davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Jon Barry and Associates, Inc. (FL)

I recently checked my credit report and noticed a two new accounts showing that doesn't belong to me. XXXX XXXX XXXX in the amount of {$3900.00}, And PARAGON REV in the amount of {$680.00}. 

I spoke with someone over the phone for both accounts and they said that there was a medical debt in my name. I have no medical debt. I informed them that the debt was not mine. they told me to bad so sad. I then spoke to the hospital XXXX of XXXX and explained what was going on. I was once again turned away, telling me they don't care and i need to report this with someone else. 

XXXX XXXX and PARAGON REV have 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, States a consumer reporting agency can not furnish an account without my written instruction 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 7 years. 
U.S.c 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate.
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc. (AL)

-The alleged Creditor failed to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications were sent via mail to the alleged creditor 's address. I sent the alleged creditor a " Cease and Desist '' notice to stop all collections and reporting until the alleged creditor can verify and bring forth the " original contract '' and respond to stipulations in my " affidavit to perform upon debt validation letter ''. After giving the alleged creditor 30 days to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications via mail, I have not received a response and have just been ignored. The alleged creditor after the fact there is a " Cease and Desist '' in place is still reporting derogatory information to the credit bureaus that's hurting my credit profile. Now I'm here to report Identity theft due to no response and have just been disrespectfully ignored.
Consumer complaint received 2024-05-01
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 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OR)

I will upload this as a XXXX  in case the formatting gets lost : 1. US Bank has yet to answer the question Where did my line of credit come from? Yet they continue requesting I send them Federal Reserve Notes, as though they have actually loaned me anything. 


2. They repeatedly keep my tender of payment while claiming they can not accept my tender of payment.

3. They repeatedly refer me to the Cardmember Agreement, which has been established as fraudulent, as it is based on the fraudulent premise they have provided me with anything of consideration. Fraud vitiates everything, from inception.

4. I have repeatedly returned their fraudulent Cardmember Agreement, along with other letters requesting Federal Reserve Notes ( which they have yet to prove owe ), instructing them to stop mail fraud. However, they continue sending me said fraudulent documents through the mail, while knowing theyre engaging in mail fraud.

5. UCC 3-603. TENDER OF PAYMENT states If tender of payment is refused, there is discharge, to the extent of the amount of the tender Thus, US Bank is in violation of approximately {$10000.00} worth of discharge owed to my account.

6. The refusal of tender of payment, a Bill of Exchange, constitutes Dishonor, giving rise to my right to seek remedy for Breach of Contract.

7. I have explicitly forbidden them from sharing any negative and identifying information with any 3rd party, such as the credit agencies, and yet US Bank continues sharing my personal information having a negative impact on the credit reports. This constitutes identity theft and violation of my privacy.

8. In addition to their violation of identity theft and privacy laws, US Bank is also sharing FALSE information, as I have never missed a tender of payment and have not used my credit card in a few months- yet they repeatedly report late/past due payments as well as a high balance and high credit utilization.

9. I did not authorize US Bank to close my account. On the contrary, I forbade them from doing so in numerous correspondences. Due to US Banks failure to perform on my tender of payment, I have not had access to my line of credit in months ; and now they have categorically restricted all access to my account.

There are more violations ; however, for the sake of brevity, I will not list them in this particular section in this particular complaint.

For the Record : I hereby opt out of any Arbitration Clause I may have unknowingly - or even knowingly- opted into. I do not wish to resolve disputes with US Bank through Arbitration.

Again, I reject the arbitration clause in the US Bank Cardmember Agreement and any other contracts/agreements that I may have previously agreed to. This opt-out remains in effect even if US Bank can demonstrate their Cardmember Agreement to be valid.

Thank You for noting my account.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

XXXX XXXX XXXXXXXX and ideal debt collection has falsely placed falsified information on my credit. I have called the both parties and neither have or are willing to explain to me how I owe the money. On line four of the lease it states that we are to pay XXXX for rent, XXXX for trash and XXXX for water totalling XXXX. Also on the utility page. They have given a copy of ledger proving that we paid XXXX  every month. XXXX has written a letter stating that this charge is not valid for XXXX XXXX the other person that was listed on the lease however she wants to make me fully responsible for the debt again without showing how I owe. I've tried many times to have a conversation with XXXX but she would scream, why are you calling just pay me the money. I have email conversations proving that XXXX from the debt agency she doesn't understand the charges either but XXXX refuses to remove even after proof that the debt false. I'm willing to furnished all documentation I have referred to. 

Ideal collection services, Inc XXXX XXXX XXXX XXXX, FL XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX
Consumer complaint received 2018-09-01
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: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.
Consumer complaint received 2024-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REPORTS, INC. (TN)

Received a letter from Reports, Inc. claiming I failed to respond to previous notices regarding payments to a local hospital. The hospital is one that I visited recently, so I assumed I had somehow missed the payment and immediately paid the collection bill. However, looking at my insurance claims, I now realize I had already paid the bill. 

