davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

Company LVNV Funding LLC is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.
Consumer complaint received 2024-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Revenue Systems, Inc. (SC)

I went to doctor on XXXX XXXX and before I went my husband called and spoke to XXXX  in ref to me going just to take a XXXX XXXX  and they said it was free of charge and now I have a bill really!
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Dispute of Collection Account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number [ XXXX, XXXX, XXXX ]. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 



I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt.

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete.

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report. 



Thank you for your cooperation in resolving this matter promptly. 



Sincerely, XXXX XXXX XXXX XXXX Note : It's advisable to send this letter via certified mail with a return receipt to have proof of delivery.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, nd, XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that Capital has reported with XXXX, XXXX and XXXX, whom are all non affiliates with capitol one, in the terms and conditions provided by capital one they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope. 

( a ) Privacy obligation policy 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.

nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I bank with Chase Bank and I have made 5 payments at different times in the last 60 days to the same payee in the amount of {$1600.00}. XX/XX/XXXX, XX/XX/XXXX and XXXX for {$500.00} on the XXXX of XXXX. The payee has only received one payment. I called Chase and asked for copies of the checks that went out and proof they were printed. They will not give me this information and I need prove this to the payee.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MI)

In XXXX, I opened a credit card ( Chase ) for the company I worked for. I was in management and had the authority to open a credit card. In XXXXXXXX XXXX XXXX, I left the business and requested they remove me from all bank accounts and credit cards. In XXXX, I was told by Chase that the card had continued to be used by my former company and they had defaulted. The card had been used without my knowledge or authority for unauthorized purchases. I opened a fraud claim with Chase. They conducted an investigation and determined I was liable and this was not fraud. They have closed the investigation. I believe the bank has not conducted a thorough investigation for the following reasons : 1. I was told by two members of the fraud department that I needed to file a police report for the bank to conduct their investigation. That police investigation is still ongoing, yet the bank has closed their investigation. 
2. The bank has not interviewed me to determine what happened nor asked for any information to be submitted. I have had to call multiple times to talk to operators who can only read from a script. 
3. I spoke to the fraud department with the CEO of the company to discuss what happened. I was told to submit a police report from that conversation. I was then contacted by the same fraud department and told they had closed the investigation and they do not need a police report. 
4. The bank continues to charge interest and try to collect payment from me. 

In addition, the credit card account does not list me as an authorized user of the credit card and the account has another employees email address as the primary user of the card. I had no ability to check this account when I originally inquired with the bank in XXXX when the credit card default was reported to the credit bureaus.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I am writing this complaint to express my serious concern over multiple unauthorized inquiries on my credit report that have negatively impacted my credit score and my ability to acquire credit. 

The details of the unauthorized inquiries are as follows : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX These inquiries were made without my knowledge or consent, which directly violates my rights under the Fair Credit Reporting Act. 

Such unauthorized inquiries not only have an adverse impact on my credit score, but they also raise concerns about potential identity theft or fraudulent activity tied to my personal credit information.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XX/XX/XXXX Per the " Fair Credit Reporting Act '' as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 U.S. Code Chapter 94 Privacy 6801 - 6809 Subchapter I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. Effective immediately and indefinitely. 

Via PRIVACY ACT OF 1974 ( 5 U.S. Code 552a ). 

Via 12 CFR Part 1016 - PART 1016PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ). 

Via 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).

Via 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION.
Consumer complaint received 2024-01-01
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: DISCOVER BANK (CA)

