davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report as it violates the FDCPA and FCRA regulations. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their inclusion violates multiple laws. Please take immediate action to remove these accounts and information.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

On XX/XX/2023 a payment of {$250.00} was made to settle the debt. After the payment was made, a confirmation email was provided indicating that the debt was resolved with this payment. 

As of XX/XX/2023, the account is reporting a balance of {$380.00} as owed and this is not accurate.
Consumer complaint received 2023-06-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report as it violates the FDCPA and FCRA regulations. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their inclusion violates multiple laws. Please take immediate action to remove these accounts and information.
Consumer complaint received 2023-06-23
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (PA)

I was put on as a co-signer on a student loan for a XXXX XXXX using address XXXX XXXX XXXX XXXX CA XXXX. They have used my information XXXX times now, same person, same school ( XXXX XXXX XXXX XXXX  ) and same bank. First loan was removed as fraud {$31000.00} opened on XX/XX/2022. Now the second loan we are trying to get off my credit. They arent being helpful. 
Contact information for new loan is XXXX XXXX XXXXXXXX XXXX contact XXXX XXXX with XXXX XXXX XXXX XXXX. 
The loan was with Nelnet but now might have been sold to another company. 
I have my credit all frozen but the problem is they said they dont do credit checks with co-singers so they keep using my information as fraud.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CT)

UPDATE TO CLAIM # -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DISCOVER has discriminated against me by denying a RIGHT TO CREDIT. Under 15 USC 1602 Credit is defined as the RIGHT GRANTED. Notice it is a fact I XXXX XXXX am the Natural Person and ORIGINAL CREDITOR as defined under ECOA 15 USC 1691a. Notice it is a fact my social is a credit card as defined under 15 USC 1602 for the sole purpose of extending credit. Notice it is a fact I entered into a CONSUMER CREDIT TRANSACTION WITH DISCOVER where DISCOVER ACQUIRED MY SOCIAL and CONDUCTED A FINANCE CHARGE WHERE THE SUM OF ALL CHARGES WAS CREATED MEANING, THEY GAINED MONEY IN THE TRANSACTION WHERE I HAVE NOT RECEIVED ANY BENEFIT. Notice it is a fact DISCOVER has acquired my social aka credit card which is for the sole purpose of extending credit as a RIGHT as defined 15 USC 1691a has acquired funds but has committed ADVERSE ACTION against me denying me a right and denying me credit causing me to suffer and experience harm and has discouraged me from extending further credit. DISCOVER instead of taking this matter seriously with utmost regard to the facts stated they instead continue to violate me and deny me a right and even INSULT ME in telling the follow the XXXX perfectly but yet disregard where it states it shall be unlawful to discriminate against a consumer for the reason they have exercised a right and also stating they will ignore further responses. Notice it is a fact I have exercised a RIGHT TO CREDIT and have IN FACT been DENIED and ABUSED, DISCRIMINATED BY DISCOVER. Notice it is a fact DISCOVER is now in direct violation under 15 USC 1644. IF THIS MATTER IS NOT TAKEN SERIOUSLY AND DISCOVER AMENDS FOR ITS HARM AND ABBUSE SINCE THEY HAVE ACQUIRED MY CREDIT CARD IN EXCHANGE FOR MONEY VIA A FINANCE CHARGE AND GIVEN ME NO BENEFIT.THIS MATTER SHALL ESCALTE. DISCOVER HAS IN FACT ACQUIRED INCOME IN THIS CONSUMER CREDIT TRANSACTION AND APPEARS IT DOES NOT WISH TO PAY INTEREST ON A FINANCE CHARGE AS REQUIRED UNDER THE FEDERAL RESERVE XXXX AVOIDING TAXES AND HAS NOT RETUNRED TO ME THE NEGOTIABLE INSTRUMENT AKA APPLICATION I WILL BE FORCED TO FILE A IRS FORM XXXX AND IRS FORM XXXX AGAINST DISCOVER. I HOPE THIS MATTER CAN BE SETTLED QUICKLY AND SWIFTLY SO BOTH PARTIES MAY MOVE ON..
Consumer complaint received 2023-01-13
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (MD)

Hello. I have been informed that the credit reporting agencies are reporting theres a balance On XXXX XXXX XXXX XXXX that was discharged in my bankruptcy and also I have been released the car and all responsibility to this loan and car. 
They are reporting a balance and inaccuracies on this. 

