davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I XXXX XXXX CHECKED MY CREDIT REPORT WITH THE 3 MAJOR CREDIT BUREAUS AND NOTICED A COLLECTION FROM MIDLAND CREDIT MANAGEMENT. UNDER 15 U.S. 1692G ( A ) ( 3 ) A DEBT COLLECTOR MUST GIVE A CONSUMER A INITIAL COMMUNICATION TO VERIFY A DEBT. I WAS NEVER GIVEN THE OPPORTUNITY NOR DID I RECIEVE ANY COMMUNICATION FROM MIDLAND CREDIT MANAGEMENT IN REGARDS TO THIS DEBT. MIDLAND CREDIT INDEED ASSUMED THIS DEBT WAS MINE WITHOUT THE OPPORTUNITY FOR ME TO VALIDATE THIS DEBT. LASTLY I SENT MIDLAND CREDIT A LETTER OF VALIDATION ON XX/XX/XXXX. UNDER 15 U.S 1692G ( B ) A CONSUMER HAS THE RIGHT TO REQUEST THE NAME, ADDRESS, OF THE ORIGINAL CREDITOR ( WHICH I AM A ORIGINAL CREDITOR ) OR THIS DEBT COLLECTOR SHALL CEASE COLLECTION OF THE DEBT OR ANY DISPUTED PORTION. MIDLAND CREDIT IS IN VIOLATION OF 2 OF MY CONSUMER RIGHTS AND I INTENDED TO PURSURE LEGAL ACTION.
Consumer complaint received 2017-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (LA)

NOT MINE, NO CONTRACT, NOT LIABLE, UNVERIFIABLE This account is claiming I opened it 23 years ago.I 'M XXXX which mean I opened this account at XXXX XXXX XXXX. This is not my account please remove it. I sent several letters and received no return response.
Consumer complaint received 2020-06-23
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: Synovus Bank (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Crea Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

1XXXX XXXX  XXXX  XX/XX/2021 2- XXXX  XXXX  XX/XX/2021 3- XXXX XXXX XX/XX/2021 4-XXXX  XXXX  XXXX XX/XX/2021
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CO)

This is now my second complaint about this same matter, as complaint XXXX received a response from the debt collector and they admit to violating my rights under the FCRA and FDCPA. 

As I mentioned in my previous complaint, I was advised by my attorney to send a " Dispute/Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Even though the delivery confirmation clearly shows that they received my letter, the debt collector did not send me validation, and instead chose to violate my rights under the FDCPA by the following : This debt collector has broken laws under the Fair Credit Reporting Act and did not address it at all in their response. Not only did they NEVER attempt to send me validation until I finally had to complain to the CFPB, but under the FDCPA Section 807 ( 8 ) they are in violation ( {$1000.00} fine ) as they did NOT notify the credit bureaus that these accounts were disputed. I pulled a credit report on XX/XX/2019 ( over a month since they received my validation letter ) and there are absolutely no notes from the creditor showing that these accounts were under dispute. I've attached that report to this complaint showing the dates, and the notes on the collection account. 

In fact, the debt collector admitted in their response to the other complaint that they didn't even submit the accounts to the credit bureaus until 23 days AFTER they received my dispute/validation request, thus violating my rights under the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, This also carries a {$1000.00} fine. They did not validate the debt yet continued to pursue collection activity by reporting it to the bureaus, and continued to report to the credit bureaus. While I have the right to take them to court for violating these 2 laws, all I ask if for them to do what they should have done in the first place and cease all collection activity and remove these accounts from my credit reports, as demanded by law.
Consumer complaint received 2019-03-07
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

I went to the dealership and found a car agreed to finance it through XXXX. Instead of 1 hard inquiry they forwarded my information to two other places and now I have 3 hard inquiries. The inquiries were not agreed too neither did I have prior knowledge of this. The 2 inquiries that are fraud and need to be removed are for XX/XX/2019 Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX I spoke with the finance manager XXXX XXXX at XXXX XXXX and she confirms it was a mistake on their end and is trying to remove it. XXXX has been a nightmare to deal with the reps just hang up when you try to explain the issue never did I receive a call back.
Consumer complaint received 2022-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

