davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-03-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BB&T CORPORATION (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.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 What do I need you to provide as the debt validation. 

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 Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (HI)

On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), Ally Financial ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX  look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
Consumer complaint received 2019-09-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (VA)

Debt of a repossession from ford motor credit was paid and the attorney that handled the case promised the debt would be deleted from my credit report once paid in full. I would like it deleted from XXXX, XXXX, and XXXXXXXX
Consumer complaint received 2022-11-18
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. (NV)

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 Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX 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 2021-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

In XXXX of XXXX, I paid off my entire account balance of my XXXX XXXX Comenity Bank account. There was a residual interest charge added after that unknown to me. I have never been late on this account and again thought it was paid off. I was in the middle of a move and never received any notification of this very small charge. The first I heard of it was from XXXX when I received notification that my account had fallen 60 days behind and was reported negatively. After all the late fees and interest, the " late '' balance that knocked my very high credit score down XXXX points was only {$48.00}. I disputed it with XXXX, but it was immediately denied by Comenity Bank for removal. There is no phone number available for Comenity Bank to dispute or explain what happened. When I called the card company, they were no help at all and offered me an address to possibly address by snail mail. Again - this account was paid off and in years of having this account has never been late. I don't feel like they are giving me a chance to even make a case or consider these extenuating circumstances. Thank you so much. 

XXXX XXXX
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STERLING JEWELERS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.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 What do I need you to provide as the debt validation.

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 Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law.

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TCF NATIONAL BANK (HI)

On XX/XX/XXXX I contacted XXXX  to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I have tried repeatedly to dispute a bankruptcy listed on my account that is not accurate. I was involved in the Equifax breach yet they insist on maintaining inaccurate information on my consumer report regarding addresses, inquiries and public records. When I inquired regarding where they are getting this inaccurate information from, they REFUSE to provide the information so that I can go to the mysterious company reporting on me according to Equifax. This company has been the source of detrimental breaches, inaccurate information and ineffective credit monitoring. I have contacted the court listed for assistance and they continue to explain to me that the information is NOT coming from them. Equifax has also been involved in litigation regarding this very issue and yet the unlawful practices continue.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America offered me a XXXX reward points for spending {$3000.00} within first 90 days from opening date. While I was applying for the card on the web, small chat window popped up and insisted help. service representative through the chat window suggested me to go over the phone to finish the paper work, and i did it. 
Today, Bank of America have refused to pay me XXXX reward points ( {$500.00} worth ) because that deal was online exclusive and I finished applying process through phone call. I started process with online form. It was the Bank of America that leaded me from online form to chat window and then eventually a phone call. There was no information given to me saying I will lose my benefit for moving over to a phone. They also refuses to refund {$95.00} dollars annual fee because a card has been active for more than a month.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: E. A. Uffman & Associates, Inc (LA)

An account with XXXX XXXX XXXX ( XXXX ) was transferred to me in XX/XX/XXXX from XXXX XXXX, landlord. When the account was placed in my name, there was no balance on the account. During the billing cycle of XX/XX/XXXX to XX/XX/XXXX, the air conditioning was broken. This was reported to the landlord prior to the first bill being issued, and she stated that the a/c was checked prior to being rented and transferred. It was explained to the landlord that the a/c was broken prior to the XXXX and XXXX billing cycle. I paid a third party to inspect the a/c unit, and it was confirmed that the a/c unit was indeed broken due to faulty duct work. When this was explained to the landlord, she informed me that all that could be done is installation of a window unit. After the landlord arrived at the house to install the window unit, she confirmed that there was an issue with the a/c unit. The landlord and I made an agreement/arrangement in regards to covering the costs of the expensive bills accumulated during the time that the a/c unit was broken. The agreement was that I was to pay {$200.00} of the first and {$200.00} of the second billing cycle, and that she would cover the cost of the remaining balance which was {$730.00}. I paid my portion of {$200.00} for the first bill and {$230.00} for the second bill ( total : {$440.00} ), and she paid {$230.00} towards the first bill only. There is now a remaining balance of {$500.00} ; which was showing past due and is now being reported on my credit reports by a collection agency ( XXXX XXXX ). I have multiple text messages where the landlord confirmed this agreement/arrangement. When I spoke with XXXX, they were informed of the agreement and stated that an extension was not needed if the balance was to be paid. I also have copies of receipts of all transactions. A final/disconnect bill was received and paid by me minus the {$500.00} that the landlord is responsible for. This dept belongs to my previous landlord, XXXX XXXX.
Consumer complaint received 2023-04-07
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: EQUIFAX, 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. 

