davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

On XX/XX/2023, my XXXX Bill was withdrawn from my account leaving balance at {$10.00}, on XX/XX/2023 I charged a {$36.00} Overdraft fee that placed my account at - {$25.00} for my XXXX Bill charge when my account was not overdrafted causing my account to Overdraft. By XX/XX/2023, the compiling Overdraft fees made my account- {$150.00}. On XX/XX/2023, I called the number on the back of my card, I informed them that predatory Overdraft fees are Federally Illegal, they refused to resolve the situation, the associate I spoke to gave me the name XXXX and refused to give an employee identification number. I then went to the bank branch, the bank tellers told me that they could not do a " Overdraft Fee Forgiven '' because the Overdrafted account was beyond- {$50.00}. I was told the bank manager would call me when she got out of a meeting, she never called. That same day, XX/XX/2023, I deposited {$100.00}. On XX/XX/2023, I was charged again Overdraft Fees placing my account at- {$100.00}. US Bank XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, are fully aware that they are violating ( breaking ) Federal Law without remorse.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I was robbed by Chase for about {$14000.00}. 
In 2021 i was awarded a check from The ERAP Program of Colorado. This check was to help me avoid XXXX during the XXXX outbreak. I in Turn Opened a Chase Bank Account Since the check was a Chase Check. Once i opened the account and established myself with the New Bank account i went ahead and deposited the ERAP check made out to me directly into my New account. I waited the time the bank told to i needed to have it clear. I also held off my Landlord from eviction another few weeks, explaining that he would be paid in full once the check was clear. When the time came for the check to clear. I went to try and make a withdrawal of the funds. I was asked by a Manager of the Branch where i had gotten the check and asked why i was trying to Fraud Their bank with a faulty check. I explained what ERAP was and explained that i was running out of time so please process the check asap. For more then 6 weeks i was given the run around, transfered to different head quarters around the country. I supplied Every necessary proof of the checks legitimacy to no avail. They would not even give me back the check so i could cash it at a cashing center to save my home.Finally i was evicted and lost everything i had to my name. My last XXXX  was spent on trying to keep my family off of the streets until i succumbed and was forced to beg family to atleast let my children stay with them. I ended up literally on the streets in a shelter. XXXX later chase sent an email apolgizing and asking if i would like my account back since they wrongly closed it. But no mention of my check or money. This is a spit in the face to all the XXXX XXXX help Our Government faught for and a blatant slap in my face discriminating me for my appearance and race as i didmt look the part depositing a {$12000.00} check. My family and i did not deserve this. We lost everything we had and are still trying to recover from this.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/ I sent a certified letter ( tracking number - XXXX XXXX XXXX XXXX XXXX ) to Transunion asking to please verify the accuracy of the following 4 unauthorized hard inquires I noticed on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a letter back from Transunion stating that the inquires are verified and reporting correctly when In fact they are not. The inquires posted on my consumer report are not attached or connected to any accounts of mine. I also did not give any written consent to report hard inquires on my profile. Transunion is not doing their job by disobeying the law and violating my rights. 

XXXX In responded to their response back with a second certified letter ( tracking number - XXXX XXXX XXXX XXXX XXXX ) stating that the inquires are not reporting accurate and need to be removed immediately or I will have to seek remedy. 

15 u.s.c. 1681 section 602 A states I have the right the privacy.

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.

15 u.s.c. 1681 section 604 A section 2 states a consumer reporting agency can not furnish without my written consent.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (FL)

I am writing to express my serious concerns and frustrations regarding the status of my accounts. It has come to my attention that all of my accounts have been categorized as " paid, '' and I believe there has been a misunderstanding regarding the legal implications of my financial obligations. 

I would like to address the issue by highlighting certain legal facts related to the XX/XX/XXXX act. As per my understanding, this act placed all property in the United States under the ownership of the United States or its designee. Furthermore, the currency is underwritten by U.S. Treasury notes, bills, and obligations. Based on this information, it is my belief that I can not be held liable for government obligations. 

I wish to draw your attention to Congress 's own words regarding the unconstitutionality of the XX/XX/XXXX act, as expressed in Senate Report 93-549 dated XX/XX/XXXX : " a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to 470 provisions of federal law. These hundreds of statutes delegate to the President extraordinary power exercised by the Congress, which affects the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confers enough authority to rule this country without reference to normal constitutional processes. '' I understand the importance of adherence to legal and regulatory standards, and I firmly believe that my accounts should be marked as " paid '' based on the information presented above. I kindly request a thorough review of my account status to ensure that it aligns with the legal context and my financial obligations accurately. 

