davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (CA)

My compliant is against Discover Bank, account # XXXX, date open XX/XX/XXXX, account status open. On XX/XX/XXXX. I sent a dispute letter so the Discover bank can investigate on a 30-day late payment back on XX/XX/XXXX. Discover Bank fail to mark the account as disputed after they received our dispute notice, violation of FCRA and California Credit Reporting Act. Im attaching letter I sent back on XX/XX/XXXX with proof that fax was successfully received by Discover Bank. Im also including an unfiled SC-100 that I will file in the event that late payment is not remove from reports as soon as possible.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vanguard Financial Services, Inc. (OH)

Vanguard financial service has 8nserted this account in my experian report. The original creditor did not properly bill my HSA account. Vanguard will not send original account information like i requested or respond to calls to get this debt taken care of.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account :
Consumer complaint received 2021-06-11
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: ENCORE CAPITAL GROUP INC. (CA)

I have asked for debt validation from Midland Funding for Debt Validations since xx/xx/xxx to present. I have attached my last 2 communications requesting the same information also from Experian in addition to other proof of claims that have yet to be answered thoroughly. Neither have provided through information and I have certified mail receipts request with failure to follow through and return my receipt required tracking. Midland Funding has not send me the following information I requested : alleged account number,, date this alleged debt became payable, date of original charge or delinquency, was this debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. My request for the agreement between Midland Funding and their client, signed agreement debtor has made with the debt collector or other verifiable proof Debtor has a contractual obligation to pay Debt Collector, any agreement that bears the signature of the Debtor where in agreed to pay Creditor, all statements and so on. ( request attached ). Notice that the consumer had 30 days and my previous request of 10 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day and previous request of 10 day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also violated. I am entitled per 15 USC 1692k Monetary remedies of every violation listed within my complaint. Negative account must be removed and collection must cease per violations. Previous communication via phone with Midland Funding violated section 15 USC 1962 C & D after informing them to stop harassing me, violation 15 USC 1692 f by practicing unfair practice, violation 15 USC 1681 by reporting incorrect information.

In addition to this Midland Fund is what is reporting on my credit report but Midland Credit Management is who is responding with partial request.
Consumer complaint received 2019-06-20
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

A fraudulent charge for {$410.00} was made on my credit card account on XX/XX/19 while the card was in my possession. I disputed the charge immediately with the credit card company, 5/3 Bank and a fraud case was opened. 

The first response to the fraud investigation was a letter dated XX/XX/XXXX and received on XXXX requesting additional information to substantiate the fraud claim. I called the company to understand what evidence would be beneficial and was told an XXXX would be calling to discuss. No call was received. I received ( on XXXX ) a letter dated XXXX indicating that the claim had been denied and the charge was not fraudulent. I immediately called the credit card company whose customer service representative indicated I should request the case be reopened. I did so via email on XXXX and included phone records showing my geographic location was over 200 miles away when the charge was made. 

I have since followed up with the vendor via phone calls on XXXX, XXXX, XXXX and XXXX only to be told in the final call that the transaction was too old to take any further action. Each time i spoke to customer service representative who assured me that a call from a fraud investigator would follow.
Consumer complaint received 2015-12-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (AL)

I do not have outstanding debt and recently paid off any debt with collections. The number XXXX has been calling my cell phone numerous times everyday but leaves no message. I googled this phone number and found out that it belongs to a scam Medical Collection Agency which currently has lots of law suits against them. 

" ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' I would like the company to cease any sort of communication with me as I believe this to be harrassment and fraud.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NV)

74 charges totaling {$4000.00} were marked as fraudulent. and credited to my account in XXXX of this year 2021. 
Later in XXXX when receiving my new card all 74 charges were then recharged on my account as soon as I used it to take an XXXX  trip. 

After speaking with a representative we found that 73 of the charges were by the merchant name " XXXX XXXX '' and correctly marked fraudulent totaling {$4000.00}. 
1 of the charges were from " XXXX XXXX '' on XX/XX/2021 for {$11.00}. and incorrectly marked by the card company as fraudulent as ( I had requested only charges to " XXXX XXXX '' as fraudulent ) my trip with XXXX recharged all of the 73 fraudulent charges as well. 

I reopened my fraud case with this new information. 

