davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (FL)

I am writing you this letter to inform you that i have indeed been violated or my consumer rights as a federally protected consumer. The federal law under the FCRA states that in order to disclose my personal information they would needed my written consent making them liable also under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have they did right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Also there is not a possible way a debt can be validated under 15 U.S. Code 1692g ( 5 ) ( b ). Law states that there is not an action to assess no credit bureau has the authority to do so. Lastly there is no investigation to conduct under 15 USC 1681a ( e ) investigative consumer report this term means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living it's obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information.

So this means there's no way any credit bureau can investigate. if so send me all the evidence and actions took during the alleged investigation. and send me proof of VALIDATION
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (KS)

Chase Card Services XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Chase debit card charge Acct # XXXX XXXX XXXX XXXX Creditor : XXXX  XXXX XXXX GA Date : XX/XX/2021 Amount : {$100.00} & {$470.00} [ Total charge : {$580.00} ] Reason for reversing charges : Order was placed on XX/XX/2021 & the merchandise was never delivered. 
The Shipping company was contacted, and still there was no delivery made.
Consumer complaint received 2021-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

I received a bill in my minor childs name that was placed into collections with PLUSFOUR INC. when I inquired about why I received a bill in my minors name and the fact that I dispute this since all co-pays were either paid or taken care of by free visits with my insurance and that Ive never received a previous bill I should not be in collections. The woman helping me advised that she would not send the notes that Im also disputing this only send back that it was billed in a minors name. I advised again that this is unacceptable and I also want it disputed as theres no reason for it to go back just to come back to them and then be disputed again and she still refused to add the notes that I was disputing it. 

I also advised her it is illegal to send a collections note to a minor and that if she did not send my notes that Im also disputing this that I would be filing this complaint. If they are true collectors it is their responsibility to ensure that they are not collecting on a minor or the wrong person. They did not practice due diligence and Sent a collections notice in a minors name, and Me as her parent requested that they also dispute it she continued to refuse until I became frustrated and she decided to hang up on me for using the word XXXX and raising my voice. This is unacceptable and this business needs to be looked into as I dont believe they are following laws. 

I have attached a copy of the collection notice in my XXXX-year-old daughters name she is clearly a minor shes not even close to being XXXX years old where this could be a small mistake shes XXXX  years away from being XXXX years old.
Consumer complaint received 2021-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

THIS COMPANY XXXX  XXXX HAS ATTEMPTED TO COLLECT ALMOST 600.00 FROM ME FOR A DEBT OF XXXX, THE CREDIT LIMIT ON THIS CARD WAS {$300.00}, THEY HAVE DOUBLED IT BY THEY HAVE SENT LETTERS AND EMAILS, TO MY PARENTS HOUSE, HAVE ASKEDD MY MOTHER IF SHE WASS MY WIFE AND ASKEDTOLD HER SHE WAS LIABLE FOR MY DEBT BECAUSE, WE ARE MARRIED THIS DISCLOSED TO MY MOTHER WHOM THEY THOUGHT WAS MY WIFE, MY AMOUNT OWED, AND THE REPERCUSSIONS, IF SHE N I DIDNT PAY THIS BILL, THEY CALL 4 TIMES A DAY, MY MOM HAS ASKED THEM NOT TO CALL, SEVERAL TIMES, FINALLY THEY told her, she was spouse and this was our debt
Consumer complaint received 2023-01-18
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC (CA)

Monday XX/XX/2023 apply for a line of credit XXXX and was denied credit. I feel they didn't give me credit because maybe low score or income purposes..which is q violation of the equal credit opportunity act.for discrimination of some sort
Consumer complaint received 2021-05-28
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: Bridgecrest Acceptance Corporation (GA)

XXXX & XXXX fail to delete fraud auto loans from my credit report even though I have submitted and identity theft Affidavit, police report, and my ID which is completely different from the one used to secure these loans my driver license number doesnt even match they still have refused to remove the inaccuracies and have sided with the auto loan company to which both are clearly violations of my rights as a victim of identity theft! On top of that XXXX is apart of the reason my data has been compromised as I was one of the victims of there companies major XXXX data breach and they still fail to help me resolve my identity theft issues which may have been from the affects of that breach. I have submitted multiple disputes all same results with credit companies.
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (FL)

