davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (MS)

This is a notice and demand of validation of debt and dispute. 
XXXX XXXX XXXX Account # XXXX This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # XXXX under which I accrued the alleged debt for {$430.00}. 
2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter. 
3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification. 
5. Please also include the date which you communicated with that individual or the date by which the system was access. 
6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation. 
7. Please inform me of the date you opened account # XXXX 8. Please provide me a record of any payments or other reductions since the last billing statement for account # XXXX 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office. 
If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.
Consumer complaint received 2018-08-04
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: Experian Information Solutions Inc. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Bankruptcy : Discharged CH-XXXX.
Consumer complaint received 2018-08-04
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. (NJ)

have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX Account # XXXX Account Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX  XXXX  A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX-XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P 36M 036 Months Comments STUDENT LOAN ASSIGNED TO XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}
Consumer complaint received 2018-08-04
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. (NJ)

have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX   Potentially Negative Closed Account Name XXXX XXXX XXXX   Account # XXXX Account Type Bank Credit Cards OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX  Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX  Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX   Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX  Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX  Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX  XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX   XXXX Account # XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX   Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P 36M 036 Months Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a Citibank checking and savings account on XX/XX/XXXX with the promo code XXXX with the expectation that once I met the criteria that were stated I would get the promised {$400.00} cash back. As of XX/XX/XXXX, not only have I not received my cash, I have had to call in multiple times to have incorrect fees waived from my account. I have had multiple claims supposedly submitted on my behalf but they have just gone into the ether.
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (TX)

First, my request to block is not being made in error ; nor is my request being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. Experian is denying me of my rights as a consumer!! 15 U.S. Code 1681c2- Block of information resulting from identity theft explicitly says the information needed for a consumer agency to block and delete information reporting on a consumer file. ( A ) Block- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft ; not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer- PROVIDED ; ( 2 ) a copy of an identity theft report-PROVIDED ; ( 3 ) the identification of such information by consumer-PROVIDED ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer-PROVIDED. It is clear that Experian does not comply with federal law. What right do they have to deny me ( consumer ) of my federally protected rights? I have provided everything necessary for this block of information. I have attached all documents and also attached the email they sent me recklessly asking me for additional information which is not required under federal law. Last, I did not give Experian permission to place an extended fraud alert on my credit report allegedly on my behalf.
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: TRANSWORLD SYSTEMS INC (TN)

I have been receiving letters from a debt collector on a debt that I am disputing. I have written numerous letters to the collector disputing this debt as well as contacting the doctor 's office that claims I owe the debt. I have been told by the collection agency twice in writing that my debt has been marked paid, but then a few months go by and it all starts again. My attorney sent them a letter of representation XX/XX/XXXX. I received a letter from them dated XX/XX/2016 saying the debt has been marked paid and the account closed. Then XX/XX/2016, I get another letter explaining some crazy billing error and that once again, my account was open and I owe the debt. Then I receive a letter addressed to me with the original amount they claim I owe, only this letter asked me to send my payment to some company I have never heard of. I replied to the letter informing them that I have never heard of such a place and I do not owe any money to them. Again, the letters started XX/XX/2016. On XX/XX/XXXX, I sent my 4th letter to this company reminding them that I am represented by an attorney and reminding them that I do not owe the debt. Today, while I am at work, I received a phone call on my cell phone from a number I didnt recognize. I answered it quickly since I am at work and the person on the other end spoke with such a thick accent that I could barely understand him. I asked him who he was and he said something I couldnt understand and then he said the letters XXXX, only not in the correct order. Those are the initials of the doctor 's office that claims I owe them money. I whispered into the phone that I dont owe them anything and I quickly hung up. I dont know what else to do. I have told them in writing that I dispute the debt. I have told them now over the phone that I dont owe them. My attorney has told them in writing. They have not tried to contact my lawyer at all. This company is breaking the rules in the Fair debt collections act and I want them to stop.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

COMMUNITY loan has added more money to my mortgage for FEMA required flood insurance XXXX have been talking to them for months about how I am already paying more in my condo assessment for flood insurance, even sent them a copy of the policy. COMMUNITY loan says they are having problems with the policy because it doesn't mention my unit number, just the condominium building and so this has been going on for 3 months and they are still charging me for flood insurance.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC (MD)

My wages are being garnished, and the docket from the District Court of Maryland shows I am supposed to pay 10 % Interest from XX/XX/XXXX to XX/XX/XXXX and I have been getting charge 10 % interest every month by Glasser and Glasser. I called them to correct this and they told me that the information on the docket from the District Court was incorrect.  I think they are over charging me. They also have not been providing me with monthly statements. Therefore I really have no idea what theyre doing in the statements I do have extremely confusing.
Consumer complaint received 2018-08-04
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: CITIBANK, N.A. (CA)

Re : Hard Inquiry/Unverified on my behave I recently checked my credit report with XXXX, XXXX, XXXX.It reflects that an unauthorized Hard Inquiries from your company : CBNA Hard Inquiry done on : XX/XX/2017 Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX, XXXX, XXXX to Dispute center and to the Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX.I have not yet received any return correspondence from CBNA.
Consumer complaint received 2023-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Company mailed me this Adverse Action Notice, stating that I asked for credit. I did not ask for extended credit of {$6000.00} of any kind, False information. I am also concerned about my history and under the 15 USC 1681a ( k ) Collections action and judgments, past credit history unfavorable charged-off
Consumer complaint received 2018-08-03
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: Westlake Services, LLC (MD)

I disputed an inquiry that was falsely made by WestLake Financial Services. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX which was received on XX/XX/XXXX, After more than 30 days passing from the time the letter was received, this company did not respond to my letter. I did not authorize anyone employed by Westlake Financial Services to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2018-08-03
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: AMERICAN EXPRESS COMPANY (OH)

My XX/XX/2018 billing period reduced 5 % cash back eligible charges to 1 % because American Express changed the annual tracking period from end of statement date to anniversary of card initiation. However, American Express refused to credit the additional 1 % charges to my required {$6500.00} minimum annual purchase hurdle, thus cheating me out of earned 5 % cash back charges. 

After explaining the problem on XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18 to various American Express customer service employees, I was told that my complaint was accurate but that American Express was not going to credit me the money owed to me.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I opened a paypal account but system dont let me use it because say Im a risk and then block and limit my account, I sent all the documents that PayPal system needs to verify my identity and open my account but they were unable to activate or remove the limitation
Consumer complaint received 2022-03-08
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. (MO)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00} CXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX MISSOURI ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} CON XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} SXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX AXXXX XXXXI XX/XX/XXXX OXXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXL XXXX XX/XX/XXXX
Consumer complaint received 2018-08-03
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: Exeter Finance, LLC. (MD)

I disputed an inquiry that was falsely made by Exeter. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX which was received on XX/XX/XXXX, After 30 days passed, this company responded to my first letter by sending me a letter stating i should consult with another company on this matter, which doesn't make any sense, This particular company wasn't listed on my credit profile Exeter is. I did not authorize anyone employed by Exeter Finance to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.