davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-07-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AGS Financial, Inc (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (MI)

To whom it may concern : XXXX XXXX This complaint is regarding account XXXX XXXX, which you claim I owe {$1200.00} for a collection account. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collections agency can not place a collection on a consumers report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Also, a collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the CFR, FCRA and FDCPA : therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC, XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXXXXXX XXXX XXXX XXXXXXXX [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (SC)

I applied for American Express Gold card on XXXX. I got a letter indicating that I have been deined due to FICO sorce with a 3rd party agency. Regardless of the reason for being denied. I have the right to credit. Withholding my access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me access to my credit, please retract my application.
Consumer complaint received 2023-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (ID)

On XX/XX/2023, Frost-Arnett contacted me by letter saying that I have an overdue bill of {$1000.00} and unless I make a payment, they will continue their collection efforts. I sent them a request for debt verification on XX/XX/XXXX, and they have not contacted me or responded to my request in the 30 days following the letter being sent.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I filed a complaint on XX/XX/2023 in reference to information that is not correct in Equifax 's records. I have an initial dispute # XXXX. In which they closed and I have asked them to reopen thru a letter sent. They have the wrong address, it is the previous address and they never updated to the new address, no matter how many times I tell them. They have not updated my credit report. XXXX and XXXX both have. If you call they can not identify me because their information is incorrect. I asked for my credit report and it is a wealth of misinformation. If I did not get my credit report thru an email, and they mailed it to my previous address... what would have happened? 
Loans and credit cards are not updated. Since I can not send personal information, I did not state which ones. School Loans have not been updated. 
Nothing is updated...
Consumer complaint received 2023-08-27
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. (FL)

As Per the FCRA and 15 U.S.C 1681 A-B I am entitled to an Honest and Accurate credit report. For years I have not been able to accomplish this based on Incompetent disputing processes of the credit bureau ( s ). Even when False information is being entered with credentials that don't match my name or social, the inaccuracies and fraudulent accounts have repeatedly been attached to my credit.

Reason : I continue to get generic responses from this company no matter what I send in and no matter how much documentation I provide to support my dispute. So I am going to submit my complaint to the Consumer Financial Protection Bureau. 
I have been attempting to dispute the attached items since XX/XX/XXXX, The Creditors have all failed to respond to direct responses. I have wrote to the bureau and included all original letters to creditors along with a request to remove items based on Failure to respond, which most have failed to respond or remedy for over a year. Many of the items resulted from Caretaker Fraud while I was incapacitated with XXXXXXXX XXXX XXXX XXXX XXXX From a XXXX Accident which has deemed me XXXX since XXXX and Incapacitated From XXXX to XXXX. With a Subpoena there are boxes of Health and Court Records which are able to prove this.

I am submitting this complaint to the CFPB as my Final attempt to have the Items corrected. I am also going to attach any and all documents to support my disputes, all documentation to support my identity and all documents to show my next steps in the event that these items are not resolved. I will have no choice other than to Sue the Creditors reporting the erroneous information on my credit.

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. I can tell by the duplicated notifications and notifications of things I did not dispute and NO NOTIFICATION or response to the things I ACTUALLY dispute. I can tell that the Disputes I am sending are not being processed by a Human or Actual Person. I can tell that there's no correspondence to the Creditors, Just proof year after year that the Credit Bureaus are self-deciding or utilizing software and non-intelligent means Ive submitted Factual Documents Numerous Times as well as disputed Items that dont belong to me. The Bureaus have repeatedly failed to correct the errors and made a mess of my credit report giving me further issues and dispute comments on accounts I do not have issues with or errors on.

Please see the attached disputes and supporting docs which were sent for correction ( s ) The Assistance of the CFPB is Greatly Appreciated.
Consumer complaint received 2023-04-18
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: NEW YORK COMMUNITY BANCORP INC (IL)

In XXXX, XXXX I was reported erroneously to the credit bureaus by my mortgage company Flagstar Bank for a late or missed payment in the XXXX, XXXX and XXXX. Because this information is incorrect, I submitted a XXXX XXXX XXXX to Flagstar on XX/XX/XXXX and they have refused to work with me and remove their reporting in error. Instead, they claimed they investigated and will not make any changes. This error negatively impacted me and my family with the ability for qualifying for any loans and our financial goals. To further demonstrate their error I will attach the response letter from Flagstar, digital image of proof of payment, and bank statement for the the months of missed payment in question.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IN)

On XX/XX/2023, Saturday, I applied the American Express Gold Card online. And when submitting the application, the American Express application system show a notification to me, that I am not eligible to get the welcome offer ( XXXX XXXX XXXX {$200.00} credit after spending {$6000.00} in the first 6 months. ). The notification mentioned that I could still submit the application but the welcome offer might not be gotten approved and applied to my new account. Somehow, I submitted my application mistakenly. And I worried that I can't get the welcome. So, I called the American Express application department immediately and wished they could cancel this application in time. I asked the agent if she could help me cancel the application. And she said she could. However, she also told me that the welcome offer is in my application. And right now, the application is under review. She told me that I could get the welcome offer and asked me if I would like to continue or just cancel this application. With getting the welcome offer, obviously, I am willing to open the card. So, I just told her " fine, I changed my mind, I won't cancel this application. '' and she did the review and told me that my application was approved. 

