davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (CA)

1-On XX/XX/XXXX I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. I dispute this charge. 

2- On XX/XX/XXXX I responded with a signed letter sent via USPS disputing and requesting validation of the claim ( attached document " XXXXLetter_1 '' ) pursuant to the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( b ), as well as requesting that in the case of no response within the required 30 days, all references to the account be deleted ( as legally required ). 

3- I received no response from the concerned party within 30 days. 

4- On XX/XX/XXXX, over a year later, I once again received I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. 

5- On XX/XX/XXXX I responded with a signed letter sent via USPS disputing and requesting validation of the claim ( attached document " XXXXLetter_2 '' ) pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), as well as requesting that in the case of no response within the required 30 days, all references to the account be deleted ( as legally required ). I also asserted that New York State has a one-year statute of limitations for collection of XXXX debt, therefor making any collection attempt beyond the statute of limitation. 

6- I received no response from Linebarger Goggan Blair & Sampson LLP within 30 days. 

7- On XX/XX/XXXX, almost 2 years from the last letter ( and almost 3 years from the original letter ), I once again received I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. 

8- On XX/XX/XXXX I responded with a signed letter sent via USPS informing of a pending complaint to the CFPB and once again disputing and requesting validation of the claim ( attached document " XXXXLetter_3 '' ) pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), as well as noting all references to the account should have now been deleted at two different instances as is legally required. I also re-asserted that New York State has a one-year statute of limitations for collection of XXXX debt, therefor making any collection attempt beyond the statute of limitation.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 
: XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (NJ)

I contacted Pressler , Felt & Warshaw , LLP via e-mail, with no response, a couple of days later, on XX/XX/XXXX, my wife, followed up. I'm in XXXX XXXX as a result of being a healthcare worker and contracting COVID on XX/XX/XXXX, 9 days later I was in serious trouble and have been in and out of the hospital, seeing doctors, XXXX XXXX XXXX XXXX XXXX, now I'm on XXXX. We requested that Pressler, Felt & Warshaw accept the amount paid as a settlement. The gentleman on the phone stated " a compliant has already been typed up, but has not gone out, how much can you pay today. My wife stated " did you hear what I asked for, he said " yes '' and continued to ask for a payment of {$200.00}, she advised that we were unable to provide that kind of payment. Finally he accepted a {$75.00} payment. Never even attempting to work with us at this difficult time in my life. Ironically the attached letter showed up the same day in my po box XXXX I believe it was totally unfair that the only concentration this gentleman had was to get a payment and not understanding the extent of the health issue. Also, I am disputing the validity of this claim as XXXX XXXX during COVID had added a lot of fees to my account, that should have been removed and lowering the balance. Also, they were harassing me all times of the day, calling and trying to collect money XXXX times a day, sometimes one call right after another, stating that their system calls automatically and they had no control. Even after I advised I just spoke to someone, they proceed to harass for a payment, I'd request to send in writing and stop calling me, the letter never came and the calls never ceased. Being a healthcare work XXXX XXXX has signed certain protections into place for healthcare workers.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (OK)

I applied for the XXXX XXXX XXXX XXXX Card back in XXXX or XX/XX/2023. I was originally sent a letter stating I needed to mail in front and back of my Drivers License, Social Security Card with signature and a current utility bill. The only option in the letter was to mail this information in. After spending money to buy an envelope and a stamp i sent the information in 2 weeks later. I received another email after asking for the same information again. There is no number contained on the letter to even call and talk to someone to understand why I would need to send the information back in. I XXXX  and found a number for a customer service department and was finally able to reach someone and was told my information was cut off and I would need to send it in again. I then asked if there was another method of delivery as I had already spent more money than expected buying a large envelope and stamps. I was provided a fax number as the only other option. Once I had access to a fax number I resent the information, probably 4 weeks after initial application. I had not heard a response and 2 weeks later I called in again and was told I needed to speak to someone in fraud department to clear the application. At no point did Barclay 's try to reach out to me to clear anything. I spent time on the phone where an associate called me on a separate line to ask me some security questions and clear my application. I was told that the application would be approved once another department finished clearing. I then waited another 2-3 weeks and called in again after not hearing anything about my application. I had to go through the fraud department calling me on a separate line again and me answering security questions. I was told my application was being approved and I would receive a card in the mail within 14 days. More than 2 weeks past and I had not received a card. I called in one final time and asked for a Manager. I was told they could not approve my application because it had been more than 90 days and my credit report had expired. This manager then offered me to apply again and told me they now have all of my documents on file. I then confirmed that would require pulling a new credit bureau report which could negatively impact my credit score for an error on their end. She did not offer any other alternatives other than going through the application process again.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-09-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * XXXX. Account number is different *see attached document* XXXX. The amount is different *see attached document* This is damaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WA)

I was informed by my job that I was being garnished by XXXX XXXX XXXX Managing Attorney. I sent a certified letter. dispute letter. 
I am requesting more information on this debt. The debt collector informed me that he has no more information beside a bill from 2016, which this doesnt show this belong to me. Therefore the garnishment.need to stop until more information shows this debt belonging to me. Paper work was severed to the wrong house in the wrong county, which do not the belong to me. We have two account number that I am disputing FIRST - account XXXX in the amount of {$1600.00}. 
Second account. Number XXXX {$8800.00},
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

