davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2020-01-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2018-02-19
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. (NY)

I just viewed an updated score for my equifax credit report. Equifax removed 3 accounts that are in good standing which in turn caused my credit score to drop again. I dont no why equifax is removing positive accounts off my report. The accounts are XXXX XXXX XXXX   and my 2 XXXX  XXXX credit card accounts.
Consumer complaint received 2024-03-28
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I disputed charges occurring from the unauthorized use of my Bank of America account. Bank of America denied my dispute and I requested a reconsideration twice and then requested documentation they used to make their decision. I have not received any documentation explaining their decision. I still am appealing their decision.
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX U.S.C XXXX ( a ) ( XXXX ) - nothing can be furnished on my consumer report without my written consent XXXX XXXX Code XXXX - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (PA)

On XX/XX/2021 I sent Receivables Performance Management LLC in regards that, I am invoking my specialized remedies as a consumer under federal law 15 USC 1692 of the Fair Debt Collections Practice Act. As a federally protected consumer My privacy has been willfully violated ( 15 USC 1692 ( a ). Receivables Performance Management LLC is attempting to collect a debt that has not been verified or authenticated by me. Further i have not given Receivables Performance Management LLC the access to have my personal information, nor contact me, 15 USC 1692c ( a ) Below are the violations i've due to the injuries they've caused me. 
Fact, Affiant  is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 5 ) Fact, Affiant  is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 2 ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 2 ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692c ( A ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692d ( 2 )
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Credit failed to send me several statements. 

I contacted their customer service several times beginning in XXXX of 2019 to attempt to update my address and request paper statements. 

They repeatedly refused, saying their system was down, or they were unable to assist me at this time. 

After several months, they did not even say this, and instead say they were blocking my account unless I get a driver 's license. 

I asked if regular government issued ID would work, but they said no, it has to be a driver 's license. I asked " Why, I'm not trying to rent a car? '' I was told they have some new policy where you have to have a driver 's license to validate credit. 

I asked if I could get a letter about the policy, but was refused, and was told that's not something they do to provide information for cardholders. 
I asked who they would provide information to regarding the new policy, do I ask a government regulator or a journalist or someone? 
I was informed by the customer service manager, that they don't know who they would share ( the? ) information with, only that it's not to be shared with cardholders. 

My cardholder agreement, does not say anything about needing a license to drive in order to qualify for credit. 

It is unclear if this is some new form of economic discrimination for all account holders, or if it is a specific additional burden being placed on my account. Customer service has been less than forthcoming with any details for me these last 7 months. 

I have been waiting for the result of a disputed transaction from XX/XX/2019. As it has been nearly a full 30 days since the dispute was made using the Capital One dot com website, I should have access to the resolution of the dispute. However I have been unable to obtain this information. 

I have tried 6 of the contact phone numbers for Capital One, their email customer service, their social media team, their website 's live chat, and their third party operator 's service for their corporate switchboard. 

After nearly 7 months of effort, I am still no closer to resolving my concerns. 
I was told today by one of their customer service center managers, that there is no higher level of escalation that talks to customers, and that there is no longer any executive customer service team to speak to.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting a remark on my XXXX, XXXX, and Experian reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX Thank you
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

I believe the account with LVNV FUNDING LLC might be questionable. LVNV FUNDING LLC must verify through a legally binding statement that the claim is valid and devoid of any breaches of agreement, lack of consideration, or significant alterations, ensuring that the original lender received fair value. Additionally, they must confirm that the transfer of the alleged account was conducted in good faith with the consent of all parties involved. If LVNV FUNDING LLC can not furnish this sworn statement, I insist on the removal of the account from both my credit record and their records. LVNV FUNDING LLC XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DIRECMANAGEMENT, INC. (FL)