I was going over the hard inquiries that I have on my credit report and there is some that I do not recognize and did not authorize. I have filed a complaint through identitytheft.gov and I need these inquiries to be removed.
Consumer complaint received 2024-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOVERY ASSOCIATES , LLC, " PRA '' Has again violated federally protected consumer rights. " PRA '' has failed to respond to my debt validation letter. I have requested the Audit trail, Account ledger, Forward flow agreement, Chain of title, Valid contract and their power of attorney over original creditor, to which they have defaulted on all 7 requests. Further more " PRA '' has openly admitted in their communication that they have purchased my personal information, which does not grant a " third party '' to do so, pursuant to 15 USC 1692 ( a ) Abusive Practices. " PRA '' has also violated 15 USC 1692f ( 8 ) and utilized symbols and logos on their communications with me, exposed to anyone who handles mail, allowing anyone to know that a " debt collector '' is communicating with a consumer. Being that the consumer is the original creditor, " PRA '' has never requested from me to obtain my personal identifiable information and is now in violation of 15 USC 1692d - Harassment or Abuse. Please be advised that these are NOT the only violations within their correspondence. " PRA '' and XXXX XXXX, of the disputes department, will be held liable in federal court, within jurisdiction, if they do not cease communication with me, cease communication with ALL consumer reporting agencies and delete my records from their filings. Attached to this complaint is my cease and desist letter and another copy of the debt validation letter that they have failed to respond to adequately. Again, there is NO CONTRACT WITH " PRA '', an alleged " debt '' is not and will never be required to be paid if there is no contract or a third party debt collector has not sufficiently responded to a debt validation letter. Again, you do not have permission to acquire my personal information, only the original creditor. I am the original creditor and I never gave you permission. I reserve my right to file suit, without recourse.
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I made an insurance payment of {$130.00} for my auto insurance. Everything appeared okay with this until I received an email from Bank of America stating that on XX/XX/XXXX I did not have enough money in my account ending in XXXX to cover my transaction. The following is a copy and paste exactly as the email read. 

Your account may have insufficient funds On XX/XX/2023, you didn't have enough money in your XXXX XXXX XXXX account ending in XXXX to cover your transaction ( s ). 
Balance after transaction ( s ) and fees : {$180.00} Transaction type ELECTRONIC PAYMENT Amount {$130.00} Transaction paid? No Fee {$0.00} Check your balance. If it's negative, make a deposit right away to bring it above {$0.00} and have enough money to cover upcoming transactions. 

There was {$180.00} in my account and the payment was for {$130.00}. This makes no sense to me but as I was logged into my Bank of America account and speaking to the rep over the phone telling her the payment had NOT been returned I watched the screen change and suddenly the check showed up as returned. I have no clue why they did this but the rep tried to explain that the posting I was seeing was not the way it really was. It was some other way and she tried to tell me where I could go in my account to see the way my transactions REALLY posted. I have no clue what she is talking about but the view I was looking at is the same one I have always relied on to check my bank account. I am sending you a copy of the email they sent me and a copy of my bank statement exactly like it is online. I do not see a problem at all with the way I did things and was not charged a fee. I'm sure I know why now. I just want to make you aware that Bank of America is doing something that is not right here and I would like you to look into it for me. They have been in trouble before for rearranging transactions to generate overdrafts and this is similar to that type of business. If this is what they are doing I do not want to do business with them any longer. Please look into this for me. Thank you
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-30
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. (PA)

XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX. 

Did not try to open this card. Want to report fraud.
Consumer complaint received 2023-12-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (PA)

Opened this account XX/XX/2023 realized the loan interest rate is 189 % which I was completely unaware of. I know easypay finance has been sued by multiple states for this and I talked to them about working something out to lower it and they refused. I been having trouble paying this loan since XXXX and I looked and made little to no progress on this loan. I got out the loan for {$1300.00} and I owe still {$1100.00} as of almost a year ago.
Consumer complaint received 2023-12-31
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 (TN)

I have an American Express gift card and Ive tried to use it in grocery stores, gas stations, and store fronts and it doesnt work ANYWHERE. Its embarrassing at this point. After 5 times of trying it you just give up hope. I think something is actually wrong with the card. But Ive read other reviews of people having the same issue. Card says its activated when I call the line and my balance is still the same. Trying to call customer service, youre on hold for hours at end. And I dont have that much time for {$50.00}. Terrible conundrum with even worse solution to it.
Consumer complaint received 2023-04-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I co-signed for an auto loan for my sibling. She missed one payment after four years of on time payments. She recently ran past 30 days for one payment. They reported me as delinquent and my credit dropped from about XXXX to XXXX. No one advised me of a delinquent payment or requested that I make up the difference to make things right. They just hit my credit report. I realize that I co-signed for a loan but this is just wrong. Im not even the principle borrower.
Consumer complaint received 2023-12-31
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 (MD)

