davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (OH)

On XXXX XXXX I was at work and when I got off to leave to go home my vehicle had been broken into. My backpack with numerous items have been stolen. Most importantly I had my wallet in there with a lot of important documentation. From XX/XX/XXXX to XX/XX/XXXX I have numerous unauthorized transactions take place as well as unauthorized atm withdrawals from my discover bank account. I had no idea my funds were being stolen due to there security messages not notifying me. Every time I use my debit card it always declines first use and sends me confirmation to my cell phone if it is authorized or unauthorized. And I respond yes or no then it tell me to try again onces confirmation that it is me using my card. I have not received 1 message from my bank as my card was being wrongfully used. I notified them and even uploaded a police report of the incident from the date to the times to the whole situation that transpired. They have denied me several times and have been rude to me and i have followed every instruction they have gave me to follow in order to go about disputes. It was about XXXX $ in unauthorized transactions as well as XXXX $ in unauthorized ATM withdrawals and thats a lot of money to just be victimized of and not be able to have any help or resolution to reimburse any of it. I have been nothing but honest and respectful the whole entire time and they just seem to not be able to have any compassion or understanding that I was a victim of fraud.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX LVNV Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Dispute and Cease and Desist Notice - Account Number : XXXX To Whom It May Concern, I am writing regarding a debt reported on my credit report by LVNV Funding LLC, with a last report date of XX/XX/2024, concerning an open balance of {$880.00} related to XXXX XXXX XXXX XXXX. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am disputing this debt and demand a detailed validation of it. I assert my rights for accurate and honest communication regarding this matter. 

Furthermore, this letter serves as a formal cease and desist notice regarding all telephone communications. I request that any further communications be conducted in writing only, as per my rights under the FDCPA. 

I expect this matter to be reviewed promptly and a written acknowledgment of the validation of this debt, or its removal from my credit report, should no validation be provided. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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: DISCOVER BANK (KS)

Accord to the Consumer Financial Protection Bureau : A debt collector must use at least one of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered I was unaware of the {$110.00} charge from XXXX XXXX XXXX that was mistakenly charged to my Discover Card. I was not notified that this amount was past due by Discover Card. Discover Card did not call, text, or email me about this past due balance. I did not receive a letter. I paid the purchase amount, interest, and late fees as soon as I received a notification from XXXX and XXXX of the mishap. I would like these negative comments removed from my credit file immediately. 

Please take note of my email and phone number. This has been my contact information for at least the last 10 years. They did NOT contact me. 

Thank you XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WA)

When I log in to my Experian account, I am immediately presented with a {$0.00} ( free ) bill in order to upgrade and continue to my account page. One could easily mistake this for a free upgrade, but paying the {$0.00} bill actually triggers the start of a 1 week trial after what they automatically charge $ XXXX. This information is buried in the fine print and can be easily missed. Over time, this interstitial has become more and more obfuscated, and I wouldn't be surprised if a lot of users accidentally sign up for membership due to this. I am also receiving multiple emails a day from Experian to which I can not unsubscribe easily ( as they claim it's not marketing material )..
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LJ Ross Associates (IL)

In XXXX of XXXX I noticed a collection account on my credit bureau. I sent a letter to validate the debt to the collection company.I received a postcard back from LJ Ross stating the original creditor name and the date of service of XX/XX/XXXX, they stated the included an itemized statement, but there was no itemized statement. I tried to contact the original creditor and they stated they dont have any information, that I had to deal with LJ Ross . 

That all being said, I have XXXX LJ Ross directly, a handful of times. The most recent call was today XX/XX/XXXX, I spoke with a representative and they were very rude and said they dont have any information or history or agreement with my signature that they can send me to prove what they are trying to collect. She said she was not going to argue with me that I owe the alleged debt and I asked for a supervisor. The supervisor was even more rude, basically stated that she isn't going to go back and forth, and she stated that the balanced is owed and they are not sending me any information and she hung up on me. 

They are violating FCRA and FDCPA laws and if they are reporting an alleged debt on my credit report and they cant provide any proof that I owe this debt, it needs to be removed and all collections need to cease. 

Ive attached my letter I sent them as well as the response they sent me,
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

In XXXX while on XXXX XXXX in the XXXX I had student loans go into forbearance. Navient confirmed this telephonically after paperwork was received but reported it on my credit report at XXXX missed payments XXXX & 120 days late. It is now XXXX, my student loans have been forgiven 100 % due to 100 % XXXX XXXXXXXX and the loan was paid retroactively and closed. Despite dozens of requests to the bureau and the lender those two loans continue reporting four seriously delinquent payments and refuse to correct this error despite it being an error on their end and the account being closed and paid. This continues to have a XXXX  effect on my credit and has destroyed my ability to create a future. Ive been denied housing, employment and even XXXX resources and have suffered unnecessarily for years.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC (MS)

I keep getting a notification on my phone to contact Radius Global Solutions I have no idea why or who gave this company the right to text me or even call after they have been told to stop I dont know why they are contacting and gave me a case number I have never gotten nor received this bill to even pay it reference XXXX stop texting me stop calling me its harassment you have contacted me more than once and still I have no idea what this is about and I dont owe you anymore either
Consumer complaint received 2024-07-03
Product: Credit card — Store credit 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. (GA)

I ordered for XXXX whole slow juicer with macy 's credit card from Macy 's online on XX/XX/scrub>XXXX XXXX XXXX The order was not delivered to me, but Macy 's claims the order was delivered to me. Immediately, I informed Macy 's that the item was not delivered to me. Macy 's said they were going to investigate, after about 2 months Macy 's said the dispute has been resolved and that I must pay the purchase amount. I told Macy 's that I can pay for an item that i did not receive, especially when the amount is over {$500.00}. I have been back and forth with Macy 's on this issue, rather than Macy 's resolving this dispute, Macy 's chose to impose the charge on me, and has gone ahead to report the charges on credit. 

