davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Moss Law Firm, P.C. (TX)

On XX/XX/2024 I received a threatening letter communicating to me that Moss Law Firm, a debt collector was attempting to collect a debt allegedly owed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX. and that they will use any information I give them to collect the alleged debt. I do not have a contract with this company and never gave consent to have this company contact me through any medium. After received the letter I checked my credit report with XXXX, XXXX and XXXX to find that there is an account listed from XXXX XXXX XXXX that has been charged off as bad debt, but I never received a 1099 from XXXX showing the debt was discharged. Since this account has been charged off, that makes it a certificate of indebtedness meaning it is now considered income and income is not permitted to be listed on a consumer credit report. It appears that XXXX and Moss Law Firm the debt collector has conspired together to commit fraud and extort funds from me the consumer. Further more, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX reporting services.
Consumer complaint received 2024-04-03
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. (TN)

XX/XX/2024, I filed a complaint with the CFPB concerning an account furnished by XXXXXXXX XXXX  This company was notified per CFPB Complaint ID XXXX that the accounts associated with them is being reported incompletely. The accounts are missing payment history information and in the place of those missing payment records, there are notations of ( ND ) " No Data ''. Per the Fair Credit Reporting Act accounts that are incomplete or can not be verified must be modified or removed from my consumer reports per 15 USC 1681i ( 5 ) ( a ) ( i ). I have already provided per the initial complaint my consumer disclosure report that is showing blatant missing payment history info. This company had been put on notice and they are now in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). I don't care who owns this account, it is still being reported directly from XXXXXXXX XXXX  because they are still required to report the account as charged off. If they are still required to report the account as charged off, they are still fully responsible for the accuracy in the way it is being reported. FCRA still applies to you while it is still on my report. This account is hereby disputed for verifying an incomplete account. delete the accounts that you are reporting on my consumer report.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX 281 SW 715, 719,

I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( s ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhaloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. 
I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( s ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MO)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

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 2024-01-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Hello there, My Boss gave me an American Express pre-paid gift card with {$250.00} for XXXX on XXXX. The cost of the card on top of that was {$6.00}.

After multiple attempts at using the card both online and In-store, after taking advice from an internet forum had thousands of comments about the same thing, the card will not register or work.

I have called the support line 3 times now and have been told to wait two days to use the card, then I was told that their team would be looking into it, now I am being told that I am not using it where Amex is accepted ( which is not true XXXX XXXX XXXXXXXXXXXX XXXX XXXX etc wont even register the card ). Then I was told I was charging TOO much to the card and I had to account for 10 % of a pre-authorized amount to be deducted.. so I tried to use only {$230.00} dollars of it.. to no avail ... PLUS in the times I have tried to use it, it has now deducted money off the card as a pre-authorization when I wasn't able to buy anything all all. Now, it is a security issue. But, they do not allow me to register my address for the card as it is un-reloadable. 
Not only is AMEX making it quite literally impossible to access the money put onto the card by my boss, which is stealing, effectively, but now charging pre-authorization amounts when it wont even go through- stealing, again. 

There are multiple threads about this exact same issue online and I believe that this could be a class-action law suit. 

They will not send me a new card, they will not refund my boss, they will not tell me how I can get the money from the card and their answers are vague and unhelpful. I would like to request they give me the gift card amount PLUS 20 % for the mere inconvenience of trying more than ten times to use this, wasting my time and energy and resulting in embarrassment multiple times when checking out of physical stores.

This is absolutely wild and I would love some help! 

Thank you!
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (MO)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX was removed from XXXX on XXXX XXXX. I contacted XXXX and Equifax due to inaccuracies XXXX XXXX XXXX needs to be removed from credit report. All credit bureaus have to report all the same. My request was denied.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NJ)

Attention Amex Investors Relations and Legal Department : I hope this letter finds you well. I am writing to bring to your attention certain aspects related to the electronic chattel paper associated with my credit card application I originally issued to you on XX/XX/2020 for a Amex Blue Cash Everyday credit card which, based on my understanding, has been transferred into your Trust, American Express Credit Account Master Trust, via your Depositor and Transferor : American Express XXXX XXXX XXXX XXXX XXXX and/or Servicer : American Express Travel Related Services Company , Inc. , and subsequently became a trust asset and trust property. 

As a diligent investor and beneficiary with beneficial interest, I have conducted a thorough review of the information available in your 424B5 prospectus filed with the Securities and Exchange Commission and your Trust Indenture Agreement with XXXX  XXXX XXXX XXXX  XXXX. It is my understanding that, as the trustee overseeing the Trust, whether it be American Express Company, Travel Related Services ( " TRS '' ) or any other of your affiliate ( s ), you have a fiduciary duty to perform in good faith, with honor and clean hands. I am writing to assert my rights as an investor and beneficiary with beneficial interest based on the provisions outlined in the aforementioned legal documents. 

