davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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: Duvera Billing Services, LLC (FL)

I was applying for a home and was denied due to a derogatory mark on my credit. I have never heard of XXXX Duvera, but somehow they are listed on my credit. Duvera is showing a balance of {$2500.00} and has been charged off as bad debt.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (OK)

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from CAC FINANCIAL : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of Justice AcXXXX XXXX S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXXalarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX grantee, beneficiary All Rights Reserved
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (KS)

I have made at least 3 attempts to get a copy of all of my monthly statements with American Express. 

After hours and hours trying to navigate the phone maze, when I do get a live person, ( who is always from a far away land and is very hard to understand ) they are rude and unhelpful. 

The most recent XXXX man told me he would at least send my final billing statement. 
I could tell he was insincere and I was right. Its been one month and nothing from Amex. 

My request is to get a paper copy ( or even digital ) of each of my monthly bill as for my time as an American Express customer, and then as a Platinum Amex card holder so that I May remedy my past with them.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (TX)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : GS Bank USA ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore.

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes for all of the following information on my credit report with transunion. checking my file alot of data is hindering my file an causeing denials. this is hurting me please correct an remove all data asap.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

So I go this check from my car u bought back in XXXX from XXXX XXXX XXXX in XXXX XXXX and I went to try and cash it and XXXX said they couldnt do it they told me to go to the bank it was from which is Huntington and I did and I couldnt cash it without opening up an account and I did and then I got XXXX in cash and XXXX on my account, I left and I tried to set up a transfer after it went on my account and it wont work any way I do it and I was told to do a bill pay and I tried that and then they told me I was doing fraud!? when I already went in there and they saw my face how am I doing fraud? And I have buisness with them cause I bought a car from them? it makes sense to me, and they told me to come into the branch again, and now they have did something with my account with my money on it and I cant login
Consumer complaint received 2023-07-09
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: TRUIST FINANCIAL CORPORATION (GA)

In the magistrate of XXXX XXXX ruling IRS discharge exempt 10 year XXXX XXXX  bill of credit fund. Disciplinary malefactor judgment appellate and investment banker pleading for mercy. Please be compassionate.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has an item on my credit report that was not verified. XXXX it was updated XX/XX/2016 the company address is XXXX WA XXXX I have never had an account with XXXX I requested verification from TransUnion and it was supposed to be sent within 15 days according to FCRA it was never sent and I want this item removed immediately Legal Counsel has been notified.
Consumer complaint received 2023-10-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

XX/XX/XXXX I inquired about XXXX  XXXX. The mobile service was part of a deal if I received if i were to get XXXX internet. The phone was promised the next day. However did not receive until XXXX XXXX Once I received the phone on XX/XX/XXXX the phone was stolen from a restaurant I went to that night. With that being said I canceled my sevices with XXXX XXXX in XXXX XXXX please see attached. I wasnt nor did I receive any invoices after that. They have put this small amount of {$100.00} on my consumer account as collection. Someone reached me by phone on XX/XX/XXXX. After calling 3x back to back I firmly told the guy I do not owe anything to XXXX XXXX then he told me that they will ruin my credit and add it right away. First thing this morning XX/XX/XXXX I get pings that CCS now shows a collection on all my bureau accts
Consumer complaint received 2023-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (SC)

SANTANDER LATE PAYMENTS ARE SHOWING ON XXXX, XXXX. AND XXXX AND I HAVE REACHED OUT TO GET THIS CORRECTED WITH OUT SUCESS. 

ACCORDING TO FCRA 1681a ( 2 ) A ( i ), LATE PAYMENTS SHOULD NOT BE REPORTED AS NEGATIVE INFORMATION. UPON REVIEWING MY ACCOUNT I DISCOVERED MULTIPLE INACCURATE LATE REPORTS. THIS INCORRECT REPORTING ADVERSELY AFFECTS MY CREDIT WORTHINESS AND HINDERS MY ABILITY TO OBTAIN FAVORABLE CREDIT TERMS. PLEASE DELETE ALL NEGATIVE INFORMATION REGARDING THIS ACCOUNT.
Consumer complaint received 2023-05-31
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. (NY)

Inaccurate credit report information on payment. Payment balance was paid in full. 

XXXXXXXX XXXX Partial Account # XXXX Payment of {$1400.00} was paid in full on XX/XX/
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NC)

I was contacted by the collection agency MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX on multiple occasions requesting that I pay off an unknown debt. 

I am unaware of this debt and didn't have the opportunity to dispute this information. If in fact you believe you gave me the proper notification please send me the certified receipt with my name and signature on it stating that I properly received this debt.
Consumer complaint received 2023-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PLAC Guarantee (OH)

On Tuesday XX/XX/28 I applied for a loan on XXXX They asked for a {$9.00} fee to verify identity and I had to send a picture of my drivers license. Today I get an email to contact https : XXXX and I have to pay a {$75.00} referral fee to be referred to a lender for a guaranteed loan. After this email I checked the XXXX website and the complaints are crazy, stating that they paid the referral fee and still did not get approved for a loan. I didn't think that loan companies were allowed to charges any kind of fees before receiving a loan.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (SC)

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. MRS BPO LLC I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Jim Bottin Enterprises, Inc (WI)

