davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

The issue is that this debt collection company, XXXX XXXX XXXX XXXX XXXX, is attempting to collect a debt on a credit card that resulted from an identity theft. As shown on the credit report, the original creditor was stated as Barclays Bank Delaware. I contacted Barclays Bank Delaware and informed them the account or card is not mine because I've been an identity theft victim, and the report is not mine. They should close whatever budget is under my name, remove my information from their records, and delete the entire history because it's not mine. Barclays Bank Delaware representative asked for an FTC report, which I drafted and sent to them. They told me they would immediately close and remove the account from the credit bureau, and I don't have to worry about this account again. However, now it continuously reports, and I keep getting harassed by a collection agency attempting to collect a debt on a credit card that was opened through identity theft. I informed them that the account or credit card originating from Barclays Bank Delaware was not mine. They needed to stop attempting to collect a debt under a fraudulent account because it was against the law. However, they refuse to understand and continuously harass me by claiming that this account belongs to me. The report is not mine ; the debt collection is not mine. This fraudulent account was supposed to be removed from the records long ago because it resulted from identity theft, and they refused to remove it.
Consumer complaint received 2024-01-04
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)

In accordance with the Fair Credit Act, the following companies : XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. states I have 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 consent.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (LA)

My account was permanently suspended and they give me no way to contact a human being on the phone and get my funds that were in the account. They gave me no explanation or reasoning other than I may have violated the member agreement. Which I know I have not so I dont understand whats going on.
Consumer complaint received 2024-01-04
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: DISCOVER BANK (TN)

I bought XXXX XXXX products from XXXX. They clearly say on the box that the items are to remain frozen. They were sent to me in a box without ANY form of ice packs or anything to even keep the items cold, much less frozen. I called XXXX and they said they don't ship their items with any kind of cold packaging. They told me they send their items ready to eat. First, it doesn't say this on the website. I wasn't prepared to eat 4 pies and doughnuts at that time nor should I HAVE to. I ordered frozen pies and doughnuts and that is what I should receive. It is unsafe to refreeze items that arrive unfrozen. When the company wouldn't help. I contacted Discover card. They sent me the following email : We've received your request to dispute the transaction for {$54.00} on your Discover Card account and are sorry to hear you had a poor experience with XXXX XXXX XXXX XXXX. We can not, however, continue further with the investigation on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction. 

As a result, the transaction remains a part of your account balance unless already paid and is subject to interest calculations, if applicable, and calculation of your minimum payment due. Your current minimum payment due can be found on your most recent billing statement along with any interest assessed for that billing period, including any interest on this transaction. 

Please contact the merchant or manufacturer directly for questions about : Inconveniences Disagreements with the merchant 's stated policy Rebates/Reimbursement requests Manufacturer 's warranty Promotional offers Incidental damages related to the purchase Unrecognized in-person Chip transactions My dispute included none of these. I ordered frozen products ( XXXX XXXX pies and doughnuts ) and received thawed products.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL (MI)

I received a summons in the mail on XX/XX/XXXX saying that I had outstanding amount with a company I have never heard of in regards to an old account I had. The person delivering the summons specifically said that I dont have to do anything in regards to the summons and all I had to do was call the number listed. After attempting to reach out to the company via multiple phone numbers listed and getting no response, I did my research. I am now realizing that I have to respond to the summons mentioned above. Thankfully I am still within the 21 day timeframe to respond to the summons. However, this experience was horrible I had received XXXX communications and received no proof of debt from this company. I was also told not to respond to the summons that was sent, which I have learnt, leads to an immediately decision made against me.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NC)

ONLINE INFORMATION SERVICES, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). ONLINE INFORMATION SERVICES obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This account is furnished on multiple of my credit reports as a negative item and it has affected me as such.
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

COLUMBIA DEBT RECOVERY has contacted me numerous of times about a debt I do not have with them for the last 4-6 months about a debt that isn't accurate. This company is in violation of maximum accuracy laws, 15 usc 1681 validate debt laws. This account is not mine I asked them to validate the debt and they couldnt not provide me with the original copy as I requested, which is in violation of code 15usc 1692 unfair practice. I would like them to remove this immediately.
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

A loan of XXXX was automatically transferred from XXXX to American Education Services. Their first automatic payment was extracted at around XXXX dollars, which is my regular payment when other services held it. Then second month with AES, I receive a letter that they will be pulling XXXX on a XXXX amount with 6.8 %. How does that even add up? Through more than 3 servicers, the amount has been a consistent XXXX something per month. I started doing research on them and it appears that I am not the only one to experience this attempt at delaying payments due to hiked amounts in order to cash in on late fees. I am fortunate that I am in a position to just pay it off in one chunk right now so I don't have to deal with them. This way since I am paying it off all at once, they don't even get a chance to try and collect anything extra out of me such as inexplicable extra payments, fees, etc. I feel sorry for the others out there reporting it. Some are trying to bind together for a class action lawsuit. I think this warrants looking into.
Consumer complaint received 2022-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I recently made complaint XXXX that has been closed after the company response. They did analyze my escrow and supposedly sent a check for {$440.00} on XX/XX/XXXX. I have not received this check. I have tried multiple times to call Mr. Cooper and have been unable to get through their deplorable computerized phone system to a person after holding for long periods of time. This is not the amount that was taken at closing for taxes plus what has been paid monthly into escrow for TAXES. There is still an amount that shows taxes will be in escrow for {$280.00}. My husband is a XXXX veteran and is tax exempt. This lender has also sent notification that our homeowner 's insurance is inadequate and needs to be raised or payment will go up even more! Insurance was deemed adequate at XX/XX/XXXX closing date by our CHOSEN lender. I am disturbed at the dishonesty of this lender and would like assistance in changing to a more reputable company. This is infuriating that mortgages can be sold and people who pay their bills on time can be harassed by dishonest huge companies attempting to steal from XXXX veterans.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (AR)

