davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Sunbit, Inc. (CA)

To Whom it may concern, I have misplaced/lost my Sunbit Credit card on Friday XXXX. Fraudulent transactions have been occurring. 
I went online to check my balance, and it seems like a person has been using my card at stores such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX for over {$70.00} on Saturday XX/XX/2022 and Sunday XX/XX/2022. 

I currently do not have possession of the card. My family does not have access to it. Definitely, somebody has been using it without permission. 


thank you,
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (CA)

FRANKLIN SERVICE INC. 

This is for a previous phone bill. I asked them for several months to send me an invoice and was denied a copy of what I owe. They wanted me to make the payment over the phone with no way for me to verify who and what I was paying for. I also told them I was waiting for Pandemic Rent and Utility Relief and when I told them unless you send me an invoice or something in writing to stop contacting me. They claimed I was sent an email and that I opened the email so therefore I was aware and had documentation of what they were trying to collect. I had told them that I went through all my emails and I could not locate the email they claimed I had and opened. Again, they refused to resend me documentation and instead kept harassing me to pay. I then contacted XXXX XXXX XXXX and asked if I could pay the bill and for them to send me a copy of the Bill while waiting for them to send it to me Franklin Servicre Inc. notified the Credit Bureaus and had placed a Derogortory Remark against me.
Consumer complaint received 2019-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX XXXX XXXX  XXXX   Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX XXXX or TransUnion ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
Consumer complaint received 2018-05-23
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. (PA)

Hard credit check was pulled by XXXX on XX/XX/2018 in my name. I contacted XXXX and no account was opened under my name however I would like the hard check to be removed from my credit report under Trans Union.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX, Experian, and XXXX are reporting an alleged bankruptcy without the permission from the trustee of the estate of XXXX XXXX. XXXX, Experian, and XXXX are data furnishers that sell information to various companies. This is prohibited by the estate of XXXX XXXX. The name property and any other interest are copyrighted and trademarked. You do not have permission from the estate to report any such information or misuse the estate name in this manor!
Consumer complaint received 2018-12-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

An XXXX man contacted me through XXXX! I accepted his friend request. We continue contact each other with another application names XXXX. I felled in love with him and then he told me he need money to put a XXXX business. I sent him {$2000.00} by Money Gram. He lives in XXXX XXXX and his name is XXXX XXXX XXXX XXXX. The Reference number from the money gram was XXXX. I called to Money Gram company and I make a report as soon I sent this money and I realized this guy just use me like an object. I also contact this company on XXXX-18 to follow up my complaints but they told me that I lost my money and they didn't rebursement any money. But I want also to prevent that other women 's been in the same situation to know foreign guys through internet.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (CA)

I C System Opened XX/XX/2016 + {$190.00} Original creditor : XXXX XXXX   XXXX XXXX This is not my collection account. This account was opened fraudulently.
Consumer complaint received 2018-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (VA)

I was not denied credit. Instead, I was offered credit at less favorable terms. When I inquired as to what credit reporting agencies were used, what the actual terms were, and where my risk based pricing notice were, I was told the grantor refused to provide any of it, and I must go to a third party dealer for the information.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (TX)

My name is XXXX XXXX ( XXXX XXXX at the time I received services ). In XXXX of XXXX  I received XXXX, and received XXXX  services provided by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. My bill was initially paid for by my medical insurer XXXX, however this coverage was later revoked and I was billed the full amount for the procedure. After a lengthy appeal process XXXX decided to cover the XXXX  after all, and paid XXXX XXXX the full amount due. XXXX made a mistake and sent the account to RMP despite it having been paid. XXXX has reached out to RMP to inform them that the account was given to them in error, but they have refused to fully retract it from my credit report. Instead they are reporting it as a " collections account that has been paid '' which still has a derogatory effect on my credit report, and in repeated calls have steadfastly insisted to me that they refuse to fully delete it despite knowing it is an error. 

In addition their agents have continued to call me " sir '' in conversations despite me repeatedly informing them that my gender has changed, in what I believe is deliberate belittlement.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Bank of America ; Im a little confused after I review my credit report earlier. COVID19 and you still ruin your clients credit? Wasnt there a special accommodation set in place for this not to happen when I called? Listen, I was protected under Mr. Trump Cares Act and i've called you guys before to make proper accommodations because of the COVID19 pandemic. 

Basically, I was reviewing my credit report and noticed a late payment reported on my credit report by your company. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditors can not report payments as past due, and make proper accommodations to consumers. 

