davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc. (MS)

on XX/XX/2021, i sent SOUTH MISSISSIPPI COLLECTION a letter about a alleged debt of a XXXX that i dont owe.XXXX XXXX XXXX  sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of $ XXXXSOUTH MISSISSIPPI COLLECTION sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$110.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTH MISSISSIPPI COLLECTION has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Consumer complaint received 2022-01-29
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. (NV)

I've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXXI 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect information
Consumer complaint received 2021-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I, XXXX XXXX XXXX XXXX am, the consumer in fact 15 usc 1692a ( 3 ), natural person. 
CAPITAL ONE keeps sending me monthly statements with multiple logos and symbols which is a direct violations of the FDCPA under 15 usc 1692b ( 5 ). 

CAPITAL ONE failed and refused to disclose the name and address of the original creditor which violates 15 usc 1692g and misleading and unfair under 15 usc 1692e ( 11 ). CAPITAL ONE keeps demanding payment, and keep taking money from my account CAPITAL ONE made invalidated report to the consumer reporting agencies without my written consent which violates my privacy, under the FCRA which 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681b ( a ) ( 2 ). 
CAPITAL ONE have used my credit card 15 usc 1602 ( i ) aka social security for its own benefits without having any authority for such use, which is an unauthorized use under 15 usc 1602 ( p ). 
CAPITAL ONE monthly statements showing a positive balance, constituted a Billing Error pursuant to 15 usc 1666 ( b ), failed to include a statement of extension of credit. Failed to disclose the creditor. 
CAPITAL ONE willfully violates 15 usc 1601, 15 usc 1611 for willfully not disclosing material fact regarding the alleged debt. Causing me harm and mental anguish, and I am being denied credit. 
CAPITAL ONE is harming my reputation, by reporting invalidated debt to the consumer reporting agencies which violates 15 usc 1692d ( 1 ). 
False or Misleading Representation by CAPITAL ONE pursuant to 15 USC 1692e ( 11 ) failed to disclose that they are attempting to collect a debt. 
CAPITAL ONE failed to provide the Notice of debt with the name of the creditor pursuant to 15 usc 1692g ( a ). 
( See attached file )
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TN)

Hello, I received an email from Citibank on XX/XX/XXXX to sign up for a new Citibank checking account and receive a {$200.00} welcome bonus by opening the account and depositing {$3000.00} within 30 days and maintaining for 60 days. I made a deposit of {$3000.00} on XX/XX/2021 and it is now XX/XX/XXXX. I completed my requirements right away and after messaging and calling the bank they're saying they have no record of my account being attached to this offer. I have a PDF of the offer terms that I saved when I applied and I attached it here. The bank is refusing to issue the offer which is a breach of contract. Please help!!
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On the evening of XX/XX/XXXX my debit card quit working. When I tried calling the bank for assistance the automated system told me to call back in the morning and hung up ( although website said assistance was available until XXXX XXXX and it was only XXXX XXXX ). The next day I had to board a flight to XXXX before the banks opened. When I got to XXXX and called the bank 's XXXX number was when I was informed they were closing my account and had frozen my funds, leaving me stranded at the XXXX airport without enough cash to get to my hotel. I was able to get assistance finding a way to get to a Bank of America and with their assistance was able to get my funds unfrozen but they would not be available for 24 hours. The next day I returned and withdraw what I needed for my trip. I returned home XX/XX/XXXX and on XX/XX/XXXX went to get funds from my bank account so I could pick my XXXX   up from a XXXX XXXX only to find they had once more frozen my funds. Once more, I had to call the XXXX number and with the assistance of a bank manager arrange for the funds to be released but would not be available until the next day. During all of these encounters they refused to provide any explanation of why they were closing my account other than it was a business decision. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Bank of America informing me they were closing the account and what that meant. 

My complaint is based on their failure to timely notify me of the plan to close my account so that I could have made arrangements to secure travel funds. Instead I paid twice the fare for taxi transportation because I could not use XXXX without a debit card, I was forced to limit meals to my hotel and pay the inflated prices for the same reasons. In addition to the stress and inconvenience, Bank of America 's failure to notify me before freezing my funds and deactivating my debit card cost me approximately {$100.00} in inflated expenses due to the loss of debit card access. If they had notified me BEFORE they took action it could have been avoided.
Consumer complaint received 2017-08-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (TX)

This debt collection company involved is : Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX They call me about 2-3 times PER day during business hours while I 'm at work, I have already blocked their phone multiple times but they use a different number every time. 

The worse part however is that this debt is from XXXX, and they are reporting it in my XXXX credit report with a date of XXXX XXXX. I have already disputed this debt and got it taken off my XXXX  credit report, however XXXX has been uncooperative on investigating and resolving the issue. I had to speak with 3 different customer representatives and finally the last one begrudgingly submitted my dispute request. Their final result was that the debt was valid even though it states in the investigation document the debt is from XXXX, they still left the date of XXXX XXXX!
Consumer complaint received 2022-01-29
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: Spring Oaks Capital, LLC (VA)

