to appear in sign that deposit Both the teller at the window and the branch manager, XXXX XXXX, explained to me that they were taking extra time to make sure the check was valid and that it would probably be deposited firmly the next day. 
Indeed, the next day the deposit appeared posted in my account, and I made the deposit mentioned above for {$2400.00} through XXXX in three issues Only after having done that, BMO " discovered '' that the check was fake, recovered its funds and abandoned me to my fate with {$2400.00} scammed which I am waiting to be fully or partially refunded to my account. 
On XX/XX/XXXX, I went to my branch again to request in writing the return or replacement of my XXXX or a response ( in writing ) explaining the reasons why they would refuse to do so. 
XXXX weeks later ( XX/XX/XXXX ) I presented myself again to receive a response from XXXX XXXX, and her response was negative in two aspects : negative regarding the fact that BMO would not return the lost money, and also negative regarding the fact that they would not give me any written response That's why I'm now turning to you to mediate between BMO and I to reach a settlement
Consumer complaint received 2024-02-27
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: JPMORGAN CHASE & CO. (CA)

Three Hard Inquiries that I don't recognize from the following companies XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card Inquiry XXXX XXXX XXXX JPMCB Card Inquiry XXXX XXXX
Consumer complaint received 2024-02-19
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I signed up with Freedom Debt Relief and have been paying them {$400.00} a month. They have not done anything to settle any of my debts and won't respond to my emails or answer the phone now. Their dashboard doesn't seem to be working online. I started this in XX/XX/year>.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I will forego all the the details and get to the bottom line... B of A makes it EXTREMELY DIFFICULT to close a credit card account, and each day the account stays open, they are adding more interest. I made a payment on the card to bring the balance to XXXX and then attempted to close and get confirmation of closure. In searching their website, they state that you MUST call or write a letter to close the account... nothing can been done online, although many, many card issuers will allow an online request to close an account. Being totally against trying to communicate with B of A via the U.S. mail system, I called the XXXX number and navigated through the menus. Although at one time, the recording did say that call volume was high, they NEVER give an estimate of how long the wait will be for the " next available representative ''. Calls have been made multiple times, and tonight ( XX/XX/year> ), I waited online for nearly 40 minutes before disconnecting. The problem is that there is ALWAYS high call volume. There are no other options, such as leaving a number for them to call you back. This whole process is a huge hassle for the consumer, and should be illegal, especially since they will continue to charge you any fees they can! 
Bank of America needs to dramatically improve the process to close an account. Period.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-25
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear SELF / LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws under XXXX XXXX Missouri statutes . 

It has unequivocally come to my attention that SELF / LEAD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Specifically, XXXX XXXX Missouri identity fraud laws highlight the seriousness of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for SELF / LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELF / LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

All 3 credit bureaus are reporting an account with XXXX that does not belong to me. I never have had nor do I currently have an account with XXXX. 
Credit bureau account numbers XXXX. 

NOT MY BANKRUPTCY - UNVERIFIED ACCOUNT - DELETE IMMEDIATELY NOT MY ACCOUNT. Please remove from all 3 bureaus. I have sent this latter attached to them last month, asking for them to remove this charge from out account that is not mine.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

These two accounts were opened fraudulently and a debt was reffered over to lvnv funding ( aka ressurgent ). I had filed police reports and have went thru all the proper channels. On XX/XX/23 I emailed, called in ( to gather the account numbers ) & sent certified mail to thier offices. After waiting 30 days under fcra law, I contacted them again to see if theyve recieved my letters. After explaining to the agent my situation, I was put on hold, minutes later with whispering I could clearly hear on the line from most likely a supervisor standing behind him, ( I would love this phone call pulled as I know it was recorded ) I was told they never recieved my email or certified mail, and then changed their story to saying they did get my mail, and sent me a response with proof of certification. It was fraud, I proved it with police reports, but then they still wanted me to pay the debt. My rights under fcra were violated and they never removed these accounts. Its been almost 6 months now and I need this cleared up immediately. Proof of contact and a copy of the mail I sent it is attatched.