davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297.  Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

Last year, XXXX, I became aware of a negative item from JPMCB Card Services appearing on my credit report with all three major credit reporting services. An account with JPMCB was allegedly defaulted in XXXX and charged off shortly thereafter. I filed a dispute with each and the item was allegedly verified by JPMCB. I then wrote JPMCB on XX/XX/XXXX, requesting they validate item under the FRCA by providing competent evidence bearing my signature or other item stating that I have or ever had a contractual obligation to them. I received two letters from JPMCB dated XX/XX/XXXX. Each letter was from customer service and bore no name or signature. One letter contained only a copy of statement purportedly from the period XXXX-XX/XX/XXXX. Letter 2 contained only a copy of a purported statement from XX/XX/XXXX-XX/XX/XXXX, with no explanation of any kind. These statements were 15 years old. It appears obvious they have nothing bearing  my signature or anything to show a contract and they are obfuscating that fact with only these very outdated statements.
Consumer complaint received 2020-03-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

I XXXX XXXX is sending this letter in regards to a debt that have no clue of. I am sending this message due to the fact that i received threatening phone calls of my my bank account, money and more being seized. During the month of XXXX i've received more than 50 phone calls reading on my caller id Scam Likely and other fictious name and numbers that i've never ever seen. According to several FCRA laws, a debt collection agency must take the correct steps to attempt to collect a debt. You must prove that the debt is owed, provide original contracts with my wet signature on it. I am not asking for a copy of a statement nor am i asking for any copy of a contract but only an original contract. I am allowing 5 business days for this issue to be resolved. In your attempt to collect a debt that isn't owed and i have no clue of, you've violated several laws. You can contact me through my email and i waiting upon your reply. I am asking that you stop calling me and threatening me about garnishing wages, sending me to jail, sending letters to any address associated with my name. Do not force yourself or any of your employees on to property acting as if you're an officer. If this isn't resolve within 3-5 business days i am going to be contacting my lawyer and take the initial steps to ensure that your company pay the consequences for your actions. If you can't provide any original contract with my wet signature please do not contact me and remove my name from your directory permanently and immediately. If you attempt to try and repost it back onto my credit, i will sue you.
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (IL)

On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (IL)

I have or use an American Express bluebird card which is a prepaid credit/debit card to satisfy my banking needs. I previously had as of XXXX 2020 had my direct deposit from SSA and VA XXXX compensation which are {$1100.00} and {$140.00} monthly respectfully going into this account. Out of the blue on the evening of XXXX2020 I found out my account had been permanently suspended for a perceived miss use of my account ( later I found out it been suspended on XXXX2020 with no notice ). I still have no clue as to what happened. I only found this out from a email sent to me after I tried to access my account online. They have completely cut me off from my account and balance of approximately {$2600.00} and change. They have left me scrambling to change my direct deposits and pay my bills. I have tried and tried to reach there customer service with no success. I only have been given an address to P.O. box in Georgia to write my questions to. I have no idea what there plans are to do with my money. I have very little other resources, I don't believe they legally can freeze my money because of my sources of direct deposit. All this happening in the middle of a global pandemic. I'm really hoping my pending direct deposits will be able to be redirected in time. I just don't know what else to do. What a low blow!
Consumer complaint received 2022-02-17
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: MoneyLion Inc. (SC)

Ive called MoneyLion multiple times about a loan l took out in XX/XX/2020. The loan payments were being drafted from my checking account. I noticed on my credit report I had 60 days late payments. I called them with little help at all. I disputed it on my credit report until they wouldnt let me anymore. The results after being disputed were just the months I was told I was late. At first late payments were reported for XXXX and XXXX. Then after being disputed changed to payed in XXXX and XXXX and late for XXXX and XXXX. I was never late.
Consumer complaint received 2022-02-18
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. (GA)

I have written several letters and filed disputes with Experian and XXXX about a collection. XXXX XXXXXXXX is saying I owe a debt for a medical collection. I have requested the company XXXX XXXX to provide the original HIPPA release form and/or the original signature for this MEDICAL bill. They have yet to provide it. I asked have in XX/XX/2021 XX/XX/2021 XX/XX/2021 and XXXX and XX/XX/2021 I have also filed a complaint with XXXX XXXX.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Collection Service Inc (GA) (AL)

Please disregard the submission from XX/XX/2020 To Whom It May Concern : I have recently been informed that there is negative information reported by Professional Collection Services in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$55.00}. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily with 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-01-06
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. (CO)

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-04-07
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. (PA)

Two years ago I received multiple notifications that my information was exposed in several mass data breaches such as the XXXX data breach and XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. This has made my life very difficult by this identity theft.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Discover tried to call me on XX/XX/2022, but it sounded like a scam call telling me about needing to do 4506-T verification for my card ending in XXXX, then I received an email from XXXX Sign, all of which sounded like a scam. I subsequently called the main Discover line three hours later, but the representative did not know what I was talking about. 