On XX/XX/2023 American Express sent me a email saying that they have lowered my credit limit from XXXX to XXXX. I contacted them the same day saying the reason they have lowered my credit limit is discrimination which goes against the equal credit opportunity act. i then called them and said the same thing and they ignored this on and said there was nothing they could do until your credit score gets better.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MS)

Reference:XXXX  On XXXX XXXX I applied for a credit card and was denied. I realized that this had to have been an error because I know that according to the truth and lending act that credit is my XXXX given right. So I reached out to them via telephone to get this issue rectified but again I was met with another no. On XXXX XXXX I received another letter stating that per our phone conversation they reviewed my application again this time by a " supervisor for possible exception '' and again they told me " we will abide by our original decision. '' So that same day I sent them a letter informing them of how they were violating my rights and committing securities fraud. As well as using information from a source that I never gave permission to have let alone report on my behalf. On XX/XX/2023 They responded back stating that they still weren't going to open my account and their decision remains unchanged. At this point I am starting to feel a great since of XXXX knowing that XXXX was only a few weeks away and a recent car accident was preventing me from working. So I reached out again on XXXX XXXX, I again let them know how they were violating my rights and discriminating against me by not opening my account. XX/XX/2023 I received another letter from them again stating that they will not be opening my account and their decision remains unchanged.
Consumer complaint received 2024-01-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Sayer Law Group, P.C. (CO)

The original contractor has attempted to collect final payment on a job that was not completed to code on multiple occasions via multiple firms. Please see communication string below for additional detail. 

-- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Date : XX/XX/XXXX XXXXXXXX XXXX MST Subject : Reference : XXXX This email will serve notice to Sayer Law Group, P.C. to cease and desist all collections activity on behalf of XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXXXXXX for the Home Improvement Agreement dated XX/XX/XXXX. 


The material breach of contract by XXXX XXXXXXXX XXXXXXXX XXXX outlined below has still not addressed the code violation nor provided a copy of the building permit for this work showing it has passed inspection. 


The agreement was terminated in accordance with the Termination clause of the agreement. 

XXXXXXXX XXXX XXXX XXXXXXXX committed a material breach of the Contract and failed to correct the breach of the contract within ten ( 10 ) days notice of the breach. XXXX XXXX XXXX repeatedly failed to provide the Services of an acceptable standard as outlined in International Building Code [ BS ] C101.2 - Stud Cutting and Notching. XXXX XXXX XXXX XXXX cut studs to a depth greater than 40 percent of the width of the stud permitted in nonbearing partitions supporting no loads other than the weight of the partition. 


Should Sayer Law Group, P.C. not cease and desist with its collection efforts in this matter a complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ). 

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 MST Subject : Reference # : XXXX This email will serve notice to XXXX XXXX XXXX XXXX XXXX XXXX to cease and desist all collections activity on behalf of XXXX XXXX XXXX XXXX for the Home Improvement Agreement dated XX/XX/XXXX. 

The agreement was terminated in accordance with the Termination clause of the agreement. 

XXXX XXXXXXXX XXXX XXXXXXXX committed a material breach of the Contract and failed to correct the breach of the contract within ten ( 10 ) days notice of the breach. XXXX XXXX XXXX repeatedly failed to provide the Services of an acceptable standard as outlined in International Building Code [ BS ] C101.2 - Stud Cutting and Notching. XXXX XXXX XXXX XXXXXXXX cut studs to a depth greater than 40 percent of the width of the stud permitted in nonbearing partitions supporting no loads other than the weight of the partition. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX not cease and desist with its collection efforts in this matter a complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NY)

On XX/XX/04 American Coradius International received my letter USPS tracking number XXXX  and which stated ... ... ... ..I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim.. No one wrote be back this needs to never report on my file and blocked! I have no idea what this is plus they are in default!
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (OH)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?