The letter claimed that I had failed to respond to previous notices, but there were no previous notices. When I called the phone number listed on the letter, I got a menu that had no option to speak to a person. I hit zero to speak to the operator and got a message saying that the number was unavailable. The company 's website says that they are an accredited member of the XXXX XXXX XXXX ( XXXX ) with an A+ rating, but that is a false statement - the company is not an accredited member. As far as I can tell, this is a scam to get money for a non-existing debt, and there is no way to actually contact a person working at the company.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (GA)

It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC (TX)

Account was resolved as a paid deletion on a recorded line and it has been more than 45 days since I was promised that the collection information would be removed from all credit reporting agencies. Security Credit Service connected with XXXX XXXX to handle this account and payment was made and deletion and part of the recorded conversation with Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (MI)

This company lied about settling my two accounts with them. They told me on a live call that the accounts were cleared to XXXX. On the same call I gave them my credit card number so I know they have the call. I am requesting the call to prove them lied about where my money would go. They did not clear the debt at all thats why they refused to give me a letter that my debt was paid off. I called and again to request my money back since they lied about where the money would be going and they said it would be returned in 24-48 hours and that was a lie as well. I am ready to take legal action against this company. I am not working and I dont have money to be throwing around. That was my last! I am very very angry.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Terrill Outsourcing Group (TX)

Account was resolved as a paid deletion on a recorded line and it has been more than 45 days since I was promised that the collection information would be removed from all credit reporting agencies. XXXX XXXX XXXX connected with Superlative RM to handle this account and payment was made and deletion and part of the recorded conversation with Agent XXXX XXXX [ XXXX ] on XX/XX/2023 Account Number : XXXX
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I received a promotion offer in my mailbox and applied for the Citi Double Cash Card online. I successfully obtained and activated the credit card, but when I tried to add it to my XXXX XXXX account, I was prevented from doing so. The reason given was that there had been suspected fraudulent activity on my card, and further verification was required. 

I contacted customer service to resolve the issue but was informed that they were unable to use my phone number or email address for verification purposes. The only option offered to me was to receive a letter through the mail. I explained that I was in the process of moving from XXXX XXXX XXXX and that I would not be at my old address to receive the letter before I moved. Unfortunately, I was told that there was no other way to verify my identity. 

After I moved to XXXX I contacted customer service multiple times, but each time I was told that the only way to verify my identity was by sending a letter to my old address. This has created a problem because I am unable to use the credit card, update my address, or close the account. The credit limit of {$1500.00} is still tied to my name, which is negatively impacting my credit score. There are no nearby branches in XXXX so I can not resolve the issue in person. 

I have tried multiple times to fix the problem by calling customer service, but they have been unable to help me other than by sending the verification letter to my old address. Unfortunately, this is not a feasible solution since I can not go back to retrieve the letter.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I use to Have An Bank Account with XXXX XXXX someone stole and used my Social Security Number to do etc things with it, also I had a credit card with Capital One anytime I try to put my Social Security Number in a get denied to own anything I try to by for MYSELF. Like AN CaR that I've been trying to get and pay for without having to CO-SIGN with anyone
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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

This account has violated my rights ; Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately
Consumer complaint received 2024-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

LVN funding is violating my rights I don't have any knowledge of this account they have no written permission or permissible purpose to place this account on my credit report I'm asking for them to produce a forward flow agreement of this alleged debt. 

Account # XXXX
Consumer complaint received 2024-05-01
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. (MA)

incorrect personal information as in compliance of FDCPA Section 807 Violation Misleading False must be remove in my report and monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the personAccounts listed below in yelow color highlight text accounts in status incorrect personal information as in compliance of FDCPA Section 807 Violation Misleading False Reporting Must be deleted Immediately!. 

items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Consumer complaint received 2024-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (NC)

I and my husband are divorcing. I left the family home and the XXXX bill was in my name. Over {$760.00} of utilities was accrued under my name. My ex claims that he paid the debt in full. I have not received a bill since XXXX of last year and then suddenly I get this collection notice in the mail.
Consumer complaint received 2024-02-17
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: CITIBANK, N.A. (OK)

I had a credit inquiry submitted that was made without my consent. This occurred on XX/XX/2024 and it was done through Citibank / Best Buy. 
I was no part of it so this is fraud. I have placed a security alert on my account but need to get the inquiry taken off my credit record since it was not authorized.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I own a small floral business from home, I make under XXXX a year. XXXX XXXX is my most busiest time of the year and the XXXX day out of the year that I sell the most which is why between the days of XXXX XXXX I was receiving many XXXX payments. My business account on XXXX XXXX XXXX XXXX I was told they need the numbers of all my customers to verify the payments but it just makes my business look very unprofessional which is why I dont want to provide that information. Also many of my customers are not okay with receiving those calls.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (FL)

Started using Ally to use their new " Spending Buckets '' feature on their checking and savings accounts. These buckets have repeatedly shown wrong values. For the last week my account has been unable to be used because I rely on these buckets. Also for the last week I have even been able to see my account details. I understand that Ally 's response is " well the rest of the account works '' but this is not why I transferred my accounts into Ally. 

Since these are system wide errors according to at least 3 of the agents I talked to, I am sure that I am not the only one having this problem. Buckets is a new product/tool of Ally and I'm basically concerned that they dont have the technology to support this feature and it's turned into a bait and switch because they went to market too early. Have at least two open " feedbacks '' ( not sure why on Earth they would call a case feedback but thats just a random annoyance. 

As of today, my unresolved issues are 1 ) When I log into my account I receive an error message saying " We can't show your buckets right now. 
Everything should be up and running again in a bit. Check back later. '' This is preventing me from even using the accounts as I need the buckets to drive transactions ''. 

2 ) When the buckets were available, it was showing transactions from XXXX There was no way to mark this transactions as XXXX  or remove them. When I tried to add them to a bucket, the bucket wouldn't accept them without paying for the expense again. I am not going to pay double just to use this feature. Chat reps said it would correct in 120 days worth of transactions to which she couldn't explain what that meant. Several phone calls later the supervisor said that this was a global issue on everyones accounts. They also said account balances are wrong for people using buckets is a known global issue. 

At this point I am not even sure if my money is safe with Ally. The only thing that is keeping me here is the FDIC 's insurance of my funds and the hope these things get fixed quickly.