I have never used XXXX XXXX to make a food delivery : I do have 1 legitimate order on XXXX XXXX from " XXXX XXXX XXXX' for {$65.00} which is not on the list of fraudulent charges as it was not processed under " XXXX XXXX '', but otherwise I have 0 orders from the XXXX XXXX XXXX  and have never used it to make a food delivery. 

on XX/XX/XXXX, a chase fraud representative handling my case named XXXX, called my phone at XXXX XXXX, after 2 minutes of intermittent connectivity the call was lost. I called back 3 times, XXXX, XXXX on the same number ( XXXX ) XXXX and then again at XXXX but this time on the number on the credit card ( XXXX ) XXXX. A representative told me that XXXX was now inactive. but would leave my number to be called back. I never received a call On XX/XX/XXXX I called back and I was informed that XXXX decided that the charges were all legitimate on the XXXX without the communication or information he clearly initially wanted to call and ask from me. I informed the representative that I would make a CFPB complaint.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IA)

On XX/XX/2021, I became aware that my account ending in XXXX was closed due to inactivity. I began a chat session on the American Express app and was told to call XXXX to have a customer service rep assist me in reactivating my account. Upon calling, I spoke with a customer service rep who began assisting me in reactivating my card. They asked for general security information ; name, address, phone and last 4 of social security number. A few moments later, they came back on the line and informed me my card had been reactivated. They asked if there was anything else they could assist me with and I said " yes ''. I needed them to order me a replacement card because I no longer had access to my previous card for this account. They acknowledged my request and put me on a brief hold to start the reorder process. A few moments passed and they came back on the line asking for security questions again, this time for my full social security number and income. I felt uncomfortable providing this information as it felt like they were submitting a new application for a credit card, which I had not authorized. They said I could call back later and speak with a different customer service representative to complete this process if I'd like. Instead, I asked to speak with a supervisor. Again, a few moments passed and they came back on the line stating their supervisor was on another call and would call me back ( no timeframe given ). They also stated that after discussing my scenario with their supervisor that I was indeed applying for a new credit card account ; after they had already confirmed I was not opening a new account. I reiterated this was not authorized and that I only wanted to order a replacement card for the account they had just reactivated. I am filing a formal complaint with the CFPB as I believe I was treated unfairly into thinking I was only ordering a replacement card when in reality, I was applying for a new card. Fortunately, I became aware of the situation once asked for my full social security number and income and did not proceed with the process. I believe the customer service representative actions were deceptive in the fact that they used unscrupulous sale practices in order to sign me up for a new account.
Consumer complaint received 2019-06-20
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. (GA)

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Consumer complaint received 2018-07-20
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. (IL)

On XX/XX/2018 I filed a consumer dispute with Equifax regarding fraudulently opened accounts in my name, erroneous names, erroneous addresses and a bankruptcy that I never filed.They deleted some of the disputed accounts but the bankruptcy still remains and numerous collection accounts that do not belong to me. I provided them with a police report and other supporting documentation but they have not cleared up my file. Additionally, my information was compromised in security breach with Equifax, but they have not done anything to protect me.
Consumer complaint received 2021-10-15
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: SYNCHRONY FINANCIAL (MN)

I have a banana republic credit card where I incurred a late fee for the balance on the bill of {$5.00} back in XX/XX/2020. The company reversed this late fee for me ; however, it is showing on my credit as a late payment which is hurting my credit I spoke with the company and they have not yet helped to resolve this for me. 

As someone who is in their 20s and previously uneducated on credit, I now understand how important prompt payment is in this matter and this will not let this happen again.I have been extremely diligent since then to ensure all bills are paid on time. 

I completely take responsibility for my naivety and promise in my maturity to move forward with financial competence.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This is the third time I have sent a complaint about a Fraudulent accounts. This time I received added a copy of my police report and FTC as well. Please see attached documents.I am the victim I have stated that I have been working to clear up fraud on my credit with an attorney. I have stated that when I pulled my credit report I found more activity that was not mine. I found that accounts I never opened are in collections and a have various judgments on fraudulent accounts.
Consumer complaint received 2020-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Capital Alliance Financial, LLC (IL)

