davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MO)

I resolved a debt from XXXX with Midland Funding LLC, XXXX XXXX XXXX  and they took me to court in XXXX. I never recieved a proof of debt where the collection agency bought the debt and that I owed them the amount still. They put a lien on my property and never sent paperwork to arrange payments on this matter. Fast forward 10 years later and they filed a motion with the assistance of XXXX and XXXX representing them. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), MO XXXX. Phone : ( XXXX ) XXXX to revive the debt/judgement. They did so on the day before the 10 year grace period expired per the XXXX XXXX RSmO XXXX. When I called about the proof of debt they stated they didnt have correct address to send me paperwork then stated " we tried to but we didn't have the correct address and it got a notice to return back to sender '' however, if they did in fact try and send said paperwork how were they able to send me summons to appear in court to the same address they had on file? I went to my court hearing today on XX/XX/XXXX in XXXX XXXX and the mediator for the attorney 's offfice who doesn't even work for XXXX and XXXX stated they didnt have to send me anything to pay the bill or set up a payment plan which doesn't seem ethical at all. Now the original debt they said that I owed was {$6400.00} and that they incrued interest of {$6000.00} which made my total debt {$12000.00}. That amount spanned over 10 years is an interest rate of 20 %. Now I am an XXXX XXXX XXXX XXXX and that amount is against the law per XXXX and XXXX XXXX. XXXX The XXXX percent interest rate cap. 50 U.S.C. 3937 The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to and during military service to no more than six percent per year, including most fees which can be found at https : //www.justice.gov/servicemembers/servicemembers-civil-relief-act-scra # : ~ : XXXX % 20 % XXXX % 80 % 93 % XXXX % XXXX % XXXX % XXXX, per % XXXX % XXXX % XXXX % XXXX % XXXX. 
Furthermore, the action taken by this company I beleive violates XXXX Missouri statute MO XXXX XXXX XXXX that limits the amount of time they have to collect on an old credit card debt they wish to settle. Lastly, I tried to contact XXXX and XXXX to resolve this debt and they were beyond rude with me and basically stated that they would not settle for any less than the {$12000.00}. I beleive they are trying to bully everyday citizens and are violating the protections of servicemembers. Please advise on what I can do to resolve this. Thank you for your assistance and have a great day. I can be reached at XXXX or XXXX.
Consumer complaint received 2017-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

I submitted a withdrawal request in the amount of {$7900.00} from Coinbase on XXXX XXXX, 2017. Funds were promised to be delivered to my bank account by XXXX XXXX. I have submitted a support request with Coinbase, but it has been 4 days, and I have not received a response.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Timely payments have always been a priority for me regarding this account, ensuring that they are never overdue. I'm perplexed by the presence of late payment remarks on my accounts. It's important to note the provisions of 15 USC 1666b - Billing Error, which necessitate corrections when errors occur.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$750.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-09
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I paid my capital one quicksilver credit card using my capital one 360 account and it triggered a fraud lock on my account. Both accounts are on my capital one app. This has been happening for the past three years, every few months. I have called and asked them to stop doing this because restricting my card has dangerous effects. I was once stranded in the city with now way too get home because I didnt have use of my card and could request an XXXX, pull cash or purchase a XXXX  card. When I asked why this was happening, I was told that I am paying my credit card bills too fast and too often. I am sick of this stupid card and the time it wastes every time I have to call on to unrestrict it. If I could closed all the capital one accounts without it affecting my credit score, I WOULD!
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX  XXXX Bankruptcy Reference # : XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX  Year : XXXX Make : XXXX Model : XXXX XXXX : XXXX To Whom it May Concern : Please be advised that the above-referenced, charged-off account was settled in full for less than the amount owed on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) recognizes that the above-mentioned debt has been settled in full. 
We are in the process of updating our records to reflect the settlement of the above- referenced account. Please allow up to thirty ( 30 ) days for all updates to be reflected with the credit-reporting agencies. Also, please be aware that XXXX is merely a furnisher of credit histories maintained by any credit-reporting agency. XXXX XXXX XXXX can only make requests that changes be made to the credit history and can not guarantee such requests will be honored. 
If you have any questions, please contact XXXX at XXXX. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All rights reserved. XXXX
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (CA)

I want to let the credit bureaus know that I was a victim of identity theft and that I want these bogus items that are the product of suspected identity theft removed from my credit report. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 

XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES (VA)