This is XXXX XXXX & I am giving my consent to Caine & Weiner to communicate with me via email or phone on documents that were disclosed on the phone with Supervisor XXXX XXXX.
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

5/3 recently updated their site to a different format. They removed the section that shows the minimum payment due, most recent payment amount/date, and whether or not this amount has been satisfied with any recent payments. 

This is making it very difficult for me to determine whether or not my recent payment ( s ) have satisfied the minimum payment due and whether or not I might be late on a payment. This has led me to call 5/3 for the past 2 cycles ( once on XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX ) and voice this concern. Nothing has been done. 

On XX/XX/XXXX @ approx. XXXX XXXX EDT, 5/3 stated that they will not record my complaint, only forward an email to their Innovation Team. I requested that they escalate the matter, research and resolve it, then re-contact me. This request was denied. 

The agent on XX/XX/XXXX also told me to add my checking account information onto the 5/3 site in the " Make a Payment '' section, stating that this would let me see what I was requesting. In my opinion, it should not be this difficult or obscure to get payment information. Secondly, I prefer to pay this credit card the same way I pay my others : through my personal checking accounts ' online banking. I do n't want to input my account information onto another website. 5/3 telling me that they need non-5/3 payment information just to tell me if I have a payment due, seems ridiculous.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2021-09-10
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 AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS FRAUDULENT. 
XXXX XXXX AND EXPERIAN WILL NOT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XX/XX/2016 XXXX XXXX XXXX  XXXX {$300.00}
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (AR)

So they contacted me a few months back about settlement of the debt. I paid as agreed unelder the impression that would do their part and remove this from my credit. They did say paid as settled on my report but it still shows as negative. This really needs to be removed due to the inaccuracies of reporting. This has impacted my credit tremendously and needs to be removed asap!
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Dear Representative, I just cancelled my XXXX XXXX that was issued by Synchrony Bank. The reason is they blocked my access to their web site so I could not make online payments. They said they did this because I had a {$25.00} outstanding balance. It is my belief that a credit card company who blocks their customers ' access to the website where they can make their payments is sleazy and has no integrity. Since XXXX made this card available to me and because the XXXX logo is on the card, I am changing my shopping habits. Until now, my first option for online shopping is to go to XXXX and pay with XXXX. From now on, all of my online shopping will start with XXXX and continue with other online businesses. XXXX and XXXX are now my last resort. I will only look for items to purchase on XXXX if I can not find them somewhere else. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XXXX XXXX I was on XXXX shopping for a puppy and I saw a merchant was selling her XXXX XXXX for {$250.00} and I have reach out to her via text message and she applied back that if I wanted the pup I needed to send {$50.00} deposit and I sent the {$50.00} plus {$110.00} and {$140.00} She supposed meet that day never show up with the dog. And gave me a fake address.
Consumer complaint received 2018-02-07
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. (MI)

Credit Inquiry from XXXX made with no consent or authorization by me in and around the dates of XX/XX/XXXX or XX/XX/XXXX. 

I contacted TransUnion who provide a credit alert service through XXXX who advised me that I would need to provide written letter to dispute the inquiry and this information would not be shared with XXXX  and XXXX. In addition, a letter would need to come from XXXX as well, but XXXX advised me that they do not perform this service and I would need to file a complaint through this agency.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Hello this is XXXX XXXX with current address at XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX My account number is XXXX I'm your customer for over 2 years now. 
So far everything goes well with my XXXX project account.

Im writing because I noticed that my most recent credit report contains a late payment reported that is really hurting my credit now.

