davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Barton Law Group, LLC (MO)

I have been attempting to get a refund from The Barton Law Group for an overpaid garnishment. The debt collector was paid in full by payroll deductions in the amount of {$1000.00}. The original judgement was issued on XX/XX/XXXX. The first payment of XXXX was deducted from my pay on XXXXThe final payment was made on XX/XX/XXXX in the amount of XXXX. The creditor submitted another judgment for XXXX more payment on XX/XX/XXXX. The amount of the judgment was {$150.00} and was deducted from my pay. I have called The Barton Law Group for a resolution several times. On XX/XX/XXXX, my employer obtained a copy of the check, from XXXX, that was deposited into The Barton Law Group 's bank account. My employer, also, sent a copy of the check to XXXX at The Barton Law Group on XX/XX/XXXX by email. I have been told by representatives at the The Barton Law Group that they need to submit the information to their finance department because my informationwas not on the check. However, they still deposited the check. I'm still waiting on the refund or a follow-up from the debt collector.
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

Nationwide Recovery SV has 2 Medical bills listed on my credit report that do not belong to me.

Enclosed are 2 attachments with the erroneous account information. As well as a copy of my complaint that I sent to Nationwide Recovery Sv.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 NumberXXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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 2023-11-15
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. (NJ)

After reviewing my credit reports I noticed that your company are alleging that the following accounts ; XXXX, XXXX, XXXX are accurate without furnishing any proof of verification of this debt or that your company followed all laws and regulations to report therefore your company must remove all negative and adverse remarks. These companies are reporting a certificate of indebtness which the IRS considers income and income can not be on a consumer report. Additionally, as your company know it is against the law to report any information not proven accurate, I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts ; XXXX, XXXX, XXXX but if your company are unable to provide the full reports of how you validated, verified, and how your company in compliance then you must remove the accounts ; XXXX, XXXX, XXXX from my credit report.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hello i recently sent a letter to transunion on XX/XX/2024 to go over some incorrect personal information that doesnt belong to me. I have yet to receive any acknowledgement of my request to have the information from my credit.
Consumer complaint received 2023-11-15
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: AMERICAN EXPRESS COMPANY (CT)

Hi, I used my Amex credit card to purchase service from XXXX on XX/XX/XXXX. On XX/XX/XXXX, I saw there is a charge of {$150.00} from XXXX on my Amex credit card statement. Since I no longer want the service and did not want recurring charges, I tried to ask for refund from XXXX. XXXX said this charge is nonrefundable, so I filed a dispute through Amex. Amex. Amex refused to credit back my statement. My first payment with XXXX was on XX/XX/XXXX via XXXX XXXX, it was a one-time charge for the whole year service, and I did not agree on recurring charges. I hope CFPB can help me get my money back ( in the amount of {$150.00} ). My Amex dispute case ID is XXXX. Amex did not investigate the transactions thoroughly and is not trying to resolve a customers issue. 

Best, XXXX
Consumer complaint received 2023-06-06
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I made a purchase on a website for bikes on XX/XX/XXXX for {$210.00} with my Citi credit card. When I received the order confirmation email, something looked wrong with the links displayed. After looking into it, I noticed the email and the site I made the transaction on were fraudulent and were actually scams. Once I noticed this, I made a fraud dispute the same day. 

About a month later, Citi asked me for details since the seller was saying I made the purchase. I did not dispute that but followed up with evidence that I did not know I was being scammed and will in fact, never receive the products I " purchased ''. The site is not even available anymore as it has likely been taken down. 

Just today, XX/XX/XXXX I received a note from Citi saying they decided there was no fraud and my initial chargeback was reversed. I am not expected to pay that {$210.00} as it sits on my account. I called and explained to someone in hopes of a simple resolution and they said because I reported it as fraud first, there is nothing they can do now. If I would not have reported it as fraud, they might be able to help. This makes no sense to me. Please help.
Consumer complaint received 2024-04-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

Jefferson Capital has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Jefferson Capital for a company that is NO LONGER in existence XXXX. Jefferson Capital placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Jefferson Capital is also reporting this as a new account which is causing damage to my credit report and I did not sign a contract with this company. This must be removed immediately. They are reporting this as a new account and I have had the same cellphone provider for over 15 years with a different company. This is damaging my credit report because they are reporting a monthly debt not owed to this company that cant even been validated.
Consumer complaint received 2023-11-15
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. (NJ)

I have been disputing with Equifax, XXXX, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my Equifax consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by Equifax, XXXX, XXXX and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY EQUIFAX, XXXX, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

i was a victim of Identity thief, which cause my consumer report to drastically effected. I went from an XXXX XXXX Score to a XXXX in my attempt to clean up the mess made, i came to realized that there were many inaccurate information in my consumer report. As is expect base on the law 15 USC 1681 ( a ) ( 4 ) TO insure that the consumer reporting agencies exercise their grave responsibility with fairness. i sent the accurate information along with expected identification and documents ( Drivers license, Utility bill ) to prove that I am the natural consumer submitting this request. 
After XXXX weeks i received a letter from the agency ( XXXX stating that the information that they have does not match and requested that send the very identification that was sent with the first letter, i believe that they are Violating my rights. i have sent another letter and have heard nothing yet
Consumer complaint received 2023-11-15
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: CAVALRY INVESTMENTS, LLC (CA)

I am submitting this complaint on behalf of XXXX XXXX XXXX XXXX, not on behalf of our individual consumer client who had this debt, because I would like CFPB to be aware of Cavalry 's practice.