However, after opening the card, when checking the welcome offer with agent, they told me that it is not in my account due to I am not eligible to get that. I submitted the claim immediately explaining what I underwent. As the result, American Express back department mentioned that they know " the agent over the phone has provided you with the wrong information ''. However, I still won't get the welcome offer. As a customer, I was deceived. This is unaccepted!
Consumer complaint received 2023-12-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (TX)

In XXXX with XXXX XXXX I signed up at the XXXX location in XXXX XXXX while I was working there temporarily. I chose the monthly plan as I was not a resident. I notified them when I left over several emails and phone calls, each time I was told no one there spoke english and they couldnt help me. They did not cancel the account and a balance built up to {$340.00}. I can not cancel at another location now that I am back home and I go back to the original location. XXXX XXXX XXXX has contacted me about a debt collection and said that I need to pay immediately or they will put a mark on my credit and sue me.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/year>, I received a XXXX transfer of {$1000.00} and Capital One sent me an email stating that my account is now restricted. I called customer service and they said they need to verify the transaction from the sender and asked that I provide his phone number or else my account will be closed. She also asked a lot of questions like why I opened an account with Capital One and what was the purpose of the funds which were strange questions but I answered all the questions. 

I got his phone number and called back. The agent I spoke with said he tried calling and the sender was not picking up and asked that I reach out so they know a good time to call. I reached out to the sender to let him know Capital One was trying to reach him. I called customer service again and the agent was able to call the sender. She verified that he sent the money, came back to me to let me know she spoke with him and verified he sent the money but my account will still be restricted and closed while they conduct their investigation. I asked how I could access the funds in the account and she said after the investigation is complete, I will get a check in the mail. I asked how long the investigation would take and she said there was no timeline and hung up. 

I called back and spoke with another agent that said the same thing. The banking relationship has ended, it does not matter that they have confirmed the funds, they will do an investigation and only the good funds will be sent to me. I asked why she meant my good funds and she could not explain, just said it will be based on the investigation. She then said I can go to a branch to withdraw if I didnt want to wait for the check. 

On the same day, XX/XX/year> went to the Capital One branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX l, presented my identity card and spoke with someone in the customer service who spoke to someone on the phone and told me that the person that said to come to the branch was wrong. I should wait for the check in the mail after their investigation. Again I asked for timeline and she said there was no timeline. I called the sender of the money and put him on speaker phone and asked her to explain to him. She said the same thing - my account has been restricted and they are conducting and investigation and XXXX not have access to the funds until the investigation is complete and there is no timeline
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NC)

Business credit card was offered with a {$500.00} bonus if {$4500.00} was spent using the card within 150 days of account activation. Promotion included unlimited employee cards and card paid a favorable percentage back on fuel purchases, which is the obvious selling point of this business card. 

On XX/XX/2023 I activated the card, and shortly thereafter I requested and received employee cards for those employees of our business that drive our trucks and therefore spend money on fuel. 

We reached the {$4500.00} threshold within 60-90 days of account activation. US bank failed to pay the promotional {$500.00}. On XX/XX/, I received a letter stating that I did not meet the promotional requirements. When I contacted US Bank, the reason they provided was that the promotion was only for my individual card - and not the business account as a whole. That is a blatant lie. The account is in the business name, it was signed up in the business name, and it is a business card for business purposes- specifically fuel purchases. US Bank is being disingenuous at best, and at worst they have committed fraud - which in North Carolina is subject to the North Carolina XXXXnfair and Deceptive Trade Practices Act ( UDTPA ), which is found in Chapter 75 of the North Carolina General Statutes. 

I contacted US Bank but received no assistance in resolving this issue. 

US Bank owes me {$500.00} now, or I sue them and claim {$1500.00} in treble damages.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX, fraudulent charges were made to my Capital One CC. These charges posted to my account on XXXX in the amount of XXXX. Initially, the card issuer reversed the charges. However, 48 hours later the charges reappeared on my account. Upon noticing the charge, I contacted the card issuer and they explained that their investigation revealed no fraud. I promptly cancelled my card. However, the charges were indieed fraudulent, and I am seeking remediation with the CFPB accordingly. Thanks very much for your time.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (FL)

I was denied a bank account with XXXX XXXX  due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from JP Morgan Chase. After having XXXX XXXX XXXX investigate the accounts, they confirmed that the information furnished by JP Morgan Chase was not 100 % complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.