Asset-backed securities, as delineated in the prospectus, are a form of investment collateralized by a pool of assets. These assets typically generate cash flow from various sources, including loans, leases, or credit card balances. Given that I am an investor and beneficiary in the Trust, I believe I am entitled to claim and redeem my rights, titles, and interest based on the fiduciary performance of the Trust and Trustee. 

I kindly request that you provide me with detailed information regarding the status of my credit card application within the Trust, including any relevant documentation that supports the electronic chattel paper 's transition into a trust asset. Additionally, I seek clarification on how I may exercise my rights as an investor and beneficiary, as stipulated by the fiduciary duties outlined in the prospectus and the Trust Indenture Agreement. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Should you require any additional documentation or information from my end, please do not hesitate to contact me via the contact information you have on file. 

Thank you for your cooperation in this matter. I trust, no pun intended, that, in adhering to your fiduciary duties, you will provide the necessary transparency and assistance to address and rectify my concerns.
Consumer complaint received 2022-11-10
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. (AL)

Hi I am submitting XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

my information was sold and bought illegally because i was a victim of the Equifax data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. please help me delete these illegal accounts from my credit reports. list all these negative accounts from your Equifax credit reports. account names and account numbers and file your complaint with the CFPB
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX  percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


1. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

3. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX XXXX  XXXX. 
Account Number : XXXX Please investigate and delete from my credit report. 

4. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX XXXX  XXXX. 
Account Number : XXXX Please investigate and delete from my credit report. 

9. Please investigate if every piece of information is correct. If not please remove it from my credit report 10 XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX Account Number : XXXX Please investigate and delete from my credit report. 


I also read where I can get the updated report after you investigate this from the Free XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/XXXX filed CFPB complaint XXXX, was responded to on XX/XX/XXXXXXXX  with explanation " Capital One has made the decision to deny these claims due to we are not able to locate these transactions in our system. We recommend checking with the sender of the funds to confirm they sent it to the right routing number and account number. To be able to look any further into these transactions we would need the 15-digit trace number from the sender of the funds to try and locate the transactions. XXXX These were not disputes but missing direct deposits. I contacted XXXX on XX/XX/XXXXXXXX  ( he called back XX/XX/XXXX ) XXXX Ext : ( XXXX ), explained that I DID include the tracing XXXX  XXXX at the bottom of my complaint and he said he overlooked them because he thought they were complaint case XXXX XXXX and that he would reopen the complaint and have it investigated. I have not heard back from him since that call. These were included in my initial complaint with the company before filing CFPB. Still no answer to where the lost funds are. AGAIN routing XXXX  confirmed as Cap1 so funds are somewhere within Cap1, and confirmed with rep at VA unemployment that those are the tracing XXXX  XXXX for each payment sent. They wonttake action until the payments are returned. Company name : XXXX  XXXX XXXX Date, amount, check XXXX XXXX XXXXXX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$340.00} XXXX Total : {$1700.00}
Consumer complaint received 2024-01-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I sent letters to XXXX  on XXXX XXXX XXXXXXXX to validate credit acceptance. I asked for a validation of debt owned and got no response within 30 days XXXX  stalled back and sent me a email saying nothing was done and that i can only dispute through them personally, even after sending supporting documents to prove my identity to them!! On XXXX XXXXXXXX i sent another letter and told them Under federal law ( 15 U.S. Code 1681i ). They CAN NOT DO This, and they must respond to my letters and I still havent gotten a response As of XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (NM)

Between XX/XX/XXXX and XX/XX/XXXXXXXX  a check was stolen from my checkbook without my knowledge. On XX/XX/XXXX, I was attempting to make a small purchase at a grocery store, when my card was declined. I went straight to my bank, at the time they were called, Bank of the West. There I was told that I was in the negative over {$800.00} due to a check being cashed in the amount of {$1000.00}. We verified that the check was not something I had written as I did not know the person the check was written to, the signature and handwriting did not match any of my prior checks, check was out of sequence, and I do not pay for tuition for anyone. The bank placed a flag on the account and I was told that they would file a police report. On Monday, the bank manager contacted me and told me I was the once that had to file a report, I immediately filed the report to the XXXX XXXX Police Department : XXXX XXXX. BMO closed my account and would not allow me to open another with them. I had to take my business to another local bank. On XX/XX/XXXX, I received a letter by mail stating that the overdraft had been sent to collections to XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe the bank any money as this was a fraudulent cashed check, in fact, they still owe ME the balance I had on my account prior to them cashing this check.