I HAD MEDICALIL INSURANCE THEY NEVER BILLED THAT I HAD XXXX XXXX XXXX XXXX, I HAD XXXX AS XXXX, I XXXX, THIS IS A BILL FOR! XXXX $ I GAVE MY INSURANCE INFORMATION I HAVE 2 BILLS WITH THIS COMPANY AND I GAVE MY INSURANCE INFORMATION AND THIS BILL IS STOPPING ME FROM RENTING A APARTMENT I AM 23 YEARS WITH MEDICAL DEBT
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2023-08-15
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: FC HoldCo LLC (TN)

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2020-03-07
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. (AR)

XXXX XXXX  XXXX  reported a debt on my current XXXX/equifax report. I sent XXXX  the documentation and spoke to equifax on the phone detailing that the account was not in collections and was pulled out on XX/XX/XXXX. Furthermore, the debt was sent to collections in XXXX of XXXX. 
The credit bureaus must wait 180 days before listing medical debt reported to them on your credit report. The grace period allows time to resolve disputes with medical providers or insurance companies before a bill is considered overdue and affects your credit score.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (ND)

I am responding to your recent correspondence received on XX/XX/2023 in regards to American Express Company Credit Card # XXXX. The document you sent me ( which I have attached ) shows 1099-c cancellation of debit Copy B for debtor.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid 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. (WY)

XX/XX/2021 Macys American Express Cr Card number : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WY XXXX ( XXXX ) XXXX I called Macys American Express twice to dispute a charge that is on my account. I cant do it online because the system does not allow me to put the dispute through. I called Macys American Express and customer service completed my dispute on the XXXX of XXXX. A few days later I looked at my account and noticed that the dispute is not recorded. I called Macys American Express again and they told me that they recorded the dispute on the XXXX. I looked at my account to find that the dispute is not recorded. 
I am reporting Macys American Express for not honoring my wishes. XXXX XXXX XXXX overcharged me by {$3000.00} in total. I want to recover the whole amount and part of this was paid with Macys American Express. 
When I called Macys American Express, I found out that Citibank owns them. Citibank is a fraud and should not be allowed to operate! 
I am demanding to have my dispute honored and my funds returned to me. I decide over my money and not Macys American Express/Citibank XXXX XXXX.
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

As a victim of fraud I placed a seven year credit freeze with XXXX, XXXX  and XXXX  in XXXX. A fraudulent account was opened XX/XX/XXXX by XXXX XXXX. I disputed with XXXX, XXXX  and XXXX. The account was closed by XXXX  but not XXXX  or XXXX. Now collection agency trying to collect debt. 

XXXX XXXX fraud department is investigating the fraudulent account. The account was sold XXXX XXXX who sold the account to XXXX XXXX who sold the account to XXXX who denies responsibility and deferred back to XXXX. Portfolio Recovery Associates LLC has started a fraud investigation as well
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Rocket Mortgage, LLC (AZ)

Called Quicken Loans in XX/XX/XXXX to ask what I needed to do or send them to get them to fix the problem of wrong info reported to the credit company 's. Info that they reported my mortgage as being closed and discharged as part of the bankruptcy. It was not discharged, it was showed as an asset. So Quicken should instead report it as being open and in good standing. Was transferred to different department and they told me their was nothing I could do because it was company policy to report it that way. 
I contacted the credit agency 's and sent them copy 's of the bankruptcy, bank statements, and tax statements from Quicken Loans and more, but the company continued to say the mortgage had been discharged. The company sent all the proof to Quickens, but Quicken still refused to change what they reported. I'm a XXXX senior citizen. Quicken Loans has damaged my credit and caused an almost {$7000.00} financial burden on me and now I'm unable to get a refi loan to finish my kitchen. The stress I have been under from this has caused my Dr to put me on more medication. I have had a mortgage with Quicken since XX/XX/2013and always paid no time. Quicken Loans has cause me major stress and damaged my credit.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

Back in XXXX there were some international transactions that were not authorized by me. The bank issued provisional credits due to the issue. This is where my unemployment is direct deposited. It took XXXX to receive my unemployment, then once I get it, the bank took the {$250.00} it had credited me XXXX months ago. 

