davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (OK)

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from AMERICAN CREDIT ACCEPTANCE : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX grantee, beneficiary All Rights Reserved
Consumer complaint received 2021-12-31
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. (NY)

on my recent Dispute with the Experian on XX/XX/2021 requesting proof showing that the account that is being reported on my credit report by XXXX is accurate. Which they have 15 days to do so I did not receive any document from Credit Bureau Experian showing how they had verified the reporting by the Creditor XXXX XXXX Experian have failed to adhere to guidelines put in place to protect accurate reporting at all times. I reported this to CFPB on XX/XX/2021 when Experian responded by sending result, they said verified with submitting what I requested.
Consumer complaint received 2021-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (MD)

Requesting any refunds do on my loan, per the Stipulated Order for Permanent Injunction and Judgment Re : Case 3:18-cv-02454-JSC ( FEDERAL TRADE COMMISSION v. LENDINGCLUB CORPORATION , 2021 )
Consumer complaint received 2021-07-27
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: Voss & Klein, LLC (FL)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft Account Number : XXXX This is not mine. 

3. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

On XX/XX/XXXX I called Lexis Nexis and spoke with XXXX who froze my credit report at my request. She informed me that I would reduce a confirmation letter and pin to unfreeze muy report in 7-10 days. On XX/XX/XXXX spoke with XXXX who confined that he saw tracking for the letter and pin. He stated they were mailed on XX/XX/XXXX and I would receive the letter, pin and my credit report within 7-10 businesses days from that date. I called again on XX/XX/XXXX exactly 11 days from XX/XX/XXXX and spoke with XXXX who stated that the letter and pin were mailed out on XX/XX/XXXX at my request, which is a completely false statement. They refuse to provide my credit report, as well as my confirmation letter and pin number.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021
Consumer complaint received 2021-07-27
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. (LA)

I have not received any confirmation on how you have verified the alleged hard inquiries attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from Attached Affidavit ) ******
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ability Recovery Services, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-07-26
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)

XXXX I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2021-07-26
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. (GA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Purchased a product ( electronic floor cleaner ) from seller on internet. United States Postal Service confirmed something was delivered from seller but not to my address. USPS acknowledged that I was scamed as the seller used another tracking number and address. I filed complaint with PayPal and they said they could not refund the money ( XXXX ) because the product was delivered. USPS said that PayPal does not verify addresses from internet sellers and they often experience this type of scam.
Consumer complaint received 2021-07-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northtown Capital Services Group LLC (NE)

Northtown Capital Services Group contacted me in XXXX of XXXX. They informed me that I have a debt with a payday loan group called XXXXXXXX XXXX I had set up a payment plan with them and I forgot to electronically sign the payment plan. However, the next payday in XXXX, they charged my card for the payment plan that I had not signed. The company is now harassing my mother in order to get information about me. In XX/XX/2021, they called my mother 3 times, left voicemails, and when my mother called back, the representative from Northtown, XXXX XXXX, had given my mother information regarding my debt. This is completely unacceptable and against the law according to the Federal Trade Commission Act ( FTCA ) and the Federal Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-07-26
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. (GA)

I went to the car dealership to get a car for my son and the approved me but with a high Interest rate. It begin to bother me because I make sure I pay all debt on time. I went to look at my credit and XXXX behold I see a loan on there that Is not mine. There Is a company called XXXX I guess thats where the loan came from. I contacted this XXXX place and Im getting no luck with them. I hope someone can help me with this. Im doing this on my own and really need some help with this.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I went to order food for my family of XXXX and my card was locked and so was my account. I was told it was because I lived in oh and was getting paid from pa but thats how its been for over 2 years. Now they are holding money and are being very difficult to open an account that was XXXX for miniscule reasons. They are in control of XXXX $ of my money and its being held or denied and sent back this hurts us horribly.
Consumer complaint received 2021-12-31
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: JPMORGAN CHASE & CO. (MI)

Chase promises additional rewards ranging from 1 % -6 % back using " XXXX XXXX '' homepage and " shop through Chase '' feature. However, I think they are not following through with the promised bonus points and are falsely advertising. 

As described through their website : Shop through Chase is a way to earn bonus points when you shop popular online retailers through the XXXX XXXX site. To be eligible for the additional points, you must use your Chase card with XXXX XXXX to pay for your order at the online retailer 's site. First choose the merchant 's " Shop Now '' button to view the merchant 's terms and conditions regarding eligible orders. Then choose the green " Shop at '' button to be directed to the online retailer 's site. 

I followed the steps for 2 separate purchases on different dates and did not receive the bonus points either time. 

XX/XX/2021 XXXX {$820.00} - Promised 1 % additional rewards at that time XX/XX/2021 XXXX MD {$46.00} - Promised 6 % additional rewards at that time. 

I feel falsely coerced with the promise of bonus points to complete the purchases. The " shop through Chase '' feature is undoubtedly benefiting Chase from kickbacks through the merchant, but they are not sending back the rewards they promised the consumer.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid 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: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received a new credit card in XXXX. I never activated the new card. This was a replacement card because I lost my original card. 

