davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious  ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NJ)

I.Q Data International contact me to collect end of lease charges from XXXX XXXX XXXX XXXX Apartments which did not include a discount from the security deposit. After explaining with I.Q Data representative that XXXX XXXX XXXX XXXX Apartments is not including the security deposit in the XXXX statement they threaten with reporting the debt to a credit bureau and continue charging interest on the debt. Therefore, we were force to pay under protest. On the other hand, XXXX XXXX apartments claim that the previous property manager took the security deposit money and that they do not have it. They also ask me to contact that person. The lease shows is the same company XXXX XXXX XXXX managing the account and I shouldn't be looking for individual persons. 
I.Q. Data International was not interested in fixing the amount they were charging and only threatening with additional actions, information was provided including copy of the lease stating the amount of the security deposit but there is no response.
Consumer complaint received 2019-07-03
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: CITIBANK, N.A. (HI)

I was charged {$6500.00} on XX/XX/17 by XXXX, XXXX. In my dealings with this company I did not receive any services. The company was an absolute scam and will not respond back to any email/calls. Also have been shutdown by the FTC. XXXX XXXX agreed to settle FTC charges that it helped deceive consumers with false claims that they could earn six figures within 90 days. The defendant in the case, XXXX XXXX, allegedly helped operate the coaching scheme, which did business under the name XXXX XXXX. The final order bans XXXX from selling business coaching programs and investment opportunities. In addition to the false claims about how much money people could earn, XXXX XXXX falsely promised to provide individualized coaching from successful marketers, who in fact were just salespeople selling costlier membership levels, according to the FTC. The FTC alleges that most people never earned the promised income and that consumers lost tens of millions of dollars to the scheme, including some individuals who lost more than {$50000.00}.
Consumer complaint received 2020-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (WY)

I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BELMONT FINANCE LLC (NC)

XXXX The Right To Recession I'm a Consumer XXXX XXXX a natural person ; I sent a Right to Recession Notice to Belmont Finance on XX/XX/2022. On their contract there was no disclosure of my right to recession and i would like to excercise my right. 

Any Transaction Full Disclosure 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : Official interpretation of 23 ( b ) ( 1 ) Notice of Right To Rescind ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling.

( ii ) The consumer 's right to rescind the transaction.

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 


( XXXX ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business. 

( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ).

So I never got a full disclosure and I have a three year period to rescind. Material Disclosures 1026.6, full disclosure the finance charge which pays the debt 1026.32 ( c )
Consumer complaint received 2022-06-01
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. (AL)

I've sent several letters including the last letter on XX/XX/2022 regarding inaccurate information reporting on my credit and to this day which is almost 60 days I have yet to receive an response. My letters are clearly being ignored and the I feel like I'm being taken advantaged of at this point. My next step is to file a complaint with the federal trade commission and XXXX Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I do not want these items updated. I want them deleted immediately. I will file litigation if they are not deleted from my credit report because of the stress that it's caused.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I've sent several letters including the last letter on XX/XX/2022 regarding inaccurate information reporting on my credit and to this day which is almost 60 days I have yet to receive an response. My letters are clearly being ignored and the I feel like I'm being taken advantaged of at this point. My next step is to file a complaint with the federal trade commission and XXXX Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I do not want these items updated. I want them deleted immediately. I will file litigation if they are not deleted from my credit report because of the stress that it's caused.
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IN)

On XX/XX/2018, about three months after moving out of XXXX XXXX  XXXX apartments  in XXXX I noticed a derogatory remark on my credit report saying I owed {$97.00} in utilities and it had gone into collections. Over the 12 months of living at XXXX XXXX  XXXX apartments, I paid all my rent and other fees on time and was under the impression that nothing else was owed so this came as a shock to me. I contacted XXXX XXXX XXXX apartments and they said they had sent letters to my apartment after I had moved out which would explain why I never got any notice. 

I have also sent letters to National Credit Systems - the creditor for this debt - asking for this derogatory mark to be removed from my credit report once I pay the amount owed but I've heard nothing back.
Consumer complaint received 2022-06-01
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 (MD)

On XX/XX/2022, I called and left a voice mail message for XXXX XXXX ( " XXXX XXXX '' ) of Barclay executive office and requested for her to contact me regarding the complaint pertaining to the dispute on the account. I never received a response. 

On Monday, XX/XX/2022 at XXXX PM, I also sent an email with an attachment to XXXX XXXX at XXXX. I never received a response. 

On Monday, XX/XX/2022 at XXXX PM, I sent another email to XXXX XXXX, and stated, " I sent you the email below with an attachment but have not received confirmation that you received it. I also left a voice mail message on the same day that I sent this email and no response. This issue simply will not go away unless there is dialogue in resolving it. '' I never received a response. 