I received a garnishment summons in the mail from c/o Zwicker & Associates, P.C that are representing XXXX XXXX XXXX XXXX on approximately XX/XX/2019. This is in the amount of {$2600.00}. I tried contacting them to find understand what was going on and what this debt was about. I then sent out a certified letter on XX/XX/2019 in an attempt to have them validate the debt. They did not respond or answer the letter that I sent out which should have been delivered on XX/XX/2019. I have had my personal information compromised in the past and want to be notified of what's going on. By law they must validate this debt and provide evidence showing my signature on it showing that I have an agreement with them. They need to comply with the FDCPA and verify the information or have it deleted. It has been over 30 days and they refuse to validate the debt or even show that I am disputing it which is a violation and I am owed {$1000.00} in damages for this.
Consumer complaint received 2023-05-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit.
Consumer complaint received 2022-04-19
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. (AL)

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 U.S.C 1681. XXXX XXXX # XXXX, XXXX  XXXX  # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX  # 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 ORHAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I'm currently having an issue with venmo freezing my account after attempting to make a bank transfer. I was then told to upload a state issue photo ID in which I did. Once I uploaded a picture of my state issued photo ID I was then asked for additional information that wasn't originally asked for. I have been asked for bank statements to every bank that's tied to my venmo account and every card that's tied to my venmo account. I have been asked to upload a picture of myself standing in front of the photo ID. I also have been asked for government documents with my name and address on it to verify furthermore. I believe this is an excessive amount of data and it's also a security issue. And to top it all off I was only originally asked to upload a picture of my government issued photo ID. These assessors recommendations has called extreme hardship on my current situation and also my mental well-being. Not least I was told that there was a violation on the account and that's why it was frozen and they wanted to make sure that I was the owner of the account but they never said what the violation was exactly.
Consumer complaint received 2017-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Data Corporation (IL)

There 's INFLATION & there 's DEPRECIATION! Systems like XXXX XXXX XXXX XXXX XXXX XXXX XXXX S DEPRECIATED in value! I 'm not paying more than {$170.00} for USED VALUE to get my account REINSTATED with XXXX! They can keep with NO EXPIRATION DATE XXXX Store Card ( XXXX 's Credit Card ) with them!
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (TX)

- I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2022-10-19
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. (OK)

I am a victim of Identity Theft and I am hoping the fcra and the consumer protection bureau can assist me in getting my financial life back together. The Credit Bureaus are not doing the right thing here. All the accounts listed below are fraudulent and should be deleted immediately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX [ Please remove THE ADDERESSES LISTED BELOW ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  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
Consumer complaint received 2023-03-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am here by putting you in notice of the obvious violations Bank of America has done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? 

A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of XXXX in violations. 

I willing to see past the violations and demanding that you report as paid off and XXXX balance along with the late payments or have that account removed immediately. 

Those are your only options before you force your sue.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (SC)

Hey I financed my car on XXXX XXXX XXXX I remember getting it I had to pay XXXX total for the down-payment! After that they also read to me the contract really fast and told them to slow down so that I could fully understand what im hearing so after that before and after I signed the contract I asked the salesperson numerous of times was there anything wrong with it because the engine light was on! So they did the inspection and they said everything passed! So, the salesperson said don't worry about it!! It's just the censors that are messing up so I just went and got the codes clear and thought nothing of it until I realized a few weeks later which fell on the week of the the XXXX XXXX XXXX XXXX  I attempted to contact them which was during my 30day warranty that next week while my 30 day warranty was still active I asked them was there anything wrong with the car they said no everything is fine so I said okay and let it go They told me it was 1 previous owner that had it but not the prior damage they caused on the vehicle! So I found that out on XXXX myself that they had 4 previous owners that could of possibly caused damage to the car before me getting it also on XXXX  it said they resold it so many times due to the damage that was already done to the car. I also tried contacting them within my 30days of my warranty I remember it was up XX/XX/XXXX which fell on a Saturday which was technically my last day of my warranty being active. I'm thinking they could of worked something out since my warranty fell on a Saturday and it wasn't fair becuase they were closed on weekends so when I called up that Monday of the XXXXXXXX XXXX XXXX XXXX they said there was nothing they could do and to contact other warranty companies to see if they could help I was so furious I didn't know what to do... So I just kept contacting them like why wasn't u guys honest now I am stuck with a car thats not even up depar and my total amount I owe is XXXX and I had it for almost a year now and saying I only payed XXXX which is really approximately XXXX!! I just hope us as the consumers get justice!! I had to even make investments on this car already and havnt had it a whole year yet my exhaust leak cost {$600.00} and that's including the brakes I had to get fixed with this car and that was after XXXX so I'm really hoping we can get justice!! The sales price on my car is {$10000.00} for my XXXX ... .Im basically paying XXXX extra over the salesprice which is XXXX I owe Also I spoke with westlake portfolios as well and even mentioned to them about it to see what they could do but... nothing is what they told me they have poor customer service skills and and really big on just collecting the payments and thats it so nothing has been helpful