davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (FL)

The Collection company sent a letter for a collection that is repeated on my credit report twice ( this collection company is not listed ) and they are in violation of the law and my right. The collection is stated as a collection and another account twice on my report! I requested a debt verification along with the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 
6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) 8. ( Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers is correct ) 9. ( Master Bill Of Sale ) ****** - Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also have committed the following FDCPA Violations : 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. You are harming my reputation which is a violation. 
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

Under 15 U.S. Code 1692k - Civil liability I Demand XXXX dollars for each violation as you have caused severe damage To my character. ( a ) Amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Sterling Infosystems Inc. (FL)

I have not yet paid for the service but I am trying to get. A free background check for live ops for employment and I am also on government assistance food stamps please help me out I need this job and have no money to pay for the background check thank you
Consumer complaint received 2024-04-12
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX at XXXX, I received the following text message : FreeMsg : BMO Fraud Ctr : XXXX Case XXXX Did you attempt {$100.00} at XXXX XXXX # XXXX with card XXXX? 
I immediately replied NO, and called the fraud department. At that time, there were 3 charges not made by me on hold : 2 for {$100.00} to XXXX XXXX XXXX, XXXX and another for {$2100.00} for XXXX - XXXX Online Order. 

I told the Representative I am in CA and have my card in my possession and those charges are fraudulent. She immediately closed my debit card. 
She then said I would have to wait until Tues to see if the charges would clear my account. Meantime, the funds are frozen. ( Total of {$2300.00} ). 
Tuesday morning one XXXX XXXX charge cleared my account and the XXXX charge remained on hold with the new transaction date of XX/XX/XXXX. 

XX/XX/XXXX it remained on hold, with the new date XX/XX/XXXX transaction date. 

XX/XX/XXXX it remained on hold, with the new date XX/XX/XXXX transaction date. I went into the branch this day and they said there was nothing they could do, and we would have to wait for the transaction to process. 

Today is XX/XX/XXXX and the funds of {$2100.00} remain on hold and noone can tell me why/how the charge keeps moving days, nor when it will clear or reject. 

How can a bank hold my funds XXXX when I immediately told them the card had been compromised and it was closed? I will have been without access to my funds for 10 days if this resolves by Monday. If not, do I just keep on waiting?? 

This is unacceptable practice for a financial institution and I would like this matter resolved immediately.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$2500.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX FOR {$130.00} XXXX XXXX XXXX ) ( XXXX XXXX XXXX  XXXX FOR {$2800.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXXXXXX XXXX FOR {$120.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) You are violating my rights! by reporting these accounts on my report I request that you provide evidence. 
to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine, whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

Credit card company believes I requested too many credits or opened accounts with them. 

This is untrue. I had a previous credit card because United had a promotional period. Once the promotional period ended that I satisfied the credit card long term hold to justify the bonus points on my account. I felt I had the ability to close this credit card for which I did. The credit card is closed. 

I opened a new credit which I am closing due to the promotional period is over with United which is the XXXX united card. I am transferring into a new credit card with chase and they should recognize my accounts only hold one open credit card and one checking account that might holds a debit card. This is not that many accounts and I think they denied only because I am opening accounts and utilizing promotional points correctly. 

They have wrongfully denied my credit card application.
Consumer complaint received 2023-07-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX Acct # XXXX XXXX  ( High balance {$0.00}, Count of late payments XXXX ) XXXX ( High balance {$4500.00}, Count of late payments XXXX ) XXXX XXXX XXXX Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send ) Transworld System Inc Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send )
Consumer complaint received 2024-02-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation (NC)

After seeing that my Quick Wallet wouldn't let me pay off my loan and they want to charge a ridiculous several XXXX dollar principal fee every month with only XXXX dollars actually being paid on the loan I contacted the company and I revoked my permission for them to take money from my bank account. I contacted my bank and they placed a stop order on the payments and yet my Quick wallet has still been able to change their ID and charge my account every two weeks. My bank XXXX  XXXX they keep assuring me that it's taken care of that they won't be drafting money out of my account and yet they still have been able to do this. XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00}. Since I did everhtning I was supposed to do I don't understand
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

About 3 weeks ago I received a XXXX form from Chase for {$960.00} I called customer service and was told to accept the amount, no explanation or breakdown of how the bank arrived at that figure.

I was told research would take 5 business days. Its been longer than that and no one has gotten back to me. I sent a message through online banking last week, and got a response that said I would get a response in 5 business days, it has been 6 business days. 
I need to do my taxes and with this problem I am unable to do them. The last 4 digits on the XXXX XXXX of the credit card account in reference is XXXX.
Consumer complaint received 2023-09-15
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: LEXISNEXIS (IL)

XXXX continues to report this alleged bankruptcy. I contacted the clerk of court and requested validation of this alleged bankruptcy and they stated they do not release court records to anyone other than the parties to the case or legal counsel. 