I contacted them, but they indicated that no one had made any notes, so they had no clue why the funds were taken. Im legally XXXX. They claim they sent me something, but they never did, I need. That money back in my account. 

See this institutional states clearly states that they do not allow international transactions. These were transactions that were made in XXXX. This was clear fraud. I thought it was handled. 

But its not, no one I talk to knows either.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CO)

Hello I am writing to file a complain against Barclay cards. On XX/XX/XXXX I paid off my total balance of {$7200.00}. On XX/XX/XXXX Barclays proceeded to withdraw another {$7200.00} because of my auto-pay settings even though my balance was XXXX. I called Barclays on XX/XX/XXXX to inquire why there was another payment when my balance was XXXX. I called Barclays on XX/XX/XXXX to inquire about the error and was told a payment case will be filed and that it could take 30-60 days to resolve. If find this unacceptable given my balance is XXXX and it was their error. I proceeded to call back on XX/XX/XXXX and was given the run around and said they would escalate it. I called back on XX/XX/XXXX to check and was given the same answer even after talking to a manager. Today is XX/XX/XXXX and the problem is still not resolved. This is an unacceptable customer experience and has cause financial hardship since I am now late on my mortgage payment. Case number is XXXX.
Consumer complaint received 2021-05-29
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. (FL)

In XXXX my credit score was XXXX. XXXX  XXXX removed XXXX off my credit and XXXX  removed XXXX. These are still showing up on my credit report. I have correspondence from all 3 credit bureaus where they responded to me over the last year to my mailing address so XXXX. XXXX XXXX XXXX, Fl XXXX. Now they are stating they can not verify my identity as a reason to have not responded to my consumer disputes. That is at minimum unethical. The most prevalent dispute submitted was XXXX, which was submitted several times did not garner a response at all, moreover within 30 days. I asserted my FCRA rights to no avail.
Consumer complaint received 2017-07-16
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. (FL)

I have been disputing an account from  XXXX  that was a paid off and company agreed to remove the close account which   XXXX   and  XXXX  have removed but transunion keep coming back as verified. I have sent proof to transunion that the account have been removed from the others to please follow suit and they have not complied
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (NJ)

American Credit Acceptance has reported to the credit bureaus that I was late by 30 days on a payment. However, the car was traded in on XX/XX/2023. American credit acceptance customer associate said they don't report to the bureaus until the XXXX or the first of the next month. The car was longer in my possession after the XXXX of XXXX due to the fact the car was paid off by another dealer, who said I don't have to make anymore payments because it was traded in. 
They are reporting false information on my credit stating it was late when it was paid off from the dealer with a trade.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

I sent this below letter to : JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Love, Beal & Nixon, P.C. (OK)

I was contacted by a debt collector in XX/XX/2016. I made an offer to repay loan. The representative told me he would submit my offer and get back to me. A week went by and I got no response so I called him back left a message. Waited another week called left another voicemail still no response. I was served with court proceedings regarding this student loan. I have been in negotiations with them. I made another offer to repay the loan. The same representative called me back and said the company wanted {$50.00} more a month than my offer. I explained I can not afford this at the moment. Once I pay some other debt off I could make higher payments. He wanted me to submit my personal checking info to his company. I do n't feel comfortable doing this. I would like to work with them but {$150.00} a month is all I can send at this time. He said this will not work unless I give my personal checking info.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (CA)

Today, I received a collection on my credit report that I paid. Prior until today, I never received any notice from the debt collect or Harris and Harris pri or to reporting it to my credit so that I could exercise my right to dispute this debt and ask for validation which is my right under the fair debt collection act.