davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roosen, Varchetti & Olivier, PLLC (GA)

This complaint is regarding Roosen, Varchetti and Oliver-GA PLLC . Hereafter referred to as RVO-GA PLLC . RVO-GA PLLC is attempting to collect a debt in which they say I, XXXX XXXX XXXX XXXX , owe RVO-GA PLLC and their XXXX  XXXX XXXX a total amount of {$2600.00}. 
On XX/XX/year> I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from RVO-GA PLLC on XX/XX/year> stating that I must respond in writing or via phone call requesting me to validate the debt thats owed and to provide them with a response by XX/XX/year>, and I did. I, XXXX XXXX XXXX requested RVO-GA PLLC to provide me with competent evidence bearing my actual wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with RVO-GA PLLC, and their client XXXX XXXX XXXX as an obligation to pay their client . This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. 
Once again, XXXX XXXX XXXX, XXXX hired yet another contracted law firm previously here in the State of Georgia after deceptively e-filing a garnishment on XXXX ( Case : XXXX ) XXXX taking {$2600.00} from my XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
And now, they are at it again with a new Law Firm RVO-GA PLLC two weeks later continuing to utilize deceptive unfair practices to continue to extort. RVO-GA PLLC and their client XXXX XXXX XXXX is continuing to violate my consumer right once again according to FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. RVO-GA PLLC and their client XXXX XXXX XXXX is continuing utilize unfair deceptive illegally practices by continuing to garnish my XXXX XXXX XXXX XXXX XXXX without any formal or legal notice prior to their requested response deadlines. 
XXXX XXXX XXXX, XXXX already fraudulently took {$2600.00} on XXXX and now they attempting to deceptively file an additional garnishment with RVO-GA PLLC to take {$2600.00} from me again.
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2016, I used Capital One 's new XXXX payment system and sent XXXX {$350.00}. The service allowed me to send a payment to XXXX by her phone number XXXX. XXXX never received the funds and our investigation began. Trace number for this transaction is XXXX. 

In short, the funds were transferred to an account at XXXX. An account that was closed 5 years before this payment 's submission ( XXXX does not currently have a XXXX account ). We were told that XXXX ( Capital One 's service provider for XXXX ) saved XXXX 's old information and the funds were automatically sent. When speaking with XXXX, they claim funds can not be transferred to a closed account and those funds were rerouted back to the sending party. As it stands now, Capital One is refusing to investigate further, XXXX indicates they do n't have the funds and XXXX wo n't speak with me. 

To date, I have spent over 12 hours on the phone with 10 different Capital One agents, 4 Different XXXX agents and XXXX person from XXXX. Capital one claims they located the funds, but can not support us in returning them. XXXX claims they do n't have the funds and XXXX wo n't comment. I 've even bridged a call between Capital One, XXXX, XXXX and myself. Which resulted in a stalemate of no one claiming responsibility. 

Sadly, the facts listed above to not touch on how irresponsible Capital One has been in the matter. A representative from Capital One ( XXXX ; AgentID XXXX @ XXXX ) indicated " this product roll out has been a very big mess and we should get your funds back ''. Three weeks later, XXXX called the day before XXXX to tell me that the issue is my problem, because the recipient has bad information in XXXX. I explained this is a XXXX service offered by Capital One and there should be systems in place because consumers do n't know who XXXX is and the consumer is not responsible for managing a XXXX account. 

Please help, this is a crime.
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (RI)

Ive never had a contract between me and this company and its reporting on my XXXX  credit report please have it removed, it is prevent ting me from purchasing a home, ima veteran or XXXX and XXXX. Please help if you can.
Consumer complaint received 2023-05-13
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX Balance : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$71.00}, XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX Original creditor CXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$290.00}, IXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX Original XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Payments Check Services, Inc. (TX)

I pulled my credit report and noticed that  XXXX   XXXX   XXXX  are reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Texas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.
Consumer complaint received 2024-06-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lockhart, Morris & Montgomery Inc. (MD)

Lockhart , Morris & Montgomery is trying to collect a debt that has passed statute of limitations within my state, please see prior complaints. 