Also, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and notice that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Consumer complaint received 2024-05-13
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (TX)

Dispute was filled with TD bank for a XXXX merchant charge that took place at the end of last year. Item from the merchant is defective and no resolution has been made. Td bank has all the required information. If necessary I can provide any necessary details, but the complaint is at this point not about the dispute itself. Instead the complaint I am filing is about what took place after the dispute was made. Said dispute was made XX/XX/year>. Today XX/XX/year> I recieved mail dated from XX/XX/year> that the outcome of my dispute was to call the merchant. The very same merchant whom has not resolved my issue since XXXX  indicating is om XX/XX/year>. All of which is indicated in my dispute as well as the various phone calls, texts, chat, and email took place with merchant. Roughly XXXX. Today XX/XX/year> I spoke with a supervisor, XXXX, who stated that the bank does not offer or provide chargebacks for disputes. Which I stated was a violation of the fair credit billing act as my dispute and the reasons for filing it is the very reason why the FCBA exists as they mandate chargebacks the reasoning for a chargeback. I explained that the bank must act on my behalf which she did not acknowledge. She also stated I could not challenge the results of the investigation. Nor could I file a new dispute over the phone. She did however, apologize that I did not agree with outcome I recieved, but that td bank can only help the XXXX parties ( myself and XXXX ) come to an agreement. However, they can not make the merchant do anything and or take the money back ( which I stated they do have the ability to do ). I believe the statements, actions, and behavior of this institution is in violation of the fair credit billing act. It should also be noted that even before speaking with the supervisor my call was transfered by a td bank agent, XXXX, to a XXXX agent. The td bank agent then left the call without telling me. Although, what's worse is that she didn't even tell me she was transferring my call to the merchant. This continuous behavior of attempting to push me to resolve the issue with the merchant so that td bank did not have to was noted when speaking to XXXX. It also shows again that td bank is not acting in my behalf and instead on the behalf of the merchant. The same merchant whom they are partnered with.
Consumer complaint received 2021-04-12
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: AES/PHEAA (FL)

Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2019-03-28
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: Experian Information Solutions Inc. (CA)

I contacted this company on XX/XX/XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims.

Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. 

Below are the fraudulent accounts that I need to be removed : 1. XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am submitting this claim regarding the XXXX XXXX credit card account ending in XXXX I have with Capital One in regards to the excessive amount of incorrect past due fees, increasing the credit balance thus have been incorrectly reported to the credit bureaus : XXXX, XXXX, XXXX, and XXXX XXXX XXXX. 

The following past due fees were assured to be removed by a supervisor I spoke with in XXXX of XXXX, since the Capital One dashboard would not let me add any type of payment card to make payment on-time : XXXX {$39.00} XXXX {$39.00} XXXX {$39.00} XX/XX/XXXX {$39.00} Total amount of late fees that were assured by Capital One to be removed : {$150.00} Capital One has not removed these late fees of {$150.00} and have incorrectly reported two missed payments to XXXX in addition to reporting the wrong balance of {$510.00}, causing my card to exceed the {$500.00} limit. 

Therefore, I would like the past due fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX removed from my account, making my total credit balance- {$350.00}. I came to this calculation by deducting the past due fees of {$150.00} from the current incorrect balance of {$500.00}. 
I would also like the interest expense adjusted accordingly. 

I have been trying to resolve this issue for months, each time I am referred to a different Capital One representative who assures me this issue will be resolve and I should see this reflected on my credit report within a few business days. 

Capital One has affected my ability to obtain new credit and has tarnished my personal and business credit reputation on the basis of incorrect information. 

I would like this issue resolved immediately as I feel this is very unfair as Capital One is at fault. 
Additionally, I have called Capital One on several occasions to switch credit card types-from the Capital One XXXX XXXX Card to the Capital One XXXX XXXX  XXXX Credit Card. Every time I call making this request, I am given the broad answer of " Unfortunately we can not switch your card at this time, because the system will not allow us too '', which does not provide a reasonable explanation to the hard inquiries ran on my credit report and I do not receive any additional information, including by mail, on the reason I could not switch my credit card type. 

Doing business with Capital One, personally or as a business has been very inconvenient and frustrating to say the least. I hope to shed light on this situation, so others can avoid similar situations.
Consumer complaint received 2022-03-07
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: Amsher Collection Services, Inc. (TX)

I have contacted Amsher Collections on more than one occasion requestiong validation of debt and everytime I call im told that ill have to wait 60-90 days but the request was made. FCRA states they have 30 days when I notified associate of that she hung up in my face. I Called back asking to speak with A manager im told one is not available but they can have one call me back and I never hear from them. I reached out around XX/XX/2021 and still have nothing. I would like this inaccurate information removed from my credit report