As of XX/XX/2023. XXXX XXXX closed all of its locations in Wisconsin. ABC Fitness manages their memberships along with several other fitness franchises. Instead of canceling the membership because the gym closed its facilities and reimbursing the monthly fee. XXXX and/or ABC Fitness transferred the membership to another fitness franchise XXXX XXXX without any authorization from the member. Now former members are seeing that XXXX XXXX is drawing membership fees from their accounts without signing up for a membership from XXXX XXXX. ABC Fitness isnt taking any responsibilty but they are the ones who are responsible.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid 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: Synovus Bank (WA)

1. In XXXX of 2023, my credit card with First Progress bank ending in XXXX expired. 
2. On XX/XX/XXXX of 2023 at XXXX XXXX, I requested a replacement card by calling XXXX. 
3. On XX/XX/XXXX at XXXX PST, I reported fraudulent charges : XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 4. I had never received the replacement card at this point. The credit card was evidently stolen in transit. 
5. Another fraudulent charge appeared on XX/XX/2023 : XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX} 6. A new card with a new number was issued. 
7. I called again on XX/XX/2023, at XXXX PST regarding the failure of First Progress to remove the fraudulent charges, and how they were showing that I owed them a minimum payment on fraudulent charges. The agent in the fraud department told me the case is still being worked on, and that they need more time, and that the charges aren't my responsibility. 
8. The company charged late fees and finance charges on fraud, and reported delinquency to all three credit bureaus, where I have filed disputes : XXXX XXXX XXXX XXXX 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 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I recently opened an account with XXXX XXXX a XXXX  years ago. The company is committing fraud against the consumer with every purchase. Can you look into the account I have with them and help me retrieve any money from the purchases I payed for with my account. Thanks
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (WI)

I submitted a dispute for LOCKHART, MORRIS & MONTGO located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I haven't personally spoken to anyone and I have Medical Insurance That Would Cover Any Medical Bills I May Have Had. Upon checking deeper into my credit report I noticed this company LOCKHART MORRIS & MONTGO is there saying I Owe a collectuom and I have NO Knowledge of this account. I have had to dispute this XXXX XXXXXXXX company before and now it has popped up as the above company. I have disputed it again and it was removed and now it has popped back up again. Judging I am getting no where with this I am now trying once again. I have never visited a hospital by the name of XXXX XXXX XXXX. I even called my local hospital to ask them on XXXX and they knew nothing about this. I am asking that this company provide the proper documentation to provide validity of this alleged debt. I am asking that they provide original documentation that supports I owe debt to Lockhart , Morris & mont located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would also like to see the bill of sale and documentation where I have given consent for this company and any family companies to access any information on my person. This is a direct violation of HIPPA in regards to protecting my medical and personal health information. This also violates my consumer rights to privacy. Also I Have Noticed That This Company LOCKHART MORRIS AND MONTGO has been reported on multiple occasions for trying to illegally charge people for accounts that aren't the IRS. Seems like a scam going on
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX, XXXX BANK XXXX - XXXX
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

On XXXX XXXX, I attempted to make a purchase on my debit card from Chime. Since Chime is a financial technology, and not a bank, my checking and savings account were opened by Chime through XXXX XXXX XXXX XXXX XXXX Oklahoma. When I took a look at my account via Chime 's XXXX app,, I noticed that all my finds were depleted, and my account was overdrawn. There were XXXX withdrawal by a XXXX XXXX XXXXXXXX on XX/XX/2023 betweenXXXX XXXX XXXX XXXX XXXX, including overdraft fees of {$190.00} for a grand total of XXXX. I am including documents detailing all transactions that have taken place on the XXXX of XXXX. I did contact Chime Customer Service, and was transferred to a call center XXXX. The only action they have taken so far is issue me a new debit card, and possibly a new checking account. As for the restoration of funds, no promises were made, except for investigation of these transactions after funds have been encumbered. I had to call XXXX companies that I owed money to cancel my payment, due to my funds being depleted by the XXXX withdrawals by XXXX XXXX.
Consumer complaint received 2023-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

The complaint is against Mohela, the federal student loan servicer. 

I have made 120 qualifying payments to qualify for public service loan forgiveness. 115 of these payments have been previously certified. I submitted my paperwork for forgiveness on XX/XX/2023. They estimate a 90-180 business days for processing time, which is about 7-8 months. They freely admit it takes only a couple days for the agents to process the paperwork, but they dont have enough agents to process the paperwork. The wait time to have my paperwork assigned to an agent is 90 business days, and then it could take them another 60-90 business days to get approval from the department of education. These delays are unacceptable for straightforward paperwork processing. Whats more, due to student loan forgiveness requirements, I have to be at my qualifying employer at the time the loans are discharged, which means that I am not free to change jobs at any point during this long wait time, lest I risk not qualifying.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/18 my XXXX card was reported as lost. XXXX closed the card ( card number was the account number ), my credit score dropped 102 points behind this. Although XXXX  has sent in an early credit history to Equifax, my credit score only went back up by 20 points. I was in the process of buying a home and this affects me tremendously
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data branch and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-17
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. (CA)

My consumer rights are being violated. I did not give permission or written consent to the bureaus and they are violating 15 USC 1681b. I never enrolled or signed up for any of these and these need to be deleted in accordance to the 15 USC 1681c-1 and 15 USC 1681c-2.SEE ATTACHMENTS