Also, I requested a assignment of debt, which they have NEVER provided. Therefore, they have no right to try and collect.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (DE)

Come its XXXX XXXX credit card account is closed. The company is now reporting as past due not paid with a balance. On XXXX XXXX spoke with XXXX XXXX who was supposed to have a letter sent and account closed. This was not done. On XXXX XXXX spoke with XXXX XXXX option XXXX ext XXXX Says that an updated letter balance in full dated XX/XX/XXXX showing a XXXX balance. Says the account is not past due and is being reported incorrectly as there is no balance.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2017-08-16
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. (NY)

I have spoken to Transuion about XXXX different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me.
Below are the following listings : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry :XX/XX/XXXXBank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX
Consumer complaint received 2023-05-04
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. (VA)

In Accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX Account XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (TN)

I am in the process of fixing my credit and this debt old debt comes from out of no where have never seen it before. The company tells me the date only and nothing else. At that time I had a XXXX XXXX for 12 years and paid it off with XXXX XXXX. This is not my debt. I want it removed.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NV)

Chase reported derogatory information to my consumer credit report. I am not responsible for the account reported on my consumer credit report. Chase has failed to send any initial communications to my address including debt validation information. I requested a copy of a signed card holder agreement and was sent a blank sheet of paper.i have attempted disputing the debt with the credit bureaus multiple times, only for Chase to claim the debt is verified.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXXXXXX XXXX  XXXX : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Denefits LLC (TX)

Denefits has done 2 unauthorized debits on my debit card ending in XXXX. They typically request permission to do so and I have written proof of the requests to debit my card. However, they are not asking my permission and has caused me financial hardship Also, the card I put on the account is no longer active. I used another card for a one time transaction, they stored it without my permission and have debited it twice without my permission
Consumer complaint received 2023-08-20
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: National Credit Systems,Inc. (AL)

Disputed unauthorized accounts with National Credit Systems and XXXX XXXX XXXX in XX/XX/2023 and XX/XX/2023. They are both publishing unauthorized accounts on my report without providing proper validation as mandated by the FCRA and FDCPA. As of today, they have purposely failed to provide : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and XXXX XXXX XXXX with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I put in a dispute with Experian for a XXXX bank account # XXXX XXXX 2023 and I called them because I received a message saying that the dispute was ready and that it was confirmed that it was mine and I asked them to send me the paperwork that they received they said that they already sent it when I didnt receive nothing by mail so I said if they could send it again and they said that they could not send it again so if you could help me resolve this problem please
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I purchase my car from US auto sales XXXX XXXX and was financed through a company called XXXX. A month later I get a email stating that US Auto and XXXX was no longer my finance company and it was transfer to Westlake Portfolio but no paperwork was signed or anything with this company and now US Auto Sales is in a class action lawsuit.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (MN)

These accounts and inquiries are not mine they was made without my permission, consent, inquires Santander Consumer USA Reported : XX/XX/2022, Opened : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2023-02-12
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. (CA)

I disputed a charge off account on my Experian credit report that has incomplete and inaccurate information. Experian did not do a thorough investigation and the charge off remains on my credit report. The account was last updated on XX/XX/2020, with a status of charged off. The account history shows a 30 day late, a 60 day late, and then a charge off. From my understanding, charge offs do not occur until after 120 days. The account also appears as a car lease, when I did not lease a car with the company. The account also has no date of last activity listed.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I received a check from my tenant on XX/XX/XXXX. I deposited into my XXXX XXXXXXXX XXXX account ( the check was a Chase Bank check ). The check came back on XX/XX/XXXX stating 'UNABLE TO LOCATE ACCOUNT ' This was attempted again on XX/XX/XXXX with the same error. The problem is that the border of the check obscures the XXXX numbers. These are numbers on the bottom of the check to locate account number and routing information. At one point the teller and XXXX XXXX  XXXX manually wrote the account number at the bottom of the check. This should be a very simple resolution. I have also had this same issue from another tenant with a Chase Bank account. So there appears to be a problem with the alignment of the checks. The customer service at Chase has been nothing short of appalling. In my opinion they don't appear to understand what a XXXX reader is or the purpose of the XXXX characters at the bottom of the check. I have {$4200.00} which I have been unable to access since XX/XX/2024. 

In the attachments I have provided a copy of the check and subsequently XXXXwo instances which states the inability to locate account.
Consumer complaint received 2023-07-10
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. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.