Discover Bank is denying XXXX XXXX  applicants with good credit, they are denying qualified applicants with zip codes ending in XXXX, Discover Card employee are providing false reasons to the CFPB in order to continue these acts of discrimination and also using fabricated documents to cover up these fraudulent denials, my credit disclosure report revealed a score XXXX which was due to good pay history however Discover disagreed. XXXX zip code is primarily XXXX XXXX  area of XXXX XXXX ar, which is the real reason for my denial. Discover employees are avoiding discussing this in writing or on the telephone. Intentionally denying credit to entire groups of people based on national origin or the area they live in is unlawful Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the Equal Credit Opportunity Act.
Consumer complaint received 2024-01-04
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (GA)

I only owed {$290.00} on my XXXX, XXXX and XX/XX/XXXX statements. I paid {$290.00} on XX/XX/XXXX. I also paid {$290.00} on XX/XX/XXXX. Because that payment was rejected by Synchrony I made an additional payment of {$290.00}, thinking the {$290.00} payment wasn't received per their reps on in the call center. So one of my payments did get declined by my bank because I the first payment of {$290.00} did in fact go through. That is when I called in and I requested the closure of my account. After that balance was paid I made no further payments bc the limit on the card had been paid in full. 
No paper check was issued to me, if you disagree please provide photo proof of the paper check that was provided. Starting In XX/XX/XXXX Synchrony started adding late fees to the {$290.00} that they are saying they didn't get but I have proof from my bank statements showing I did in fact pay them {$290.00}. 
I would like to clarify that my account with Amazon Store Card was not closed due to " dishonored payments, '' as stated in your response. I initiated the closure of this account on XX/XX/XXXX, due to repeated issues with payment rejections and the imposition of late fees. This closure was an action I took to mitigate further financial complications caused by the account. 

Furthermore, the assertion that I did not honor payments is not accurate. I did make payments to the best of my ability, but your bank repeatedly rejected them and applied late fees. I have maintained documentation of these rejected payments, and if necessary, I can provide proof to support my claims. In your response, you referred to a clause in your terms and conditions related to credit reporting. However, you did not provide any evidence that this clause indeed exists on your company 's website. In the interest of transparency and compliance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide verifiable documentation of this clause. 

Moreover, I would like to address your statement regarding the reporting of late payments. While you maintain that you have accurately reported my account history, I must emphasize that the inaccuracies in reporting have persisted. My original dispute stems from late payments being inaccurately reported for several months. I have consistently challenged this inaccurate reporting with supporting evidence and have sought resolution through multiple channels.

As per the FCRA, specifically 15 U.S.C. 1681 section 602, consumers have the right to dispute and seek corrections for any inaccurate information on their credit reports. In accordance with my rights under the FCRA, I urge you to conduct a thorough investigation into the reporting inaccuracies on my Amazon Store Card account.
Consumer complaint received 2024-04-03
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MO)

Cease and Desist Communication Regarding Collections/Charge off immediately request for deletion of account. 

* Discover Bank I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it and stop reporting and request deletion of this account to all major credit reporting agencies immediately. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : XXXX. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
XXXX. Stop reporting this debt by all credit reporting agency and request for deletions to all credit reporting agencies. 
XXXX. Do not sell or transfer this debt to any other third party. 
XXXX. Provide written confirmation, within 10 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 16814 . 

Your immediate attention to this matter is expected and appreciated.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX consumer credit card by XXXX XXXX  XXXX XXXX Synchrony Bank consumer credit card Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2024-01-04
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: JPMORGAN CHASE & CO. (IL)

In accordance with Fair Credit Reporting act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, 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 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

FTC Report Number : XXXX Account Ending in : XXXX Type of Account applied for : Chase Freedom Application submitted by : Internet Date application : XX/XX/XXXX On XX/XX/XXXX my XXXX XXXX credit card company ( BEST COMPANY IN THE WORLD ) informed me that there has been a hard credit check on my name. Thats how I discovered that CHASE has approved a fraudulent credit card application without any kind of due diligence. 

I have received a letter from CHASE Fraud Department ( dated XX/XX/XXXX ), which only show how easily they give out these credit cards. Most of the applicant data was wrong or expired almost XXXX years ago : 1 ) Name was wrong, since I have remarried in XXXX and registered my SS # under my new surname. 
2 ) Address was wrong, since I moved out on XXXX. 
3 ) Mothers maiden name was wrong. 
4 ) Email address expired in XXXX. 

Yes, the criminals had my correct cellphone, SS # and birthday, but all above was wrong in their application. 

I was trying to call CHASE Fraud Department and they returned my phone call, but they have no other detailed information or explanation, why they did approve this credit card application when clearly MOST OF THE APPLICANT DETAILS ARE WRONG in this fraudulent application. 

CHASE didn't conduct any due diligence to check any of the applicant data. This credit card approval seems to be AN INSIDE JOB, and CHASE must find out who in their organization is guilty for this kind of criminal act.