I want you to know that I understand my financial obligations. Id have an excellent repayment records. 
I made a mistake in falling behind, because I was out of country for 2 months and due to Covid-19 Travel restrictions I was not able to come back on time and do my payment in timely manner.

My payment history for the last 9 years was 100 % up until this belated accident.

We all know how difficult was in the last two years with COVID-19 and I still tried to do my best.

Thank you for your consideration, and I hope you'll will help me to resolve this issue.

Best regards.
Consumer complaint received 2021-07-10
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: WELLS FARGO & COMPANY (GA)

On XX/XX/2021, I submitted a deposit of {$30.00} ( using my Wells Fargo credit card ) to a stylist for a hair appointment for a specific hairstyle. The day before my appointment ( XX/XX/2021 ), the stylist informed me the she would not be able to provide the services for the specific hairstyle that I initially paid the deposit for. On XX/XX/2021, I responded and requested that she refund my {$30.00} deposit since I would not be able to receive the services that I paid the deposit for. I did not receive a response so on XX/XX/2021, I requested a refund of my {$30.00} deposit again and the stylist advised that she would submit the refund request through XXXX XXXX XXXX and it would take 1-3 days to send the funds back to my Wells Fargo credit card. I submitted a dispute to Wells Fargo on XX/XX/2021( Dispute Number : XXXX ), so that they could request the funds back from the company because I haven't received them. It is now XX/XX/2021 and I still haven't received the funds or a resolution from Wells Fargo.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I can never log into my account first off second thing is the credit limit was lowered by {$150.00} from {$1000.00} to {$850.00} therefore my payment was and is only paying interest and making my credit look bad as if I over charged my card. I was never notified of said credit decrease. This should be absolutely illegal as it hurt my credit by 10 points and up. My credit reports are showing late payments the late payments are due to XXXX site not letting me log in and from experience I do not pay by phone as I am always charged a fee. What kind of banking institution decreases a credit limit to make the person with credit look like they are a HIGH risk person to give credit to? I'm looking into my legal options with my local court next.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I sent a payoff check to Nissan they received it on XX/XX/XXXX then sometime after lost the check so I had to end up re-issuing them another check which was then cashed and the loan was paid off. I followed everything in the letter that Nissan responded to you guys from an earlier complaint. And then that letter they said to stop payment on the first check and have another check re-issued which I did and they said once that was received and processed that they would fix any mess ups on my credit report which hasnt happened yet because it saying I was 30 days late on XX/XX/22 and 60 days late on XX/XX/22. I have attached the previous response from Nissan to you guys from my earlier complaint, which outlines they would fix my credit report and reimburse me any fees and stuff I encountered from having to re-issue the check. Which they have done none of that.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Hello I have a major complaint. I pulled my credit report. And noticed that Experian and XXXX have two different account numbers, no address reporting for the bankruptcy reporting on each bureau. Thats fraudulent and misconduct to my future of purchasing a house. I yu have tried communicating with the creditor about this and they have no response. Also there is correct court name reporting on each bureau where the information came from so I have no clue. This is fraudulent! I need this remove ASAP! I know my rights! I have proof of miss information not use correctly on both bureaus.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Dear sir i have my account on XXXX XXXX XXXX I try to access one free cibil report. But when i try to login then it gives an error that my password has been wrong. 

When i try to forget it using password forget link. Then it show that password reset link has been successfully sent on my registered email id. 

But there is no email still received in my email account yet. 

I try to forget it many times using web portel and also XXXX  app but still no email received. 

I also complain in customer helpline email. But still no response. 

Please solve my problem as soon as possible. 

Thankyou Registered email id XXXX XXXX
Consumer complaint received 2022-09-09
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: GOLDMAN SACHS BANK USA (AZ)

I received a bill for an Apple card via email. I called apple and reported that I did not open an account. They told me the could start a fraud case but it would not be settled until I filed a claim with you and the police and reported it to 3 credit agencies. This all happened over the last week. XXXX XXXX XXXX