A couple of years ago, we helped a consumer vacate a renewal of judgment on an old credit card debt with an alleged charge-off date in XXXX. The judgment is not enforceable, and the debt is too old to report on the consumer 's credit report. 

However, we received a collection letter today, addressed to the client c/o our office, stating that she owes the debt. There is no statement clarifying that it is too old for them to report on her credit, and in fact one of the disclosures on the back implies that they will report on her credit. I have attached a redacted copy of the letter.
Consumer complaint received 2023-11-15
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: CITIBANK, N.A. (WA)

I recently opened a Citi credit card account in XXXX of XXXX. I have made on-time payments and remained well within my credit limit when using the card. 

On XX/XX/XXXX I made the minimum payment of {$230.00}. Every payment prior I have paid above the minimum payment. 
On XX/XX/XXXX I received an email from Citicards that due to information from my XXXX report they have reduced my credit card limit by {$1800.00} leaving an available balance of {$85.00} that prior to the payment was {$2300.00}. 

Per XXXX my credit score was XXXX with 100 % on time payments. 

I have made on-time payments, have not exceeded the card balance at anytime and have maintained in good standing with Citi and my other financial obligations. 

I feel this tactic now will force me to either pay the card off wholly or make a bigger payment than one can afford monthly. I find this practice unethical and know that I am not the only person this has happened to. 

It is curious that they can pull this information anytime, yet they wait until after the payment is made. Still with no foundation as to why and what they are looking for. 

I reached out to CITI customer service and after refusing to accept the referral to ask the Credit Reporting Company I requested a Supervisor. The Supervisor at that time was unable to offer any insight other than the standard factors that are looked at when granting initial credit. But this credit is established. 

I hope the CFPB is able to investigate and offer insight as to why CITI and other credit cards ( XXXX ) are able to manipulate your balances without direct cause or reason, ultimately causing undue financial hardships on the card holder when you have remained in GOOD standing. 

Thank You!
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I recently opened a business savings account and checking account with Chase Bank during the month of XX/XX/. All the requested paperwork was provided, and the business accounts were opened. It was then suggested that I apply for a Chase Business credit card, and I applied. Again, all necessary documents were provided, and they ran my credit, which happens to be around XXXX. Chase then mailed me a letter about possible identity theft and that I needed to call them and verify some information. I did that. I called them for an update and was basically told that the application was closed and that I should re-apply. I asked why and was given no answer. Why would I need to re-apply and have them run my credit AGAIN. This was done and I was told that I was verified. My reference number that Chase provided to me is XXXX. I could understand if they made a business choice to not lend to me but explain that. I happened to be in the top 10 % of credit worthy people and pride myself on having and maintaining excellent credit. To just say, apply again is not right or fair.
Consumer complaint received 2023-03-17
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$19000.00} ; 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (GA)

I received an escrow analysis from Rocket Mortgage on XX/XX/XXXX XXXX XXXX. They informed me that my County tax will be increasing {$2600.00} ( Rocket mortgage OWN ESTIMATE for XXXX ), representing an 82.3 % increase within 1 year - No significant work has been conducted ( resided here for 2-3 months ). For reference, the tax has increased 51.8 % from XXXX to XXXX, with the single highest year increase being 24.6 % in XXXX. 82.3 % is a borderline criminal estimate. This would also present as a 10 % increase to my monthly payment, 2 months after closing on my property. 

I reached out immediately after work, starting a live-chat with XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). I stated the issue, and asked " I'm curious how the value was reached ''. No details were provided, only that the estimate was {$5800.00}. She also stated the only way to re-estimate would be to wait until the next escrow analysis ( 12 months from now... ) or provide an updated bill for XXXX taxes, which per the tax commissioner office in my county, is conducted in XXXX each year, and a bill is compiled in XXXX ( 8-9 months from now ). 

An 82 % increase to my County taxes is a gross miss-estimate, they provided no justification for the value. To exacerbate the matter, I have a snippet of my escrow summary that shows a yearly/monthly payment that doesn't add up. 

Property Taxes ; Yearly ( {$5800.00} ) Monthly ( {$260.00} ) - This equates to {$3100.00} yearly... 
Homeowners Insurance ( HOI ) ; Yearly ( {$1500.00} ) Monthly ( {$120.00} ) - Equates to {$1500.00} ( rounding errors, close enough ) PMI ; Yearly ( {$1500.00} ) Monthly ( {$120.00} ) - Equates to {$1500.00} ( exact tie ). 

Might be worth noting they tried to buy-down interest rates without my consent, and used that to advertise a lower rate... But that's another story for another day.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

made one {$200.00} payment over phone and they withdrew 4 payments of {$200.00} on monday XX/XX/XXXX... we called they said they would call me back in a few mins.they never did.so i checked my checking acct. tuesday XX/XX/XXXX they re turned 2 of the payments that where illegally took on the XXXX but fifth third took another payment on the XXXX fifth third took a total of 5 {$200.00} payments when i only authorized 1 payment of $ XXXX.and told me i have to call in 7 day and begg for the return of the4 other payments fifth third took using an illegal wire transfer that fifth third use to steal my money in the first place... so i cant pay my bills and she said we could always cut your credit line on you! so even though i have had that acct. 10yrs. plus i great standing fifth third is going to threaten me because of something they did that is illegal! Please HELP!!!
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.