I have gotten an alert on my credit report that a collection was added. I looked at this collection and they say I owe XXXX. I do not owe any agency nor bank {$19000.00}. I did not receive any notice showing that I owe this debt. If this debt was purchased then I would like to see the full contract of this debt showing the amount that was purchased and what they paid for it. I would also like to see what fees are being attached to this. I never signed any contracts for this amount and If there were any contracts that was signed for this amount then I am considering this to be fraudulent.
Consumer complaint received 2019-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in XX/XX/XXXX due to my retirement i moved from XXXX, texas to XXXX, tx. in XXXX i had XXXX XXXX.upon moving to my present address XXXX XXXX XXXX XXXX XXXX, tx., my land lord would NOT allow me to place an antenna on rooftop.I returned ALL equipment and cable boxes and now i am in collections with XXXX for {$320.00} for monies due???!!! i have been trying to get trans union to investigate since XX/XX/XXXX and still nothing!!!
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

I believe MoneyGram is starting to profile my transactions or profile me personally. 

I have been sending money to the country of XXXX to my sister. I have been sending money for years using their service. I send her money last week, but suddenly they cancel the order. I resend it the same way I have been sending it for years, and they cancel it again. I called in to see what is the problem and they refused to tell me what she has done wrong completely. They kept reading the same script : the transaction is deemed unusual. I called MoneyGram again and request an assistance from a manager. He said your sister was banned permanently. I asked why? and he keep reading the same script. I asked how can fix the issue she is my sister and I have been sending money for years using your service. He said your sister is banned permanently. you may send to another person. I got her son info and added him as a receiver. I sent him money through MoneyGram and they take the money and cancel the order again with the same lame script. unusual transaction. I honestly believe this is a discrimination case or fraud financial transaction. MoneyGram is holding consumers money in every canceled transaction and they are profiting from it. 

Another explanation would be fraudulent business practice. If XXXX customers canceled per day and each one of them money is held for 10 days with an average of {$500.00} per transaction, that is a total of {$2.00} XXXX dollars held and MoneyGram is profiting from the interest they are collecting by all of these canceled transactions with very lame excuses.There is no transparency here, and MoneyGram is refusing to fix the problem. The government needs to look into this fraudulent business practices.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for.

Explain and show me how you calculated what you say I owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgment if applicable.

Identify the original creditor.

Prove the Statute of Limitations has not expired on this account.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (GA)

I think the account might not be valid. Westlake Portfolio Management. must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records. WESTLAKE PM XXXX
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX XXXX : ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX )
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK (WA)

XXXX XXXX XXXX refuses to provide me with a sworn affidavit that I owe Discover Bank any money, they keep sending me statements of an alleged account. However Discover Bank owes me a substantial amount of money since they securitized an account in my name, along the application, account and receivables and they have committed securities fraud and are being reported to the SEC. 

I have sent XXXX and XXXX and Discover numerous notices and they will not comply with my CEASE and DESIST notices which is a violation of my consumer rights. 

Additionally, XXXX and XXXX and Discover Bank sued me in California when I did not live there and improperly served me and filed a frivolous lawsuit against me when Discover Bank doesn't have legal standing to sue since they sold the account opened in my name to a trust and they did not have my permission to securitize the application in my name, the account in my name and any receivables submitted to them under my name. They both are committing identity theft at the highest degrees and they never had my explicit consent to share, use, collect, sell, store, distribute my personal identifiable information to anyone. 

Pursuant to Washington Law RCW 63.14.125 taking security interest in lender credit cards agreements is illegal. 

XXXX and XXXX is working with Discover Bank to commit fraud.
Consumer complaint received 2023-07-02
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX $ {$1600.00} XXXXXXXX XXXX XXXXXXXX XXXX {$240.00} XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX {$3800.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX {$500.00} Account number XXXXXXXX XXXX {$460.00}. 
Account number XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX {$7700.00} Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX XXXX on behalf of XXXX XXXX - Faith properties obtained a judgment against me that is being reported to the credit bureaus and it should not be. 

As of XX/XX/08 civil judgments are no longer to be reported on credit bureaus. In addition their judgment doesnt identify me with a date of birth, social or address. 

Also, in Ohio per ORC 2329.07 judgments are only valid for 5 years unless revived, which this account was not- its reported as charged off. 

Also, the amount of the judgment is incorrect.