davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rossman & Co & PCB (OH)

COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Rossman & Co, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Rossman & Co tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Rossman & Co was update to XXXX and XXXX credit bureaus as a verified account ; Rossman & Co placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Rossman & Co and XXXX XXXX ; I have never received any validation letter from Rossman & Co prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Rossman & Co actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allegiance Accounting Services, LLC (NJ)

I contacted this company on XX/XX/XXXX at ( XXXX ) and i specifically stated to the person i talked to that i did not wish for them to call me again. She stated that " she didn't understand my request '' and that i will have to deal with this in court. On XX/XX/XXXX, they attempted to contact me again using the same tactics using a different phone number ( XXXX ). I believe this alone is a violation of federal laws and i ask that this matter be brought to your attention to bring these thugs in line.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (PA)

I have sent a written dispute to Experian and to XXXX on XX/XX/2017. 
XXXX. inserted false information to my Experian Credit Report on XX/XX/2017 which was previously deleted by Experian as false. XXXX has wrongly re-inserted previously deleted false information and has re-aged false information. 
Experian has failed to send written notification for reentry of previously deleted item and illegally re-aged false information and failed to notify in writing.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (TX)

Applied for ( XXXX XXXXXXXX XXXX XXXX ) with CreditKarma which I received XX/XX/22 by mail. As of today XX/XX/22 I called to setup the credit card as well as make an auto payment for the " {$95.00} program fee '', they finished the setup but then informed me I was not eligible for the credit card and would be sent a letter in the mail. I have already filled a complaint with " FTC '' & received a Ref- # of ( XXXX )
Consumer complaint received 2022-07-25
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. (PA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602A 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 consent.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason And my personal information is outdated, and I've asked the credit agencies to removed old information and updated new information which they've failed to correct.
Consumer complaint received 2022-07-25
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: Johnson Mark LLC (OR)

XX/XX/2020 had a credit card through XXXX XXXX XXXX. It was sent to collections within a short time. I didn't receive invoices or anything stating I was behind. It was sent to a debt buyer XXXX XXXX in which was end of 2020 year. I called this office that was in XXXX and the man was very rude would negotiate or give much detail. I received a legal letter from a XXXX XXXX XXXX from Utah same person and couldn't get ahold of anyone. No calls back, on hold. Emailed very lengthy email last Friday XX/XX/XXXX saying I received a XXXX page only of a court docket that I'm being sued or garnished and/or lien on my property. I never even got a notice or served! I found this out by another bankruptcy lawyer sending me a pamphlet trying to get business to rep me for this! I would of had NO clue. I keep calling the office and no one answers. There are a few numbers and no calls returned. I looked him up and it looks like this is something he does! I have to money to pay and pay my bills so this is disturbing.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX there were pending international charges on my account. The next day I opened a claim with my bank regarding around XXXX charges totaling over {$20000.00}. This fraudulent activity started with someone transferring a high amount of money from my savings account into my checking. They also linked an XXXX to XXXX XXXX on the account, while I do not have an XXXX. I also do not even have a passport to travel internationally. They also increased the daily debit amount to {$20000.00}. There were several charges for the same amount and varying other charges ; all international. My bank denied the claim made saying there was nothing fraudulent despite these charges being out of the ordinary, in another country, connected an XXXX with a different name, and pending while I made a claim. I am currently in the process of helping my daughter and son in law purchase a house so we made another escalated claim with the bank hoping they can help get this money back and do a more thorough investigation. I never authorized these charges over the phone, in person, or through texts. I only gave codes to the bank sent to my phone to deny these charges as I did not make them. They have not sent a letter with any reasons to why this claim has been denied yet; hoping to receive something soon. The bank also reversed 2 of the smaller charges on the account, so I don't understand how these charges ( with the same description as the others ) were sent back but none of the others were considered fraud.
Consumer complaint received 2022-07-25
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 XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-07-25
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. (PA)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have disputed and contacted XXXX, XXXX and Equifax. It is their job to do a thorough investigation. They are also obligated by law to report correct information. I am concerned about the validity and accuracy of each Credit Company 's investigation of these accounts that are reporting on my credit report. I have asked them to provide an original contract regarding XXXX XXXX, XXXX XXXX, and XXXX. They did not provide which I am entitled to by law, proof of the original contract bearing my signature and a copy. Incorrect information is being reported when I reviews my 3 credit reports. They did not do a thorough investigation and did not provide a statement which I requested. XXXX is reporting a {$0.00} balance ( charge off XX/XX/2022 ), Equifax is reporting a {$700.00} balance ( charge off XX/XX/2022 ) and XXXX is reporting a {$700.00} balance ( charge off XX/XX/2022. This shows that their investigation was not conducted correctly and thoroughly. In accordance with the Fair Credit Reporting Act, XXXX, Equifax and XXXX has violated my rights. 15 U.S.C 1681 Section 602A. I have a right to my privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, according to 15 U.S.C. Section 1681i ( a ) if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They had 30 days to investigate. Wrong information is being reported and I want these accounts deleted off of my credit report immediately.
Consumer complaint received 2022-07-25
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. (IL)