The credit reporting agency allowed the same company to be listed as a charge off on my report and a collection under two different names but they are the same XXXX XXXX also known as XXXX XXXX XXXX XXXX put a charge off on my report in XXXX but did not issuse a 1099 from the IRS. On XX/XX/XXXX nearly eight years later the same company reissues a collection account brand new on my report. Spring Oaks Capital opened and old charged off account nearly eight years old as a new collection. The collection agency claims this fraud is allowed for the same company to continue open old accounts as new causing great economic harm to my family. Spring Oaks Collecton knowingly and fraudulently opened an eight year charged off account as new, this is not legal. I have filed numerous disputes with the agencies biut to na avail. Spring Oaks Capital are fraudulently opening up new collection accounts under a different name. XXXX XXXX XXXX XXXX XXXX are the same compnay. This company is trying to apply double jepoardy by destroying my report and using criminal fraudulent tactics.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

I have tried to have this company Discover to remove this off my report. once i paid my bablance off they would remove this from my credit report. and it is still here reporting charged off but i paid the full balance off. can you please just remove the whole thing off my credit please
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (FL)

I have just officially now have a collection on my credit report from Medicredit for XXXX $ dollars. I have not received any letters or info from them regarding this debt. This is the website https : //medicreditcorp.com. There is no mailing information for this company on the website nor on the credit report. As such I can't contact the company for a debt validation letter, which is a consumer right, nor for any other communications as I would like to keep contact only through mail. 

I think it is absurd that a debt collection company can operate without posting this type of pertinent information
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This complaint is regarding the XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX is factually incorrect. 

The vehicle regarding this auto loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. Yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account and its entirety from my credit file. 
A monthly should not exist after a repossession has occur.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

One day a few years ago I was at a restaurant and Chase put a block on my account. They then closed my account without telling me why they closed my account. In XXXX of 2023, I paid {$250.00} for a settlement at the XXXX XXXX Ohio branch. I opened a account again at the Chase location and they sent my debit card and everything, However when I was in XXXX, FL the next week. Chase closed my account again. I never done anything bad with chase and I wanted to open a business account for my restaurant as well and Chase is telling me that I can't get another account with them but no on will tell me why. Chase is sending me emails of credit updates but will not let me log into the account but my information is in their system. I am wanting to speak to an executive or someone to see how to I can get my account back or another account along with opening a business account for my restaurant.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION. 

15 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.

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 the information is inaccurate.

15 USC 1681s-2 SECTION B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

On the morning of XX/XX/XXXX I received an email that my Discover card account had been closed. I called Discover and it was mentioned that a letter and email had been sent ( XX/XX/XXXX ) regarding the account status, however neither of those had been received nor exist. I have received several other account-related emails from Discover during this time. The representative to Discover sent me to a non-responsive team who she believed could assist me with the account, but she actually just terminated the call. 

I reached back out to Discover and was escalated to a supervisor shortly after my interaction on XX/XX/XXXX. The supervisor reiterated the dates but stated that the account had been terminated, they could not assist. They could not verify the address the letter was sent to regarding the account status. 

Despite having their app, numerous emails and letters about my account, and activity within their products, I believe my account was incorrectly terminated by Discover and they display anti-consumer negligence in their consumer outreach and customer service.
Consumer complaint received 2017-08-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014
Consumer complaint received 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: DigniFi (FL)

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 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.

5 U.S.C 1666B : A creditor may not treat a payment on a credit on account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-29
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: EQUIFAX, INC. (AL)

as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. Wrong spellings of my name include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} XXXX XXXX
Consumer complaint received 2022-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Highway XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX LOT XXXX XXXX, AL XXXX. Wrong XXXX of my name include : XXXX XXXX XXXX XXXX XXXX rental car, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} XXXX XXXX
Consumer complaint received 2022-01-29
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: EQUIFAX, INC. (MI)

Last Saturday, XX/XX/22 I logged in to see my credit score with Equifax and noticed that they dropped my credit score by XXXX points because I paid off my mortgage in XXXX! Not only did they do this, but they removed other paid off loans that should have stayed on my report, I was 100 % on time with my payments, but that all got wiped out!! Im in my XXXX and recently widowed, I was married for many years and my husband and I took out many loans which were paid off before they were due! I filed a previous complaint, but all they did was avoid the problems listed and didnt answer any questions as to why! In fact, they put the exact same response as XXXX did! So, Ill number the items that need to be addressed and I want a direct response to them, not a lot of skirting around the issue! 

1 ) I want my score brought back up, immediately to where it was!

2 ) I want paid loans that you removed put back on my report that you had no business removing because it shows my credit history! The less it shows, the worse the score, obviously!

3 ) I want my credit history to go back to what it was, you are lying to people that view my credit history when it says only 5 months! Youre slandering me!

4 ) One of your representatives told me that I have credit card opportunities so I should get some credit cards to rebuild my credit! This tells me that you are in cahoots with credit card companies and are pushing people into debt further! I am filing complaints with other government agencies because there needs to be an all out investigation done with all of the credit bureaus. I am also filing complaints because I am XXXX and a widow, I am being discriminated against.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

This complaint is being made against Experian, XXXX, and XXXX on XX/XX/19. I checked my credit report on XX/XX/19 and this alerted me to several hard credit inquiries that were not authorized by me. The reporting companies websites clearly indicate that I can not make a dispute for inquiries online, and directs me to call their respective dispute lines. Upon calling them an automated menu walks me through a few basic menus that do not include any options to start a dispute or to report errors, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how blatant of an attempt this is to misrepresent how a consumer managers money just so that we can be constantly categorized as high risk so banks can charge us higher interest. I won't stand for it as a tax paying citizen in this country.