In XXXX, I started getting charges on the new card that was never activated. I never authorized these charges nor do I know what they are for. I spoke with XXXX on XX/XX/XXXX. She confirmed that these charges never occurred on my original card. But XXXX as account updater and was able to put these charges through on a card that isnt even active!! She did nothing to open up an investigation to see where these charges came from. She did nothing to help with the dispute. I did not authorize these charges and she was nit concerned about that. I had to cancel my Fifth Third account. I believe I have been a great customer if not an exceptional customer for many years with Fifth Third, but again this did not matter.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (AL)

I am writing to dispute a charge-off reported by Avant/XXXX on my credit report, as viewed on XXXX, XXXX, and XXXX XXXX The reported charge-off amount is {$760.00}, which I believe to be inaccurate and misleading. The credit card in reference with Avant/WebBank has XXXX maximum credit limit of {$300.00}, which makes the reported balance impossible. The past 12 months of credit card statements do not reflect any transactions or accumulative interest that could justify a balance of {$760.00}. This discrepancy has not been addressed despite my attempts to rectify it through direct communication with Avant/XXXX 

Under the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ), furnishers of information, like Avant/WebBank, are required to provide accurate and complete information to the credit reporting agencies. The inaccuracy of the reported charge-off amount suggests a violation of this requirement. Additionally, under FCRA Section 611, I have the right to dispute and obtain the deletion of information found to be inaccurate or unverifiable.
Consumer complaint received 2021-07-26
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. (CT)

[ This is a duplicate complaint to # XXXX as I needed it sent to four companies and I can only send to three at at time. ] This complaint is against XXXX XXXX in reference to CFPB complaint # XXXX 

XXXX XXXX XXXX XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : Equifax, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX XXXX  on XX/XX/XXXX Current Status of XXXX account : " Charge-Off '' Status of : XX/XX/XXXX XXXX  on XX/XX/XXXX -- Current Status of XXXX account : " Active '' Status of : XX/XX/XXXX I contacted XXXX via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX XXXX representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX XXXX  representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 

-- -- -- -- -- - I am also filing a slightly modified complaint with CFPB addressing the credit bureaus, since I have no ways to verify whether this is an error from XXXX XXXX or from all three bureaus. 

I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (TX)

Receivables Performance are claiming I owe {$650.00}. They haven't sent me any information to verify this presumed debt even after requested this information Mid XXXX of 2019. If they can not provide proof I owe this debt I demand this be removed ASAP.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (AL)

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

SUNRISE CREDIT SERVICES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Acct : XXXX XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This complaint is against XXXX XXXX in reference to CFPB complaint # XXXX-XXXX. 

XXXX XXXX  's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX Current Status of TD account : " Charge-Off '' Status of : XX/XX/XXXX TransUnion, on XX/XX/XXXX -- Current Status of XXXX  account : " Active '' Status of : XX/XX/XXXX I contacted TransUnion via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX 's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX  's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

EQUIFAX GAVE OUT MY PERSONAL INFORMATION IN THE BREACH THEY HAD. 


MY CREDIT FILE WAS COMPROMISED AND GIVEN OUT IN YOUR BREACH. 

I GOT AN EMAIL TELLING ME ABOUT IT AND TELLING ME TO SIGN UP FOR FREE CREDIT MONITORING. 

I SIGNED UP OVER A MONTH AGO. 

WHEN I WENT TO CHECK MY INFORMATION SEVERAL DAYS AGO I WAS LOCKED OUT AND TOLD TO RESET MY PASSWORD. 
I WAS THEN TOLD TO WAIT 24 TO 48 HOURS TO ACCESS THE SITE. 

WHEN I TRY TO ACCESS SITE PUT IN ID. XXXX XXXX XXXX and put in password XXXX i AM TOLD THE CREDENTIALS YOU SUPPLIED ARE NOT VALID. 

I HAVE CALLED XXXX AND TALKED TO 3 DIFFERENT CUSTOMER SERVICE AGENTS AND 2 SUPERVISORS. NO ONE CAN CORRECT THE PROBLEM. I WAS TOLD THE RESOLUTION TEAM WOULD GET BACK TO ME TO RESOLVE THE PROBLEM. NO ONE HAD EVER GOTTEN BACK WITH ME. 

I BELIEVE YOU ARE DOING THIS ON PURPOSE SO YOU DONT HAVE TO GIVE ME THE FREE CREDIT MONITORING. I WILL REPORT YOU TO Consumer Financial Protection Bureau ( CFPB ) AS YOU ARE NOT FOLLOWING THE AGREEMENT YOU MADE WITH THEM. 

XXXX XXXX XXXX JUST A THOUGHT FOR YOUR IT DEPT. ERASE MY ACCOUNT ID AND PASSWORD AND LET ME PUT IN A NEW ONE. IT SEEMS PRETTY EASY YOU DONT HAVE TO BE AN IT GURU TO FIX THIS PROBLEM IF YOU WANT TO.