I have requested validation of this alleged bankruptcy and XXXX has provided me with no records of this alleged bankruptcy nor has LexisNexis.
Consumer complaint received 2024-04-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$35.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 

these account were never late. Please provide statements and records of all payments made and missed since I opened this account.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

This dispute involves a bank. Citibank, that failed to properly handle a dispute. 

On XX/XX/XXXX, I placed an order online with a business called XXXX The company sent me a used product and tred to claim I damaged it and returned it. 

Pursuant to the Fair Credit Billing Act that requires I first make a good-faith effort to resolve the issue with the merchant, I phoned XXXX on XX/XX/XXXX and spoke to XXXX to get an explanation as to what they were talking about. XXXX just kept telling the same old tired lie that I received the wig, and in just a few hours I intentionally damaged it with a pair of scissors and then returned it the very next morning. This story is outrageous. 

This business is engaged in unfair and deceptive practices, or consumer fraud with MANY customers also claiming they received used goods. 

On XX/XX/XXXX, I submitted a dispute to Citibank via email. I attached complete supporting information. On XX/XX/XXXX, I received a message from Citi asking for info I had already provided and focusing on a return of the merchandise which was not my issue at all. It appears that Citi may be using some kind of bots to handle disputes. Regardless, on XXXX, XXXX, I again provided the information to Citi and sent it via XXXX XXXX Mail. Citi received it on XX/XX/XXXX. Then, immediately in a letter dated XX/XX/XXXX, Citi said it had investigated the dispute and they were reversing the provisional credit since they had found in the merchants favor. But to the best of my knowledge, the merchant was never contacted as part of the investigation process. 

On XX/XX/XXXX, I sent an appeal of Citis decision via XXXX XXXX Mail to which Citi never acknowledged or responded.
Consumer complaint received 2024-04-12
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)

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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I am writing this letter to have the following information deleted off of my file.I am a victim of identity theft. I ask the items be delete and my credit report to be updated correctly. 
Ive reported the theft to the federal trade commission 's identity theft affidavit. 
Please resolve the problem asap.
Consumer complaint received 2023-02-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I put in a dispute with trans union regarding a derogatory item on my credit from XXXX funding. The dispute was submitted in XXXX. Im not sure of the exact date, and I cant get any information from the TransUnion website. The site is always experiencing errors. The company XXXX funding violated my credit rights. They used fraudulent deceptive tactics. They took advantage of me. Because I missed a payment. Led me to believe that if I paid {$50.00} they would resume my payments plan. After they took the XXXX out. They came back and told me that they would not be able to let me keep my payment plan. Yet, they continued to take money out for the plan. Trans union has refused to remove this item off my credit report. Even though XXXX is in violation.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (IL)

XXXX and Equifax continue to report this alleged bankruptcy with no validation or verification from the court. I called the clerk of court and they stated they release no such records to any outside party to the filing or legal counsel. I keep asking for verification of this alleged bankruptcy and no such proof exist.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2024 I checked my email after being away for XXXX XXXX XXXX  weekend and saw that I received an email from CapitalOne on XX/XX/2024 at XXXX stating that I had a payment due. I rarely use this card, so I only visit the CapitalOne site when I get notifications. When I went onto the the site at XXXX, I saw that my {$39.00} annual fee was due on XX/XX/2024 and because I missed the payment date by 14 hours, I was charged a late fee of {$25.00}. 

I immediately called CapitalOne customer service. I asked that since I am meticulous about not missing payments ( I am very on top of this in all of my accounting ) can that {$25.00} fee be forgiven? I also stated that I don't think that 5 days, only 2 of them business days with the XXXX XXXX XXXX XXXX, is enough notice to expect someone to pay for an annual fee on a card that they don't use regularly with a {$0.00} balance. I was told that the fee could not be forgiven. I asked to speak with a manager, XXXX. XXXX was very kind, but she also let me know that the fee could not be forgiven. 

I told XXXX that I think that this is a sneaky business practice. {$25.00} may be a small amount of money, but how many people are being charged a {$25.00} late fee on an annual fee for a card they don't use often? 5 days ( only 2 business days ) is not enough notice. I have a near perfect credit score. I do not miss payments. She said she would send my complaint to supervisors. 

This seems unethical to me. I paid my bill and the fee to avoid further issues, but I hope to be refunded the {$25.00}. I also hope to make CapitalOne aware that this is an unfair business practice so that it doesn't continue to happen to others. 

Thank you for your time.
Consumer complaint received 2024-04-29
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (GA)

On XX/XX/24 I received an email from XXXX XXXX a debt settlement company in regards to a debt that has been sold to them from Security Credit Services which I currently have a case open with because they are currently reporting the same debt under my name which I provided documentation that Security Credit Services requested providing a police report, Affidavit and Identification. I received an email from XXXX stating that this debt had been sold to them and they are now requesting for me to pay this debt that is not mine. I have provided Unifin with the same documentation that I gave to Security Credit Services but there was no response back via email which is how XXXX from XXXX contacted me.