I tried to use my Discover card to find it was not working on XX/XX/XXXX. I filled out the 4506-T form, then it was rejected by the IRS for wrong address even though I the same address. I filled it out and resubmitted it again on XX/XX/XXXX, and it was rejected again and my Discover account closed on XX/XX/XXXX.
Consumer complaint received 2020-04-07
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$220.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$140.00} XXXX   XXXX  XXXX {$570.00}
Consumer complaint received 2020-04-07
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$220.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX {$570.00}
Consumer complaint received 2023-01-06
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX .... Balance - ; XXXX XXXX XXXX .... Balance {$4600.00} ; XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX Date of request XX/XX/XXXX.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

Have Been trying to make a regular payment for two weeks. Their app will not allow me to link a new bank. It still is not completed. Made a payment over the phone but they will not drop the {$27.00} late fee. Agent was rude and repetitive and controversial. Refused to help. Refused to get us a supervisor. We have tried their CHAT function. Its just form generated answers. We tried EMAIL. Same thing.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> I sent Transunion a credit dispute letter to remove incorrect information from my credit report via certified mail. In response on XX/XX/year>, Transunion stated that I didn't not send the correct verification information such as my Driver 's License, Socials Security Card, and a Bill to verify my address. 

This information is incorrect because I sent all of the items stated above. Attached is proof that I sent this information.
Consumer complaint received 2020-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (WI)

I took out an auto loan in XX/XX/2019. Ive consistently made payments toward the loan for the life of it so far. However, Ive noticed throughout these payments, usually made first thing in the morning on a Friday, that payments are not applied until 3-4 days, sometimes 5 or more days later. With a very high interest rate, Im concerned about all of the interest the late application of payment adds up to over time. The company my loan is financed through is Santander Consumer USA. Ive already paid half the value of the initial loan amount, yet nearly the entire principal amount remains to be paid. Statement details are extremely vague and clear answers from customer service on how this process works have been impossible to obtain.
Consumer complaint received 2022-02-17
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: SYNCHRONY FINANCIAL (MA)

I purchased two pair of sneakers in XX/XX/. The sneakers were not as described on the website and I contacted the merchant and they would not give me a refund unless they had made a mistake. I contacted PayPal and put in a dispute about this. PayPal told me to go through Synchrony Bank the parent company with my complaint which I did. They gave me a refund on XX/XX/XXXX and PayPal rescinded that payment on XX/XX/XXXX. I am not sure what is going on with this. I just contacted them again and now they are telling me to send them the same information that I previously submitted. I thought consumers had the right to return merchandise that did not fit the description that was given. The sneakers can not even be worn for anytime and they said great for diabetics.
Consumer complaint received 2022-02-17
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. (LA)

Experian, XXXX, and XXXX refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!
Consumer complaint received 2020-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My wife and I are trying to refinance our existing mortgage and were told we needed to close our home equity loan which we haven't drawn on or carried a balance on in nearly 4 years. Approximately 4 years ago my wife attempted to close the home equity loan and we paid all fees however unknown to us Citizens Bank charged a continuous annual fee of {$50.00} despite her request to close the  account and us not using the account. Now 4 years later when my wife called again to close the home equity Citizens again advisded her that they would be charging us the accumulated fees again inorder to close the account and advised that we also needed to provide a written letter to close the account which seems like an undue burden and would appear to be the root cause for why were were charged a continues fee desipte not receiving any services or active communication. Moments after my wife advised me of the fees I immediately called to inquire, dispute, and ask for relief or assistance. I was denied at which point I asked for my compliant to be escalated. I was informed that I would receive a return call within 48 hours. During the time where I As I asked questions of the corporate office employee, XXXX XXXX, she became frustrated with me and disconnected our call and I'm now out of options. I advised we are experiencing financial hardship and did not want to pay the fee at this time but due to the delay in the return call ( 76 hrs vs 48 ) and despite there being an active complaint relative to this fee Citizens debited the fees from our account, has refused to advise of any asssitance or releif options, even as little as going back to the status where the fee continued to accrue. They have left us in a desparate situation furthermore they've required us to provide the written letter requesting closure of the account but still collected the lien release feel.