I have attached proof and Bankruptcy documents that show it was added in my XXXX  XXXX as well as discharged.
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

on XX/XX/2023 I received a phone call from XXXX XXXX XXXX stating I needed to pay a monthly installment of {$81.00} dollars on an American Express credit card debt by XX/XX/XXXX XXXX.I explained to them this amount was paid on XX/XX/2023 -- they stated they had no record of this but I do ( it shows my payment on American Express account spread sheet ) ..this is the second time in 3 months XXXX XXXX Solutions have attempted this double payment " spiel '' ..I became highly agitated when they would not correct themselves..this is excessive erred accounting or attempted fraudulent collection proceedures... it is my understanding they have had multi numerous complaints of this " high handed '' procedure ... I request that they cease any communication to me through preverication as I continue to submit {$81.00} monthly payment
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (LA)

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX
Consumer complaint received 2020-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX - Contacted XXXX XX/XX/XXXX prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX is deliberately suppress my actual payment amounts from the nationwide consumer reporting system. This failure to report actual payment data means my credit reports are missing fundamental information about my credit card repayment behavior that could help my receive better financial offers and save on interest expenses. My credit reporting on XXXX dropped XXXX points as of XX/XX/2023 as the result of increase of one card 's balance, but no reporting of the significant decrease of XXXX card balance from {$4000.00} to {$2500.00}. By suppressing actual payment data, XXXX is making it harder for me to shop for credit and save money on major purchase such as refi home, home improvement, business credit or vehicle.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I had XXXX chase accounts and my account was being garnished for a debt which was on my personal account. Following that I had deposited a check from my car insurance for car repairs in the amount of about {$2100.00} from XXXX. The check cleared and chase froze and closed my joint account. Following that my personal account was cleared for garnishment and and I have a total of {$380.00} of my personal money that I can not access. Chase has tried to get signatures for the check from my lender by calling and the lender will not answer my car is no longer in my possession due to repo and I explained that to both XXXX and chase no one will budge and give me my funds. This has gone on long enough. Ive complained before got a case number and still have yet to hear anything back from anyone
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (AZ)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact exists
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ratchford Law Group, P.C. (PA)

Only XX/XX/XXXX, I received a notice from the police that Ratchford Law Group was taking legal action against me about a debt. The document refers to a judgement, which I was never made aware of. I never received a court date, nor did I ever receive information stating a judgement was made against me. I have 100 % on time payment history and XXXX judgements or collection attempts as of XX/XX/XXXX, as listed on XXXX, and I monitor my credit routinely. 

On the same day that I received the notice from the court, I also received a letter from Ratchford Law Group which listed false information about me. They claim that I made a payment to them on XX/XX/XXXX, which never happened. I have no idea who Ratchford Law Group is, nor would I give some random law firm money without hearing from a judge. In this letter they did not provide any information about this alleged payment, which in my eyes was either completely forged to attempt to misrepresent me to the court, or to try to intimidate/confuse me. It is completely illegal to try to fabricate information about somebody's finances and their actions are violating section XXXX XXXX and XXXX of the Fair Debt Collection practices act. 

My credit report will also list that around the time of the alleged payment I made to this law firm, I had just got a car financed an opened a new credit card, because I was moving to a new residence and was literally rolling quarters together to get first and last months rent for my new landlord, so it makes no sense that I would send money to some random law group claiming there was some wrongdoing on my part while I had just reached a credit score over XXXX. It makes no sense how they claim they " offered me a payment plan '' and that I recently sent them money in the same letter. 

I am filing this complaint and notifying the court that I have made the CFPM aware of illegal actions being taken by Ratchford Law Group to try to get judgements from the court.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (TX)

Citibank allowed debit card transactions to overdraw my account. The problem started on XX/XX/2023 and, since then, they have allowed 7 transactions to post causing {$110.00} in overdrafts. There are still 3 pending transactions totaling {$19.00} that will further overdraft my account. I called Citi on XX/XX/2023, and was told that Citi has a software to decide what accounts they allow to have debit card overdrafts. I'm not sure why this is their policy, but maybe since they did away with overdraft fees, they have to make money somehow. 

The purpose of a debit card is to act like a credit card. Why would a bank allow debit card overdrafts based on some arbitrary formula that is not known to the customer? It seems like a scam to me.
Consumer complaint received 2023-07-13
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: MicroBilt / PRBC (formerly CL Verify) (TX)

I recently did an investigation on my consumer report which caused XXXX  XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!
Consumer complaint received 2022-03-23
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. (MI)

I provided information to Transunion and XXXX from the XXXX XXXX  court of Michigan. Which read as follows we do not report any information to credit bureaus. I sent all proofs they refuse to remove. No 3rd party reports allowed on credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

My account with FLAGSHIP CREDIT ACCEPT was never late! I have had exceptional payment history witH FLAGSHIP CRD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

FLAGSHIP CREDIT ACCEPT Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-06-02
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. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that XXXX XXXX had violated the law by illegally repossessing my car. 

In addition to the illegal repo, XXXX has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that XXXX has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In 2019, the CFPB issued a consent order to XXXX XXXX requiring the company to pay {$1.00} XXXX in consumer redress and to make changes to its business practices. The order found that XXXX XXXX had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against XXXX XXXX alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that XXXX XXXX made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MA)

I applied for a chase sapphire credit card. I submitted my application and got a notice that they needed to do additional review. I 've never gotten anything like that before, so I called chase to ask what was going on.   After wading through a horrible automated phone system, I finally got to a representative who told me that they were denying my application. I asked why, and she said I had too many credit cards already. I do n't understand why that matters. I 've never been late with a credit card payment, I 've never missed a payment. I believe chase is discriminating against me because I 've reached out to the CFPB in the past regarding their terrible customer service and sending my cards to the wrong address.