XXXX : # XXXX, has violated my rights. 

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 2020-07-15
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. (TX)

Ive disputed items on my report which do not belong to me over 30 days ago and the items are still reporting on my credit report. Ive attached the copy of the mail I sent out to this complaint.
Consumer complaint received 2018-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

Send money through Western Union on theXX/XX/XXXX to pay a bill but the company sent it back through Western Union and there were supposed to give me my money back that I paid the company in the amount of XXXX. It was settled on the XX/XX/XXXX and I was supposed to receive my money on the XX/XX/XXXXXXXX. Company refuses to give me my money back
Consumer complaint received 2022-01-15
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)

I am the consumer, original creditor and natural person. Discover Bank violated my rights by closing my credit card account -ending in XXXX without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Discover Bank closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Discover Bank discriminated against me by closing my account. Pursuant to 18 USC 8, all bills are the responsibility of the United States. 

Discover requested my account number in my last complaint however, I no longer have the credit card so I do not know the credit card number or account number. I have attached the notice that my account was closed and an old statements. I also attached the Discover portion of one of my consumer reports. Whether or not I have account number is irrelevant.
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MA)

The Macy 's credit card charges a minimum {$2.00} fee that I was n't aware of. 

Between XXXX XXXX and XXXX XXXX, I had a balance on the Macy 's store card of {$120.00}. I paid that balance off on XXXX XXXX. Because I had a balance between XXXX XXXX and XXXX XXXX, I was charged a " MINIMUM INTEREST CHARGE '' of {$2.00}. 

I called Macy 's to inquire about this {$2.00} charge since I have never seen it before and certainly not what I signed up for. To my surprise, their automated phone system gave me the option of removing that {$2.00} interest charge as a " courtesy ''. 

I believe this this practice to be illegal since the interest on a {$120.00} for 4 days that the balance carried over with my current APR of 24.75 % is no where close to {$2.00}. 

I would like Macy 's to be investigated for this practice.
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc (FL)

Paypal allowed someone to order a debit card and it was sent to my home. The people who ordered it stole my mail and took the card. 

They activated the card and I IMMEDIATELY called when I got the notice of the activation. Within minutes they used the card at a grocery store ATM and purchased a money order at the same store. Total approximately {$1500.00}. They then used the card for an ACH withdrawl at the bank account associated with PayPal {$500.00}. The also hacked into 3 other bank account. 

They thieves went into my paypal account and change the phone numbers. 

I have a police report. We have the person who did it on video from the store. The person who sold the Money Order ID 'd the person from a mugshot I found because Paypal gave me the name of the person who did the ACH. 

Paypal refuses to refund my money. They are essentially accusing me of committing this crime because I logged into my Paypal account 35 seconds before the first ATM withdrawl. 

Seriously? You sent me a mail telling me to call if I did not activate the card. I called and also immediately logged into my account. Within minutes I saw the transaction and was in my car to the store when this happened and the police were called. 

PayPal is acting very irresponsibly in this case accusing me of committing this crime when they allowed someone to hack into my account. They would not even speak with me. They asked for no evidence, no police report. Their Trust and Security team simply made a decision based on my log in. 

PayPal need to be stopped from this kind of activity where they allow breached security and then accuse their own clients. I want my money back and I want paypal to be held accountable.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IA)

I sent my deposit slip and money into the building through the drive through. The teller then said Are you paying your rent? I have never been asked this private question before and felt very violated as our conversation was being broadcasted through the loud and echoing drive through. Minutes later the teller come back stating my deposit was short {$10.00} even after I had just counted it. I sent in another {$10.00} and her response was, You dont have to be so rude! I explained that she had made this conversation hostile from the beginning by asking inappropriate questions and that my deposit was all there when I originally sent it in and asked to speak to the manager. She brought XXXX up and he asked if I was accusing his teller of stealing, refused to Cooperate in a civil manner to rectify the situation and gave me the XXXX hour banking XXXX number to file a complaint. He refused to give me the tellers name and acted as if I was bothering him for bringing these issues to his attention.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a dispute in XX/XX/XXXX requesting that these account be validated because they are reporting inaccurately. The FCRA reports that all information must timely, verifiable and 100 % accurate! 

These accounts are not reporting accurate : *XXXX XXXX  does not show this account being ever late in XX/XX/XXXX ( XXXX  ) I was NOT notified of this account being added or resubmitted. 

XXXX XXXX does not show this account being ever late in XX/XX/XXXX XXXX XXXX XXXX ) I was NOT notified of this account being added or resubmitted. 

I Demand that these accounts be removed immediately or I will file litigation due to the stress you have caused me.