davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc (NC)

KLS has reported a medical bill on my report for {$75.00}. According to the Fair Debt Collection Practices Act, I am supposed to receive a notice of my right to dispute, prior to this collection agency reporting this bill on my report. I never had a chance to protest the validity of this debt ( which I would have ), prior to its appearance and damage done to my credit profile. This is illegal.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (TX)

I have reasonable cause to believe I have been extorted! I have been abused and deceived by " Attorneys '' at XXXX XXXX XXXX, XXXX. in XXXX XXXX, Texas, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX, are violating my rights and federal law under the FDCPA, XXXX, & XXXX, all while never showing proof of authority to be legally " representing '' DISCOVER BANK. They filed a lawsuit against me in the County Civil Court at Law No. 1 in XXXX XXXX, XXXX, Texas, for a " breach of contract '' without providing a legally binding contract. They obtained my nonpublic personal information without lawful authority and have used it to bring harm to me and my financial reputation. I have never entered a contract with these people. I DID NOT AND DO NOT CONSENT to them possessing, using, or transferring my nonpublic personal information. They, along with DISCOVER BANK, DISCOVER FINANCIAL SERVICES, etc. violated a cease-and-desist notice delivered on XX/XX/XXXX, via certified mailing number XXXX received with signature, by continuing to proceed in obtaining a default judgement against my strawman, without lawfully validating the alleged debt. 

Violations committed by XXXX XXXX XXXX, XXXX. are as follows but not limited to : 15 USC 1 15 USC 1692d 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 5 ) 15 USC 1692 ( 7 ) 15 USC 1692 ( 9 ) 15 USC 1692e ( 13 ) 15 USC 1692f ( 6 ) 15 USC 1692i ( b ) 15 USC 1692j 18 USC 1028A 18 USC 241 42 USC 1983 Let the record show, I, private consumer in fact, REJECT, XXXX XXXX XXXX, XXXX. 's offer to contract. 

Let the record show I DID NOT AND DO NOT CONSENT to XXXX XXXX XXXX, XXXX. or any and all individuals acting under, affiliated with, or doing business with, to possess, use, or transfer ANY of my nonpublic personal information including my name, location information, telephone number, or any details regarding my experiences with financial institutions, for ANY purpose or reason, especially for unjust enrichment.
Consumer complaint received 2021-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent debt collector XXXX XXXX XXXX XXXX a letter and a copy of my identity theft report, the letter and identity theft report to XXXX XXXX XXXX XXXX was dated on XX/XX/21, and all documents was received by XXXX XXXX XXXX XXXX on XX/XX/21 at XXXX Est. 
It's been 30 days that the debt collector has not responded. Included in this file is a letter to TransUnion dated on XX/XX/21 and a letter to XXXX XXXX XXXX XXXX dated on XX/XX/21 and certified mail receipt to XXXX XXXX XXXX XXXX dated XX/XX/21.
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Lender Info ( Midland Credit Management ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was served court documents XX/XX/2022 in the mail saying that I was going to be garnished by this company for my XXXX XXXX XXXX  credit card in the amount of {$1300.00}. They had already sent information to my job and the garnishment started two weeks after I received the letter. I contacted them after I got release papers from XXXX XXXX XXXX XXXX saying debt was paid in full XX/XX/2022. They claim they never received anything from them and I am still responsible for the debt. I contacted XXXX XXXX XXXX XXXX and she told me the exact date the last payment was sent and thats why she sent the letter to me and my employer releasing me of the garnishment.
Consumer complaint received 2022-03-23
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: CCB Credit Serivces, Inc (TX)

I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.
Consumer complaint received 2023-07-25
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. (CA)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NCXXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Despite sending the proof of on-time payment, Specialized Loan Servicing ( SLS ) is refusing to correct information submitted to credit bureaus as late payments. The last complaint to cfpb ( XXXX, submitted XX/XX/2022 ) is closed with not real answer from SLS as to why they are not correcting the wrong reports to credit bureaus. 
I paid all my mortgage payments on-time and yet, Specialized Loan Servicing, wrongly reported my payments as late. I submitted proof and documents that shows all my mortgage payments that SLS claims to be late, were sent in form of cashiers checks with the date clearly shown that were paid before the due date. I am suffering financial and emotional problem while SLS refuses to correct their mistaken reports of late payment to Credit Bureaus.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have wrote the company to let them know this debt does not belong to me it may belong to someone else. Me and my father in past has had each other accounts on our credit report. I have reach to all companies and ask them to fix it Please assist me. 