This lack of communication demonstrates one thing, and that is Barclay is acting in bad faith in resolving complaints and billing disputes in breach of the cardmember agreement, and in violation of the Fair Credit Billing Act, and appropriate legal action WILL be taken within the next day or so.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 name : Account Name XXXXXXXX XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nj XXXX XXXX XXXX XXXX XXXXXXXX balance is at XXXX has 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 an account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2022-06-01
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (DE)

On XX/XX/XXXX a debt collection of {$730.00} was reported by Amerifinancial Solutions. The debt is medical ( figured out by researching original creditor ) from XX/XX/XXXX. I had no recollection of ever being in the hospital during this time so I was pretty confident this was incorrect. I called AFS ( ( XXXX ) XXXX ) and they confirmed the debt was under a womans name. My last name and her last name happened to be the same, but I did not know this other person. After what I thought was enough proof to fix the issue.. I was told that the false reporting would be taken off my report in two weeks and to call back then for an update. So I waited two weeks and called back. I was advised that they were unable to find any information on the woman so they could not get the debt off of my report. Im not really sure what to do next.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (AZ)

A {$500.00} prepaid gift card was purchased from the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/XXXX. In addition to the card value, a {$5.00} fee is also charged. Upon attempting to register the card at on their website at XXXX on XX/XX/XXXX, to be utilized on line, the card showed that all funds had been utilized. I immediately checked the transaction history for the card and saw charges that were not conducted by me or my wife. We immediately contacted the card company utilizing the number on the back of the card of XXXX and started a dispute claim. We were given a claim number of XXXX. They also blocked all access to the card so that we no longer have access to the charges in dispute. We were unable to make a police report without access to the charges. We were told a representative would contact us in 3-5 days, but that a resolution could take up to 90 days. After not hearing from the company in the 3-5 day time frame, I called them again on XX/XX/XXXX. At that time I was told we were given wrong information by the first representative as they do not follow up by phone. The representative told me that all of our paperwork had been received, and that we would hear something by mail within 90 days. I received a letter on XX/XX/XXXX. The letter stated that they had made a final determination on our claim, dispute claim # XXXX. Based on their investigation they concluded no error occurred, therefore no funds would be credited and the matter is considered closed. We are reaching out to them and requesting that they reopen the case. The card does come with a U.S Bank Gift Card Cardholder Agreement ( Effective XX/XX/XXXX ). Section 6 of said agreement lists their Zero Liability policy. The Zero Liability section states " You are generally protected from unauthorized transactions. However, if you do not tell us within 60 days of he date of the first transaction you believe to be unauthorized you may not get back any money you lost after the 60 days if we can prove we could have stopped someone from taking the money had you told us on time ''. The first unauthorized purchase was made on XX/XX/XXXX. We reported the unauthorized purchase on XX/XX/XXXX. This is well under the 60 days in this policy.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (TX)

After receiving my credit report, I am not happy when I see these inaccurate items still in there I feel like I'm being taken advantage of for being ignored by my disputes.
Consumer complaint received 2019-07-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/2019. Tuesday. 

- My inquiries are victim to Transunion 's " Inquiry Issue ''. Customer Service with Transunion was unable to help resolve my issue & was unable to point me in the right direction to resolve my issue. 

These inquiries should not be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX For
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (TX)

After receiving my credit report, I am not happy when I see these inaccurate items still in there I feel like I'm being taken advantage of for being ignored by my disputes.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

Thank you for your attention : I have been an American Express Serve Cardholder for, I believe, about 5 years. This is a prepaid card that I use for mail order and travel for better security. I have been very pleased with their services to date. 

On XX/XX/2022 I used my card.to purchase a hotel room from XXXX XXXX XXXX, XXXX. I purchased my room via XXXX, thus, my hotel stay was prepaid. 

On check in, I was told that there would be a security hold put on my account, which is customary, and usually lasts for no longer than 1 week. The hold put on my account was for {$170.00}. 

Weeks later, I noticed those fund were still on hold, and I inquired with the hotel the last days of XXXX. I was told by the hotel that those funds were released by the hotel to American Express the next day, XX/XX/XXXX at XXXX pm. The reference number they gave me was XXXX. The hotel phone number is XXXX. The customer service representative is XXXX. 

I called American Express Serve today to inquire, was sent to the " escalation '' desk around XXXX am. There, I explained the situation, including the release information, and was told that American Express Serve " always '' holds funds for 30 days ( meaning a XXXX release ) regardless of the merchant releasing funds at any date. 

Really?? This seems exceptionally unfair to the card holder, and fabulous for American Express. I would expect this to be front page news in the XXXX pages of national newspapers ( I worked for the XXXX XXXX for 7 years ). 

So before I kick this issue up to the media, and to put this department on record, can you please confirm or deny that this policy is legal and acceptable to your department, and why? Your department and this government supports this policy? 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

In XXXX, my husband and I called a servicer provided on our exit counseling information to discuss payment options. We were advised the Spousal Consolidation Loan would be our best option, as it would allow us to have one interest rate and one payment. We were not provided the option to consolidate into a Direct Loan and were given an FFEL Spousal Loan through XXXX. In XXXX, Congress banned these types of loans. In XXXX, PSLF came into existence. In XXXX, I joined a public service organization and tried to consolidate my loans into Direct Loans ; however, because it is a spousal loan, the Dept. of Education would not accept the loan type. During this period, my loans were transferred to MOHELA. I was told my best payment option would be IBR, which I signed up for, because it would give me access to student loan programs. However, this move means I now owe just {$3000.00} less on my loans than when we started. Because it is an FFEL Spousal Consolidation Loan, we do not qualify for any student loan programs provided to Direct Loan borrowers. I qualify for PSLF, but I can not access that program. Additionally, I did not get any reprieve during COVID. I have now moved to a standard repayment option because I could not afford my payments, can not qualify for any program relief, and will pay these loans beyond retirement. I feel the push into spousal consolidation loans was a predatory practice on young, married couples.