I was sued  and they won by default, was Never properly informed of the Default until I received a COURT ORDERED LETTER, I then wrote the Judge at the XXXX Court house, letting the Judge know I wasn't issued a 2nd nor 3rd notice to work out a suitable chance, because I'm going through a Hardship at this time in my LIFE, I have a ILL spouse I'm the SOLE PROVIDER IT'S IMPOSSIBLE too cut 1 pie in 12 slices, I'm being sued & Harassed by some many Debt collection agencies, I have already be Unlawfully defaulted suized Bank account once by XXXX XXXX so I guess the others learned that and trying to to the same thing to me and I have stated that my Wife has been Sick and unable to work for past 5 yrs. I've Not been treated WELL by most of these overbearing Companies, when we were able and more financially stable WE paid every card we both had among us BOTH, now we just don't have anything left after paying our main bills like Mortgage, Car note, water, light, gas, Grocery, medical, car insurance, that XXXX  Garnishment, and Lunch and Gas to BARELY make to to work til bi-weekly wages. I'm 1 more check away from becoming Homeless. Please help me Stop them from XXXX me and causing a XXXX XXXX. My poor Sick wife really suffering from so many issues, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, you name it she's taking medication for it. and this is Stressing her out more and making her WORST. also I noticed a collection agency is unlawfully making a CLAIM for a debt that has been Discharged by origenal Creditors.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (WA)

During the closing process on our mortgage today (  XXXX / XXXX /   2017 ) with First American Title Company I requested to see and read all documents that my wife and I would be signing. I was informed by the title representative that she w ould not be able to provide all of the documents to me to peruse as 'we do not have enough time today '. She told me all of the documents would be copied and provided to me post signing to read, but I believe that would be somewhat misleading as if I have a complaint about the documents I have already signed them.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Wise Recovery Solution LLC (NY)

I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted XXXX, XXXX and XXXX XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you
Consumer complaint received 2021-10-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (NC)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX RE : CBE Group Churning Consumers Credit Reports This is regarding an issue with CBE Group and what appears to be a deceptive tactic of churning consumers credit reporting while ignoring requests to provide backup or even original invoices of their claim. 

It appears that there is a systemic tactic CBE Group engages in through the following experience : 1. The noted collection company issues a claim that shows on my credit report in XXXX. 
2. I believe most consumers pay the trivial amount chalking it up to an oversight, however, in my case the claim was over {$1700.00} so I disputed the claim, requested backup details from the collection company, requested backup details from the creditor. 
4. I receive no response as expected since there were no dealings with the creditor for literally years further believing the claim is suspect. 
5. However, I am somewhat satisfied when the claim subsequently dropped from the my credit report in XXXX. 
6. Approximately 90 days later, in the spring of XXXX a new claim appears with the suspect date of the previous month. It is with the same creditor as in XXXX and is presented by CBE Group with an original date less than 30 days prior to their posting on my credit report. The amount appears to be slightly different than the one addressed 90 days prior. 
7. I disputed this claim as I did the first one, requested backup details from the collection company, and requested backup details from the creditor. 
8. Again, I receive no response as expected since there were no dealings with the creditor within the previous year. 
9. Again, I am somewhat satisfied when the claim subsequently dropped from my credit report in spring XXXX. 
10. CBE Group has deployed this process on me personally now for the third time this year as recently as XXXX, XXXX showing a new claim on my credit report while Ive disputed this since the fall of XXXX. 
11. The tactic shortcuts their having to provide any details or backup information on the debt and by refreshing the claim dates they are churning my credit report which likely takes much less effort. 

This process for me is approaching 2 years while they are presenting it as a last month occurrence. 

This could be explained away as an oversight or clerical error. However, the fact that theyve deployed this process three times this year shows its more than a one off occurrence and more of a systemic tactic deployed to deceive the credit reporting agencies at the expense of the consumer.
Consumer complaint received 2021-06-11
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. (NY)

I have tried several times to settle this matter with this organization. I have received numerous threats by this organization. On XX/XX/2021 I sent an affidavit of truth addressed to the CEO of the company. My affidavit went unanswered to 14 days until i received a letter still threatening repossession action. I have made this organization aware that they do not have my permission to share any of my information with any third parties.No third parties have security interest in the vehicle pursuant 49 USC 14301. The two attaches files will show how this company has ignored my request to settle this matter. They have also threatened me to change the lien holder as well without proving any claims. I requested the company proof of claim. On XX/XX/2021 I received an email which was not mailed to me and in addition addressed to the wrong person. Furthermore I have informed the company pursuant 18 USC 8 that these alleged accounts/ promissory notes are in fact obligations fo the United States XXXX I am now demanding the company to provide to me a more definitive definition of payment along with other questions that were not answered in my affidavit sent XXXX XXXX. Pursuant article 1 section 10 of the constitution debts can only be Paid in silver and gold. I refuse to violate any constitutional laws pertaining to this alleged debt. I also notified Transunion several times by phone whom stated they investigated. Pursuant 1681a ( e ) this investigation was not obtained through personal interviews with any neighbors, friends, or associates. NO such Investigation was done if so please produce to me result of investigations and interviews conducted to verify this alleged debt.