1 ) XXXXP XXXX Collection/Chargeoff Last payment- ONLY SHOWING ON XXXX XXXX XXXX XXXX XXXX PORTFOLIO RC XXXX Collection/Chargeoff AMOUNT $ XXXX REPORTING TO XXXX AND XXXX XXXX ) PORTFOLIO RC XXXX XXXX AMOUNT XXXX -REPORTING TO XXXX AND XXXX XXXX ) XXXX XXXXXXXX XXXX CXXXX XXXX XXXX HIPPA LAW DO NOT BELONG TO ME AMOUNT XXXX XXXX RECO XXXX Collection/Chargeoff AMOUNT {$1100.00} MEDICAL HIPPA LAW DO NOT BELONG TO ME Collections XXXX ) XXXX XXXX XXXX $ XXXX XXXX SHOWING ON MY XXXX REPORT
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-11-07
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: JPMORGAN CHASE & CO. (TX)

Some time in early XXXX I called a company named XXXX to cancel my telephone service. After spending 20 minutes on the call and repeatedly telling the representative I no longer wanted their service I was unable to get them to cancel. I have since been filing multiple disputes with my Chase credit card. I was told that after 3 months they would be able to reject the charge. As you may have guessed they have not and stated they can't despite the fact that I have since sold my home and have been traveling overseas since that time.

Today I called to reject another charge and was told they can't stop them from billing me so I cancelled the card. I was told they will still be able to keep billing my old card number and I will be responsible for the charges. Sure could use someone's help.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-07
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: EQUIFAX, INC. (TX)

I initially submitted a previous complaint regarding the same issue ( # XXXX ). I just received a written response from Equifax. The issue is still unresolved and just as troubling my credit report is filled with inaccuracies regarding my personal information. To recap, the merchant XXXX XXXX XXXX 2 reported 2 accounts as delinquent to both Equifax and XXXX in XXXX. Both companies concluded neither account belonged to me. In XXXX, the same merchant again reported the same 2 accounts to both credit reporting agencies. However, while XXXX again concluded neither account was mine, Equifax now says they are mine. In the credit report Equifax sent me, they did not.provide me receipts or any other documentation showing the accounts are mine. They simply stated, " we verified that this item belongs to you. '' But no details were included, not even an address " unknown ''. So I am absolutely stating these accounts are not mine. And after reviewing the personal details of the credit report Equifax sent me, I am 100 % certain I am the victim of identity theft and/or fraud. Here are the reasons why : 1. My name on the report is listed as XXXX XXXX XXXX XXXX ( I have never in my life added any suffix to my name. 

2. The report lists a previous address as XXXX XXXX XXXX, XXXX, TX XXXX. That house is across the street from me. I HAVE NEVER LIVED THERE. My fear is the postboffice may have inadvertently delivered mail to the incorrect address at some point. My now deceased wife was an identity theft victim years ago when our mailbox was breached. 

3. The report also lists a previous address for me as XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I HAVE NEVER LIVED AT THAT LOCATION. 

4. Lastly, the report states both collection accounts were created on the same day with 2 separate account numbers on the same day ( # XXXX & # XXXX ) .How is that possible when I am one person? In addition, I have had excellent medical coverage through my employer for the last 16 years. Due to extensive health issues I met my deductible early in XXXX and certainly would not have had a copay for any medical services especially in XX/XX/XXXX. Nor would I have received any medical services from any provider who did not accept my insurance.

Equifax had not provided me with ANY documentation or tangible proof that these 2 collection accounts belong to me, other than to say, " we verified this item belongs to you. ''
Consumer complaint received 2022-03-23
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. (IL)

I Have provided Evidence to XXXX, Transunion, and XXXX of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NM)

my chase XXXX visa cc keeps getting declined i have to call them on a daily basis to get charges to go through they keep saying it is my address but my address has not changed since i got the card
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted multiple disputes for accounts reporting on my TRANSUNION credit report that do not belong to me. I have submitted multiple fraudulent disputes where Transition states they have " verified '' the account as mine, but when I ask for them to provide me proof of how it was verified they do not comply, but continue to leave the accounts reporting on my credit report. it is a violation of my consumer laws to furnish deceptive forms including unlawfully reporting inaccurate information to a consumers credit report. It is also a violation of my consumer rights to not properly furnish the form of verification that was used to " verify '' the inaccurate fraudulent accounts reporting on my credit report.
Consumer complaint received 2022-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

