davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
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: BARCLAYS BANK DELAWARE (TX)

I am writing because Ive been in contact for months with Barclays to dispute a fraudulent transaction on my credit card. Ive been transferred between the dispute and fraud departments every time I call. Ive been told a supervisor is never available but that one will call me back, and yet Ive never gotten a call back. 

The dispute I have is regarding a transaction on my Barclays account where a merchant overcharged me. I was in XXXX XXXX, XXXX at a bar on XX/XX/21 with a friend, and when I attempted to pay the bill for drinks, I was told we owed {$8000.00} XXXX XXXX. I handed my XXXX credit card I use for daily purchases to the waiter who walked away to charge the card, but when he returned, I was told the card declined. 

I then proceeded to attempt to pay with another XXXX card and I was told it declined too. The same happened with a XXXX XXXX I tried to use. I then tried to pay with my Barclays card, but again the waiter returned to say the card declined, and I would need to pay with cash. A representative of the bar then took me to a nearby ATM, and I made a withdrawal, and paid my bill in cash to pay this. I was given no receipt, but I was allowed to leave the bar at this point. 

It was not until I checked my Barclay account online much later that I discovered the Barclays card was charged! Not only was I lied to about the transaction, but the card should NOT have been charged at all because I paid in cash, and the amount also charged is outrageous, and not in line with my bill that day. Plus, I never signed a receipt for that charge. When I noticed the charge, I contacted Barclays to help resolve the matter because I had no way to contact the bar, and I do not speak good enough Spanish to have been able to discuss the matter with them either way. 

I provided a copy to Barclays of the ATM transaction for the cash that I used to pay the merchant, as well as the text messages from both XXXX XXXX & XXXX showing the merchant was trying to charge my account random and outrageous amounts which were not authorized by me and are clearly fraudulent. To date, Barclays has denied my claim once, providing no explanation.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.
Consumer complaint received 2021-07-28
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: AMERICAN HONDA FINANCE CORP (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-11
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: EQUIFAX, INC. (FL)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ]. COLLECTION # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ] XXXX XXXX. # XXXX  which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ] This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 



Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 



Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 



Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 



Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I have been disputing a debt owed for {$1800.00} for the past year. It has been removed from XXXX  and XXXX, yet Experian continues to add it without providing me with documentation of how I owe it. 
I will attach a police report I filed in XX/XX/XXXX. Please see my past complaints where I also complained on other parties involved. 

I have gone as far as to contact the original creditor, who had no knowledge of who I was. Because it claims to be an apartment rental, I contacted all of the utility companies in that area who stated that do not have a bill in my name and the cable company XXXX  said that the particular apartment in question does not exist. The postal service there also could not access it.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

On Today XXXX XXXX I noticed on my credit file that Vance & Huffman placed a collection on my Credit file .Vance & Huffman has violated my consumer right Pursuant to 15 usc 1692 a ) '' Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium in this specific case you Vance & Huffman used ( XXXX  credit reporting Agency ) to communicate to me indirectly with me a consumer who is defined under Pursuant to 15 usc 1692a ( 3 ) as any natural person allegedly obligated to pay any debt. You Vance & Huffman are also in violation of USC 15 1692b ( 2 ) which states you may not state that I a consumer owes any debt. You are also in violation 15 USC 1692e ( 2 ) ( A ) by giving false representation of the amount owed to you or deceptive means to attempt to collect any debt Pursuant to USC 15 1692e ( 10 ) Vance & Huffman has also violated my consumer right Pursuant to USC 15 1692 e ( 9 ) articulates that the use of any written communication which you creat false impression as to its source, authorization, or approval as Vance and Huffman is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to USC 15 1692a ( 4 ) Vance and Huffman pursuant to USC15 1692 a ( b ) are in violation as I never gave my Personal information directly.
Consumer complaint received 2021-03-22
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. (SC)

I finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

Subject : Discrimination by America Express, refusing to remove more than XXXX XXXX XXXX adverse account information Dear Sir or Madam, Date : XX/XX/XXXX. 

Thank you for writing to me in response to my letter dated XX/XX/XXXX, stating that I should submit a complaint online. 

Here are some lines for your consideration and needful action. 

In XXXX, XXXX, I applied for an American Express Card and was denied. Ameican Express wrote a letter stating that because I was listed as an old unpaid account, they denied the credit card. 

Currently, I have excellent credit with a FICO score of more than XXXX and have open credit accounts with major banks and financial institutions, On XX/XX/XXXX, I called and spoke with a Manager at American Express and explained to him that about 24 years ago, in XXXX, we had a business that went under because of recession, unemployment and severe economic climate. We lost our business and as a result, many credit cards including American Express were unpaid. Manager told me to write a letter to them for consideration that I did. ( Copy enclosed ). 

Unfortunately, American Express wrote a letter dated XX/XX/XXXX, declining my request to reconsider. 