XXXX XXXX has been reporting my credit history to all 3 credit bureaus and that information is incorrect. To start they are stating they had my mortgage since XX/XX/XXXX and they were not even established as XXXX XXXX until XX/XX/XXXX. Furthermore HFC held my mortgage inXX/XX/XXXX to XX/XX/XXXX when it was sold to XXXX. Please see attached cover letter to explain more in detail with other docs involved to dispute this case.
Consumer complaint received 2015-11-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I fell behind on my mortgage payment this year. My mortage co. was holding XXXX $ in a suspense account I sent them about XXXX $ XX/XX/XXXX cashiers check because they kept returning my payments I would send them a check as the arrangement that was made between the account mgr and myself. He accepted the arrangements. then the arrangements were not good enough. I was to send XXXX $ every 2 weeks. They would take almost 2weeks to cash my checks then charge me more fees. My XXXX is no where to be found and I have been sending my payments via certified mail to ensure they get them My accont is way behind with all their fees they keep changing where my missing $ is and they keep threatingto forclose on my house. they wont fix my account or tell me where my missing $ is I got a payment report from them it says the money was returned to me I never got it and they cant tell me the check # or when it was cashed and it has not been applied to my account.Ever since this company got my loan they have done nothing but mess up my account from the 2nd month they had it
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a accountwithout my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX A, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX 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 Delete the late payments please immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2019-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX I deposited two IRA distribution checks to my Bank of America savings account. Both deposits went through with a timestamped transaction date of XX/XX/XXXX. My total balance reflected both successful deposits, while the majority of the funds wouldn't be available until the next buisness day. A few minutes later a hold was placed on my account on one of the deposits, and prevented acces to these funds untilXX/XX/XXXX. According to the Expedited Funds Availability Act, they were able to do this as an exception because the total amount of deposits exceeds {$5000.00}. However, they failed to release the minimum of {$5000.00} which they were obligated do as this was an " official '' transaction, an IRA distributionfrom XXXX. When I called customer service they lied multiple times, telling me they couldn't verify the funds with XXXX or XXXX. This is the functional equivalent of a cashier 's check, and I have a two year history of depositing from XXXX. I've never over drawn the account, and I've had it open since XXXX. They wouldn't allow me to cancel the deposit, they refused to remove the hold, and mislead me multiple times as to the reason why there was a hold. Lastly, they provided erroneous information about the laws that govern these transactions indicating they were within their power to hold the funds indefinitely. They also interrogated me about what I needed the funds for, and I would have to disclose that to them if I wanted the money released. That is totally unethical. They have no reason to demand that non-public information or use the hold as leverage to acquire information they arent entitled to.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I received a letter from Capital One Auto Finance XX/XX/2023 for a loan for 72 months, monthly payments {$670.00} and first payment due XX/XX/2023. I reached out to Cap One on XXXX and had to leave a message. I waited the XXXX hours it said but no one called me back. On XXXX someone reached out to me to let me know that I needed to fill out some documents and file a police report before they would start an investigation. They will not accept the documents via email. They will only accept them via fax or regular mail. This loan was taken out in XXXX, and I have lived in southern Indiana over 30 years. I feel as if Capital One did not do their due diligence at the time this loan was given for proof of identification.
Consumer complaint received 2020-09-24
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: LoanCare, LLC (NY)

I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXX XXXX  XXXX XXXX, XXXX NY was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

Loan Care is known for doing bad practices of this nature. If this matter is not rectify ASAP!
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX of XXXX, I needed a prepaid card like like a XXXXXXXX XXXX XXXX. I found American Express Serve card at XXXX. I was going to pay for the card and load money with my debit card but I was told I would have to pay with cash. I had to go to a ATM to pull them {$500.00} out and load it to the card. 

Once I purchased the card and loaded it with XXXX. I went to register the card and it didn't work. As I write this on XX/XX/XXXX, I've called and wrote letters. I still haven't heard from Serve on this issue. I have a card with {$500.00} that can't even be activate and says I have the wrong card information. I need help asap.
Consumer complaint received 2023-05-09
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. (PA)

On XX/XX/2023 I paid/spent {$1100.00} worth of Chase XXXX XXXXXXXX XXXX XXXX book XXXX ( XXXX ) hotel reservations, with guaranteed FREE CANCELLATION. When I attempted to cancel for full refund on XX/XX/2023, the vendor ( XXXX ) refused saying the reservation was " non refundable ''. This is Consumer Fraud as the vendor unilaterally changed the transaction terms AFTER booking. Transaction was predicated on Terms and Conditions that allowed FREE CANCELLATION. 
On XX/XX/XXXX ( email ) and again on XX/XX/2023 ( hard copy letter ) Chase AFFIRMED there was a " system error '' by them which had caused the change in Terms and Conditions after booking. As corrective action, Chase stated that " We have issued a full refund... we've credited your account ... points available for refund ... ''. All of these statements are FALSE as none of the owed points are in my account. 
I have called Chase XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX  XX/XX/XXXX to inform Chase that the Refund is NOT in my account. I have called their contracted Reward 's vendor ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX. In total I have spent over XXXX ( XXXX ) hours on the phone with NO corrective action. Refunds still not in account. 
I am starting a new complaint since Complaint XXXX  XXXX is still open and uncorrected. 
All suppporting documentation is attached
Consumer complaint received 2023-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (IL)

This loan is from XXXX. I never got a court judgments etc I was unemployed for 2 years. I only started working again. Medication and my lap top were in car as well. I only got access to the vehicle as my ex husband had it. I reregistered it. I got no warning they opened the gate to get it - in a private drive way. Im begging for help. Again it was not an auto loan. They paid only partial off the XXXX XXXX loan. I also purchase insurance for the loan that if I suffered job loss or hardship it was covered. They refuse to provide me original loan documents.