Financed new windows through XXXX XXXX. They broke our project up into 2 loans with 2 different financing companies. We have had problems since day 1 with XXXX XXXX. This project has been going on for 2 years now and still is not complete. I have numerous documents, e-mails, etc going back and forth. I have had numerous XXXX XXXX contractors, window manufacturers, managers, etc at my house trying to get this job completed. Every time it seems like we are getting somewhere all of a sudden that person is no longer employed with XXXX XXXX and we have to start all over. I have a list of so many names that we have dealt with that are no longer employed with window nation. This project has been a night mare trying to get new windows in my home. I have been paying on the one loan since the very beginning, but I was originally told by Service Finance not to sign off on any final documents until I the job was complete and we were satisfied. We continued to stay in communication with service finance and tell them the job was not getting done and explain all the problems we were having, they even told us they were having problems with XXXX XXXX communicating with them. Well about a year ago Service Finance started having new people take over our account and they have been very rude and nasty. They have told us they don't care if the project is done or not they are releasing the money to XXXX XXXX and we are responsible to start paying this loan. We have been asking to speak with a manager and are told one will call us back well that was from XX/XX/2022 and we have not received a call from a manager yet. When my husband spoke with Service Finance again today and asked to speak with a manager he was told NO and transferred to the complaint dept and spoke with a XXXX who said she saw all the notes on our account and we needed to pay this loan no matter if the job was done or not. We still do not have our new windows in and are now being forced to pay on the second loan. So XXXX XXXX is paid in full and our job is not complete. Where is our protection? Where are our rights? Why am I being made to pay for services I did not receive? Service Finance is a very rude and Nasty Company along with XXXX XXXX. I would not recommend either of these companies EVER!!!!
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Good morning, I've tried to contact HSBC Bank more than 12 times, my money has been blocked, my debit card, which I access online, everything is blocked, I have bills to pay today and XX/XX/XXXX, my rent, all my bills are overdue for cause of HSBC bank please I need urgent help
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (LA)

On XX/XX/2019 I received a consent judgement paper in the mail for myself, along with another person 's personally information inside of my letter. 
I received her legal information with her last four SS #, her name, and her address. 
I contacted the Attorney 's office XXXX, XXXX, and XXXX, XXXX. I let them know what happened, the person XXXX I spoke to just asked that I sent it back. I then spoke to the Supervisor XXXX XXXX at the Attorney 's office his number is XXXX ext XXXX. Mr. XXXX stated it was a sorting mistake, and he will escalate this error the Manager of the mail room. I also mentioned that I wanted the balance of the debt erased and a letter stating it was taken care of. I also let them know that I have filed a complaint with the Federal Trade Commission as well. 

I also contacted the lady that I received her information, she also let me know that she received my information as well. 
She just put a sticky on the my information and mailed it back.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (DC)

An unknown, unrelated, XXXX XXXX account appeared on my online list of Truist accounts. I immediately reported it to the bank 's fraud phone line but they could not explain it or fix it or change my account numbers. I called the XXXX XXXX XXXX whose mystery account showed up on my online list, but they could not explain it or fix it. I reported this fraudulent activity in person to a Truist bank officer, who issued me new checking & savings account numbers & ordered a new credit card. She ordered replacement checks with the new account number with assurance that the charge would be credited via the customer help line. She said she could not waive the charge herself as she had been able to before the bank became Truist. Eventually {$32.00} was charged for replacement checks that were required due to the reported fraudulent activity, which the bank officer promised would be refunded by Customer Care. When the charge appeared I called Truist customer care, but the phone representative would not issue a credit & would not escalate my call. The reported fraudulent activity is STILL present online & uncorrected. Also, with the change in account numbers, I lost online access to all of my previous years of statements ( under the previous account numbers ) -- the information is now missing, it was not transferred or carried over to the new account numbers. This caused an outstanding check to be returned with a insufficient funds fee of {$34.00} that I repaid the payee. The credit card stopped sending statements & alerts & for a time I lost access to old & new accounts, resulting in a late fee I only discovered when I got a robo phone call ; once online, I also noticed a {$38.00} discrepancy in charges. I sent them a separate complaint with prepaid return receipts costing {$18.00} that they did not send back. They refunded the late fee but not did not send a reply or address the discrepancy. In XX/XX/2022 I sent a new complaint to Truist ( 6 pp letter plus 18 pp of attachments ) & have not received a reply, acknowledgment, correction, refund, or apology.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Experian is currently reporting the collection account from XXXX XXXX XXXX Account # XXXX with a past due balance. This is incorrectly reporting and after several attempts, the problem has not been addressed, nor has the reporting been validated or verified.