I believe that Macy 's is trying to bully me to pay the money even when I did not receive the item in question. I suggested to Macy 's to ask the carrier where it left my package. I have been receiving packages from my home address.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX is listing themselves as the original creditor. 

I do not have a contract with them. 
I am not liable for this debt. 
There's no payment history sent to me as required. 


No authorization to collect.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me. 

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report. 

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within 30 days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-05
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. (OR)

NOTICE TO DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Oregon Attorney General XXXX Complaint XXXX XXXX XXXX XXXX, Oregon XXXX Date : XX/XX/year> NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY : Account Name : Dept. of Justice OREGON CHILDSUPPORT Account Number : : # XXXX Account # XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.

Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance.

CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (GA)

I was granted a 2nd chance to do the loan modification which was approved to start XX/XX/XXXX I started making the payments in XXXX of XXXX and have made all three. I just received an email from PHH advising that I have not completed my trial period however this can not be true since it is XXXX of XXXX. I have sent them proof of this. I am being proactive with this at this time due to PHH has sent me through a great deal of hardship. I have sent them copies of all three cashier checks please help. 

If you should need email / document showing proof that they approved me to start my 2nd trail period as of XX/XX/XXXX I can do that
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

bank of america ihad over XXXX deposited into my checking accounts and them being in with some local business had set there and with out my knowledge had charged me tens of thousands of dollars a day with out me knowing and when i finally caught it XXXX XXXX later all they do is give me the run around even cussed me out saying the owe nothing which tells me because all localy located in XXXX they must know each other so i got XXXX stolen from me and bank of america help
Consumer complaint received 2024-06-18
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)

I've called and written all XXXX credit reporting agencies 4 times Equifax, XXXX and XXXX 
About the charge-off accounts, and repossession that are covered under 15USC code 1601, The bankruptcy that is under 15USC code 1681A2B, The hard inquiries which are covered under 18USC Is 10:28 A, Is collections which are covered under 15 usc 1692C . And collections which are under 15USC 166 B.

However, every time I call them they try to make me jump through hoops in order to get the Negative reporting taking off and I do exactly what they say and nothing gets done.

I have constantly told them that I did not get my written percent To have these reporting posted all over the internet.
Consumer complaint received 2023-12-05
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. (DC)

Dear Equifax : To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 10 PREVIOUS LETTERS to you, all by certified mail requesting that you REMOVE INACCURATE INFORMATION from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are ERRONEOUS AND COMPLETELY INACCURATE and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons WERE NOT FRIVOLOUS in any way. 

These items are reported inaccurately : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following personal information is incorrect Former : XXXX XXXXXXXX If this final request does not prompt you to conduct a PROPER INVESTIGATION of these accounts in question, and SEND PROOF to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I AM WELL AWARE OF MY RIGHTS UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) and I intend to pursue them to the maximum. As you are well aware, federal law requires you to respond within 30 days through U.S. Mail. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX  & CFPB. 

I await your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NY)

This bank doesnt value me as a customer or my business they never approve me since I opened the card for years for a limit increase Im always told no I dont qualify when I make all my payments in time their system never reviews me their is something wrong with them
Consumer complaint received 2024-06-18
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. (MO)

I've called and written all XXXX credit reporting agencies 4 times XXXX, TransUnion and XXXX 
About the charge-off accounts, and repossession that are covered under 15USC code 1601, The bankruptcy that is under 15USC code 1681A2B, The hard inquiries which are covered under 18USC Is 10:28 A, Is collections which are covered under 15 usc 1692C . And collections which are under 15USC 166 B. 
However, every time I call them they try to make me jump through hoops in order to get the Negative reporting taking off and I do exactly what they say and nothing gets done. 
I have constantly told them that I did not get my written percent To have these reporting posted all over the internet.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX my wife legitimately withdrew funds at an ATM in XXXX XXXX for an amount of {$400.00} plus {$3.00} atm fee. She was there for several more days and did not make any more withdrawals at any ATM machines and had her card with her the entire time, never lost it or loaned it to anyone. Two days later when checking the account, I noticed that another ATM withdrawal was made that same day for {$500.00} and the following day two more were made for {$500.00} and {$400.00} plus 5 small charges for {$2.00} each for balance inquiry and withdrawal fees. I contacted the bank immediately to notify them that fraudulent charges had been made on the account, so they proceeded to cancel the card and issue her a new one and opened an investigation on the charges. They did refund the money temporarily while the investigation took place. On XX/XX/XXXX they sent me a notice saying the claim was closed and could not be refunded because they deemed that the card was used by her or by someone whom she authorized its use. I called and tried to get answers on how they had come to that conclusion and all they would say was the chip had been read and the correct PIN had been used. I told them that it sounded to me like someone had cloned her card. I asked them to get the video or pictures of the person who made those transactions to prove it was not her. All they did was reopen the investigation for several hours after which I got the same message twice denying the claim. I could not get anyone to have them review the video or pics from the ATM. The only information I have is a name of a vender and a location address. the first one at XX/XX/XXXX was at XXXX XXXX XXXX XXXX XXXX. which may have been near the one she actually used at XXXX XXXX XXXX XXXX XXXX XXXX. The withdrawals and balance inquiries on XX/XX/XXXX were also made at XXXX XXXX XXXX XXXX XXXX. Also there were charges for balance inquiries when she does not need to do since she has online access to review her balance. 
This complaint is because they did not do a full and thorough investigation of the fraud and get the video pictures to prove that it was not my wife that made the withdrawals.