Therefore, please take necessary steps so that Ameican Express does not discriminate consumers like me for an old debt more than 20 years ago while other creditors have extended credit. 

If you have any Questions or suggestions, please feel free to contact me.

Thanking you, Yours Sincerely, XXXX XXXX
Consumer complaint received 2021-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc. (NC)

Pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act, the Fair Debt Collections Practices Act and HIPAA compliance laws, I am filing this complaint against STERN RECOVERY SERVICES because of a invalided debt that was placed on my credit reports without due process ... .process to include, Notifying me of their attempt to collect on a debt that I have no knowledge of and they never sent me a letter or notice, they just placed this bad debt on my credit report.

Based on the above mentioned Federal laws they are clearly in violation of my rights as a consumer. The alleged debt amount that they are attempting to collect on is {$110.00} the original credit is XXXX-XXXX  XXXX. 

As a XXXX  on the XXXX XXXX XXXX XXXX each and everyday I find it insulting for this agency to use deceptive strong armed tactics in an attempt to ruin my credit rating. I am truly aware of my rights under the HIPAA and they have clearly been violated.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this date, 90 days later, I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 90 days and I am demanding these accounts are deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Subject : Closing of fully current Credit Card account with no notice provided and forfeiting of cash rewards in the amount of USD XXXX. 
Details : I received notice in mail on XX/XX/XXXX that XXXX has closed my Paypal Credit Card account. The reason provided were two missed payments in the last 12 months. In each case the payments had been set to autopay and were returned by the bank due to funds being insufficient to pay the full balance ( funds would have been sufficient to pay the minimum balance by XXXX made no attempt to seek such payment via autopay ). In each case the minimum balance payment was outstanding for only a few days after which I noticed the clerical error and manually paid down the full balance. At the time when XXXX closed my full account I had paid my full balance and was fully current on my account. XXXX 's policy of not giving me any notice period led to me being unable to access my cash rewards in the amount of USD XXXX. I strongly suspect that the unclaimed balance of cash rewards was the true reason for the closing and that the temporary autopay issues are used as a pretext to profit of the forfeiting of the cash rewards balance.
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

In XX/XX/2021 PayPal closed my PayPal account which still had XXXX in the account. This was closed because a customer sent a payment via friends and family instead of goods and service by mistake, PayPal said this was against their policy and closed the account. They said they would have to hold funds for 180 days. I have gone to look and they have transferred the funds in the account to themselves. I have range them up to ask why and they said because of that policy violation. However, that money is mine and I did not authorise the transaction. 

Have full documents to prove it etc Transaction ID : XXXX Transaction details Print Correction XXXX XX/XX/2021 at XXXX XXXXTransaction ID : XXXX Payment status : COMPLETED Gross amount XXXXXXXX XXXX We have no postal address on file Your payment Gross XXXX XXXX PayPal XXXX XXXX Net amountXXXX XXXX Contact information PayPal Funding details Funding Source : PayPal balance Funding XXXX : XXXX XXXX - PayPal Account Need help? 

Go to the Resolution Centre for help with this transaction, to settle a dispute or to open a claim. 

MemoXXXX XXXX ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal XXXX Damages caused to PayPal by Acceptable Use Policy violation ( s ) ;.
Consumer complaint received 2021-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (TX)

I perform a credit transaction with XXXX XX/XX/XXXX. I notice that there was a loan application with American Credit Acceptance which I do not agree with. I am a consumer/natural person and my rights have been violated. I have reached out to American Credit Acceptance XX/XX/XXXX stating my rights and federal laws that they have violated. State laws does not trump federal law. 1 ) They have violated TILA 15 USC 1605 Determination of finance charge. The finance charge does not include charges of a type payable in a comparable cash transaction. They required that I pay {$800.00}. They have also violated 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, There is no limitation on fraud. They also violated 15 USC 1640 ( a ) ( 1 ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; The list goes on and on. They haven't responded to my letter and one of the agent signature the certified mail receipt. They continue to call and harass me for payment when they are committing fraud. I have discussed with an attorney and I expect an cancellation of this contract and my title in hand.
Consumer complaint received 2021-07-28
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX . 
Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

on XX/XX/2020, my XXXX account was hacked and {$4000.00} was stolen from my bank of america checking account. i called bank of america immediately upon knowing to file a claim about my funds being stolen. i immediately deleted my XXXX account and stopped using my BOA account due to the fraud. they informed me recently to tell me that my claim was denied because of lack of evidence. my XXXX account was hacked and im being charged for my own money being stolen.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. I received a letter listing items that are supposedly owed to another company. I then mailed a second verification letter, ( signed and received on XX/XX/XXXX ), asking them to prove to me : 1. How this is proven to be mine? and 2. How do i owe Americollect? I received a second letter from them stating my request was " frivolous and irrelevant. '' I have given well over the original 30 days to respond with validation of their claims with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?