I would appreciate your immediate attention to this matter and a comprehensive investigation into the reasons behind the " paid '' status on my accounts.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (KY)

When loan repayment was slated to start in XXXX of 2023 following the abatement during XXXX, my monthly payment was over 4x higher than what was calculated previously. My income has not changed. I have repeatedly tried to call the servicer to find out more information using the number displayed on their website. I am left on hold for hours at a time. Longest I have waited was 4 hours before giving up. I've tried to reach them through various hours throughout the day, in the morning when they first open, the afternoon, and evening before close. I do not understand why it is so difficult to get a hold of an actual person here. I want to repay my loan but their lack of interaction is making it impossible.
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (IN)

The company started calling me claiming I had defaulted on a {$1000.00} bill about three years ago. I have also received 3-4 mailings from them over this period. In the initial call, I asked for the original nature of the debt. They did not respond, just asserted that I owed the money. I have sent two letters to the company asking for written documentation of the debt. I have received no response, but the phone calls continue at least weekly. They leave messages on my home and cell numbers multiple times a week. I have tried to talk to them asking for written proof of the debt, and again received no specifics or response.
Consumer complaint received 2022-10-24
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. (AZ)

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 XXXX XXXX XXXX. 

Accounts : XXXX XXXX XXXX ( Late Payment On Closed & Paid Off Account Only Shows On Experian Report, Letter Sent To Remove Late Payment, XX/XX/XXXX - Inaccuracy ) XXXX XXXX XXXX ( Late Payments, XX/XX/XXXX Only Shows On Experian Report - Inaccuracy ) XXXX XXXX XXXX ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX Only Shows On Experian Report - Inaccuracy ) XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX XXXX {$460.00} XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-10-03
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: GOLDMAN SACHS BANK USA (CA)

I was scammed by offshore XXXX XXXX for over about {$11000.00} and the website doesn't exist anymore XXXX I had begun my dispute processes for over 6 months now and they have only resolved 2 disputes in my favor so far with case numbers : I was also scammed by XXXX which is a XXXX software company that provided fraudulent claims about their softwares that seem to work and make money. All was fluff for sales, basically a scam. They have again resolved only 2 disputes in my favor so far with these case numbers : XXXX & XXXX. 


I was lastly scammed by a XXXX based software company that also has claimed to be the best software that trades the XXXX market for you called " POW '' All these scams are obvious and they are known, I personally had no idea but to try them all out and literally lose much more money than even the investment itself yet the credit card company ( XXXX 's credit card provider ) always resolves the disputes in the merchant 's favor even when they're common sense and obvious scams that are well known by now.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WA)

My account was deactivated due to an extended period of inactivity. I contacted customer support on XX/XX/XXXX and requested to have my account re-activated. I was asked to send a request in writing to their XXXX XXXX Department. I mailed the written request on XX/XX/XXXX. I followed up with a phone call to customer service XXXX weeks later and was told that the letter was not received. I sent another letter via XXXX on XX/XX/XXXX with a tracking number. The letter was delivered on XX/XX/XXXX. I followed up with customer service on XX/XX/XXXX and was advised that the letter was received and my account would be active in XXXX hours. I've contacted customer support on several occasions since and they are unable do give me any further information. I've been told repeatedly that I will just need to wait a few more days. Its been XXXX months!
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION (FL)

i have an incorrect report on my credit bureau reports. Vystar credit union is reporting a balance of {$5700.00} on a car that was charged off. I settled this with Vystar in XXXX XXXX  and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted Vystar ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE HELP!
Consumer complaint received 2023-09-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (MO)

This bill is in collections for an ambulance ride. I have medical insurance that was given to the original company AND the collection company however the collection company said they can not submit to insurance. I do not owe this debt because I have medical insurance to pay for it. I disputed it on my credit, they just updated it so now it would be on my credit even longer.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX   {$1200.00} ( shown as {$1200.00} on my XXXX, XXXX and XXXX   credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. Copies of a billing statement do not constitute adequate validation.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX XXXX has sent collections letters stating I owe XXXX {$400.00} ( shown as {$400.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. An copy of billing statement is not acceptable verification.
Consumer complaint received 2022-12-08
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX | XXXX : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} To whom it may concern you have violated my rights under the FCRA XXXX 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late XXXX with account number XXXX This account does not belong to me. 

INQUIRIES REMOVALS BELOW XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX Thank you for your time and attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

COMPANY XXXX XXXX ( XXXX ) IS VIOLATING MY RIGHT TO PRIVACY BY REPORTING UNAUTHORIZED INFORMATION TO CREDIT BUREAUS XXXX AND EXPERIAN. ON XX/XX/XXXX, IN WRITING, I SENT XXXX XXXX AN OPT OUT NOTICE. ON XX/XX/XXXX I SENT XXXX AND EXPERIAN CREDIT REPORTING AGENCIES PROOF OF OPT OUT NOTICE AND WRITTEN INSTRUCTIONS TO REMOVE ACCOUNT FROM REPORTS. ALL XXXX COMPANIES ARE STILL REPORTING MY PRIVATE INFORMATION. 

COMPANIES ARE VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF 1974 -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE 15 UNITED STATES CODE 6802 `` OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION
Consumer complaint received 2022-12-08
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)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX