davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXXL Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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: JPMORGAN CHASE & CO. (FL)

I made a purchase to a merchant for an item totaling {$2400.00}. The item was supposed to be delivered and signed for by myself. I did not receive the package nor did I sign for it. I reached out to the merchant and was ignored and was not provided any help. I filed a claim with Chase and provided a magnitude of proof to support non-delivery of the item and was still denied the claim. I escalated the claim and tried to resolve by providing more Proof that shows someone else 's signature receiving the package. The package never made it to my home and was never signed for by myself. I provided Chase with this additional proof and was still denied. This was made on a Chase Business Account. There was no purchase protection provided nor did Chase accurately resolve the case. I am unable to file a claim with XXXX  because I am not the shipper. I am out o the funds and the item.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (MI)

I wrote to Lexis Nexis on four different occasions to rectify this situation : ( 1 ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages ; ( 2 ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages you removed some info; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages added info back ; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages. To no avail did Lexis Nexis remove this information. I recently submitted a certified letter through USPS ( XXXX XXXX XXXX XXXX XXXX ) in which I asked them to please remove all non pertinent information from my report. The letter was documented as being received by Lexis Nexis on XX/XX/XXXX. The XXXX report that was sent was over 30 days old which meant I could not view. Once again this is data that has to be removed. 

The Names, Addresses, Emails, and Phone # s to be deleted/removed : 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 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 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 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 2024-05-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (FL)

On XX/XX/year>, I was in XXXX and paid someone with a credit card machine at the beach to rent a car in XXXX ( across the water ). I paid {$110.00} and never received these goods and services. When I went over to the car rental place, I had a voucher which upon presenting to the car rental place was told it was not good. I called the phone number on the back and spoke to the owner who told me her book was stolen and that her company does not rent cars, only does tours. 

I did not receive goods or services, and Paypal has denied my dispute where I used my card, which is governed under XXXX rules and LAWS that entitle me to these funds back. Please deposit these funds back into my account without any further delay or hindrance.
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC (NE)

Hello- I received a call this afternoon from Revco Solutions in XXXX XXXX. The woman on the line would not tell me who she was with, She demanded I give her my SSN, Birthday & Address. I said am not comfortable giving out this info, can she please tell me who she is and what this is about. She would not and further insisted the info above. She explained there was a debt owed, would not tell me for who the debt was being collected on behalf of, nor whom in my household the debt was for. I finally received the party the debt was on behalf of but only after I explained to her she needs to give me information as Im sure she is aware that there are scams every minute of the day, where people request this information. I explained that they have never sent me a bill, I would be happy to pay it but I need to see the bill because again, I am not comfortable especially after the insistent info of my personal data. She said thats fine, I will simply have our lawyer, come to you and they will get it handled whether you want it or not. I again, try to explain the sensitivity of information and giving credit card numbers. Insist Ive never seen a bill from them, and that our address is often mistaken for the street next to ours, could you kindly send one and was met with nope, weve done this. I said listen, I cant afford to fall into a scam. She again says she doesnt care, take it up with their lawyers when they show up to my home. Admittedly, I said XXXX, Ill call the hospital and hung up. I receive another phone call but from a different number to my extreme surprise, it was this woman who now, honestly sounds like shes in a bathroom. I again plead with her for the bill and explain my daughter just had XXXX  XXXX XXXX for an XXXX  XXXX, can you please just work with me, and provide the info, I can not afford to fall into a scam, Im telling you the truth. The woman proceeds to explain to me she doesnt give a XXXX if my daughter lives or dies and will take pleasure knowing their lawyers will be at my door. I am so disturbed right now and have no clue how any of this could be legal, especially without ever receiving a bill myself or speaking to me previously. Regardless of those things, this is absolutely unacceptable.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (AL)

Funds were deposited into my account and a refund was processed making my available balance nearly {$480.00}. I then XXXX  {$430.00}. Leaving an available balance after the transfer. The next day my account showed a negative balance. The following day my account was positive again with an overdraft fee. I spoke to multiple supervisors in client support, the first was a young lady named XXXX and the second was a young lady named XXXX, who refused to correct the issue and after acknowledging that the return was presented the day before the XXXX transfer and that the {$100.00} from the return was available to make the XXXX transfer but didnt post until the XXXX. I ask how could they make money available for me to use and then charge me a fee when I decide to use it. They sited the reason for not correcting the mistake as being that they had corrected similar mistakes in the past and would not be correcting any more.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Im getting outrageously charged for a XXXXXXXX XXXX  Im paying as much as possible and Im still getting harassed everyday with calls even after I pay my balance is not moving with the payment arrangement and they are not willing to help so basically putting me deeper in debt with high and unfair interest r rates. Im ready to file bankruptcy! Its sad that these people prey on the less fortunate through trying times.
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc (VA)

I had a XXXX appointment on XX/XX/XXXX. I was contacted by United Consumers , Inc. in XXXX via mail stating that I owed four payments of {$28.00}, {$310.00}, {$81.00}, {$42.00} respectively. I contacted the company and was told the debt was for said XXXX appointment. I then contacted the XXXX who reported that the charge had long since been paid off, first by me and the outstanding balance by the insurance company, and that the last two charges were erroneous. I reported this to the company and told them to sort it out with the healthcare provider. 

I received another mailing on XX/XX/XXXX for the same charges and when I called ( took 4 calls to talk to a representative ) I was told that the XXXX had said the charges are still in effect, in direct contradiction to what was told to me. In addition, none of the charges listed above are reflected by the original co-pay statement of my insurance. 

I believe that this company is attempting to force collections on non-valid debt despite their knowledge that the debt is void.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

Years ago, I was assessed an overdraft fee on my checking account. I was surprised because I thought I had opted out of overdraft fees when I opened the account and that any payments that would overdraw on my account would just be declined. However, when I contacted the bank, a teller told me that I had not opted out fully, so I paid the fee. At the same time, I asked the teller to ensure that going forward I would be fully opted out of any overdraft coverage at all. The teller told me that I would be opted out for all transactions going forward. I re-emphasized that I wanted the bank to decline ANY payment at all that would overdraft my account, and the teller reassured me that that would be the case. This assurance was not tested until now, since I've not been close to overdrawing on the account until recently. I just received {$36.00} overdraft fee on my account. I just called the bank and they said I was not fully opted out and that I would need to visit a branch location in-person to opt out although I was already assured the last time this happened that I was fully opted out going forward.
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

The company keeps calling me repeadly. I have spoken to them on the phone and ask them to stop calling. they are calling me during my work hours and from then on. They get you on the phone and say imprper and unprofessional things. I dont owe this company anything. and i have asked them to stop calling both of my cell phone numbers. I feel like my rights of a consumer that owes them nothing is being violated. I have considered changing my cell numbers however they are both tied into my jobs. The company calls back to back to back and it's desturbing. Someone should do something about this.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing because I recently viewed my credit report and noticed inaccurate information. XXXXXX/XX/XXXX is showing a late payment status over 120 days late. This information is in accurate. I have never been late with XXXXXX/XX/XXXXand This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with XXXX therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.
Consumer complaint received 2023-07-06
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. (IL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IN)

Filed multiple disputes via mail. Requested original contract. Never heard from company. When I did not hear back, I responded with my initial contract from a different date and time for my contract and the amount I had paid to original company. The dates listed on their initial report ARE AFTER I no longer lived at the location. I sent them proof of the debt not being mine and receipts and they refuse to remove the debt.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (CT)

On XXXX I received a declination letter from XXXX XXXX XXXX for a homeowners/umbrella/auto insurance quote. I was previously a customer of XXXX XXXX but switched to XXXX XXXX for better rates and provisions. The XXXX XXXX letter is attached indicating I was turned down based on an erroneous and defamatory " mysterious disappearance '' coding of a loss claim that was reported to XXXX XXXX  by LexisNexis Consumer ( or XXXX XXXX ) and I made a request the same day to LexisNexis Consumer Center as indicated on the letter. I should have received a reply in the form of the written report disclosed to XXXX XXXX but did not within the 60 days allowable. I also asked XXXX XXXX through my law office to disclose to me the same information which was taken from XXXX XXXX 's recorded and/or reported to LexisNexis by XXXX XXXX XXXX XXXX XXXX refused to provide me my own records from my insurance claim which was neither mysterious nor a disappearance but in fact a loss reported to them and to the facility where the loss occurred and a search was done without success. 

Because LexisNexis forces the consumer to complete the demand form on line and fails to provide a copy of the request, I do not have a copy to provide herein, Clearly this is purposeful on their behalf.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I HAVE SEVERAL DIFFERNT ACCOUNTS THAT DOES NIT BELONG TO ME ON MY CREDIT REPORT I HAVE SUMBITTED FTC REPORT AND DISPUTE LETTERS TOO EACH COMPANY AS WELL AS PROOF OF IDENITFACTION AND I NEVER HEARD ANYTHING BACKK ACCORDING TGO THE FCRA THESE UNVERIFED XXXX SHOULD BE REMOVED IF CANT BE VERIFED ALSO I HAVE ATTACHED MY ORIGINAL COMPLAINT WITH THIS AS WELL
Consumer complaint received 2024-05-01
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (WA)

I received notice from Coast Professional , IncXXXX dated XX/XX/2023. They are attempting to collect a debt, which they also placed as delinquent on my credit report. Their notice said that I had until XX/XX/2023 to write to them to dispute the debt. Their notice said to send the dispute to their email " XXXX '' I sent them a letter on XX/XX/2023 explaining that I was disputing the debt and requested verification of the debt, fees and the name and address of the original creditor. 
They have not responded to my request. 
Furthermore, they have continued to send me letters demanding payment, and also continued to call me on my phone.
Consumer complaint received 2023-09-20
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. (PA)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 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 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 2023-03-12
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: TD BANK US HOLDING COMPANY (IL)

In accordance with the fair credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX have ALL violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-05-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (OH)

I had a two year lease on a XXXX  XXXX XXXX XXXX through Ally and XXXX XXXX XXXX. 
My vehicle, aside from a small stone chip on the right bottom front windshield that I immediately had filled after it happened, was in perfect condition. I was warned to make sure that I take as many pictures of my car as possible when grounding it and now I know why. I took pictures of my car in broad daylight from every angle and Ally said they can not accept them because they are blurry They most certainly are anything but blurry. 
I am fully prepared to pay for any overage on mileage but I am certainly not paying for fraudulent charges. I found several posts on XXXX regarding Ally doing the same thing to other people and one specifically referenced an XXXX XXXX lease. 
I attached a copy of the charges which references {$2400.00} but Ally is now charging me {$3100.00} with no explanation. 
When I try to call and speak to someone, I hold for 20-30 minutes and then the person I speak to says they cant help me and when I ask for a supervisor they disconnect my call.
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland credit is attempting to collect that on an account. Thats over eight years old. They tried in XXXX XXXX XXXX and garnish my wages which was cancelled and my wages returned. Now they have attempted in XXXX XXXX XXXX to garnish my checking account. They first started in XXXX XXXX and this account is through XXXX XXXX XXXX I get numerous calls daily from different numbers and its stressing me out not sure what to do