Department of EDXXXX violated the United States Code Law. As detailed in 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In XX/XX/XXXX, I received notification that my credit report had XXXX late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all XXXX student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the XXXX late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc. (AZ)

I received a billing statement from PayPal Credit claiming that I owed them money for a recent transaction. I checked my credit report and PayPal did a hard pull on my credit information. I have no knowledge of ever signing up or opening a credit account with them.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank in their overzealous security has restricted me from accessing my Chase XXXX Card ( Acct. # ending in XXXX ). I was attempting to verify a XXXX Chase credit card that I recently applied for ( i.e. the Chase Freedom XXXX XXXX with Acct. # sending in XXXX ), and Chase XXXX would NOT allow me to verify this credit card. Furthermore, Chase Security then lock me out of their online access to my Chase XXXX Card which I have had for more than ten ( 10 ) years. Several phone calls to Chase Security has resulted nowhere and promised phone calls back has NOT been kept. Please help me resolve these XXXX XXXX XXXX XXXX matters by Chase Security.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MS)

The SYNCB/ Care Credit account was closed on XX/XX/XXXX but is currently furnishing delinquencies to each CRA XXXX SYNCB/ Care Credit isnt the proprietor of this account anymore and hasnt been since XX/XX/XXXX but is still furnishing inaccurate and erroneous information on my consumer report as if they are. See attachments for more details.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MS)

Equifax is continually violating my rights under the Fair Credit Reporting Act. They are not taking complaints filed against them with the Consumer Financial Protection Bureau seriously. I am now asking that the Consumer Financial Protection Bureau gets involved in this situation. I have filed this dispute on several occasions and Equifax just keeps updating my credit report with the same information. They did this again on XX/XX/XXXX. These items were no longer showing that a re-investigation was in progress when I went to their website this morning. They also added back a collection that was recently deleted. I just went to the website and re-disputed the following items : XXXX ( Balance {$150.00} ) XXXX ( Balance {$160.00} ) XXXX ( Balance {$160.00} ) They recently added the following collection back to my credit report after deletion : XXXX ( Balance {$24.00} ) I ask that the Consumer Financial Protection Bureau gets involved in this immediately, as I have been dealing with this issue with Equifax since XX/XX/XXXX. I have provided information by certified mail ( return receipt ) and online that shows that I have been in Chapter XXXX bankruptcy since XX/XX/XXXX and all accounts that I had were included in that bankruptcy. This is preventing me from getting a XXXX formed that is needed immediately.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Good Morning - I called Kohl 's ( XXXX ) XX/XX/2019 at XXXX XXXX. I was on the phone for 32 minutes and 19 seconds about my credit interest. I spoke to one man who couldn't explain to me why I was being charge interest twice. He said if you pay your balance off each month you won't be charged interest. I told him I was VERY aware of this, however, when I carry a balance why was I being charged twice. He couldn't answer so I spoke to a manager. He couldn't answer the question either. This is VERY bothersome because I work for XXXX XXXX as a XXXX XXXX. My statement shows I'm being charged " Interest on Protected Balance '' and " Interest Charge on Purchases ''. My questions is what is the difference and neither of them could tell me. There is not explanation of the difference on my statement or on their website.
Consumer complaint received 2022-07-25
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. (NV)

In accordance with the Fair Credit Reporting act Account # 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. 

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number : XXXX Payment amount : {$590.00}
Consumer complaint received 2020-11-11
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. (CO)

I HAVE BEEN A MEMBER OF XXXX XXXX XXXX FOR SEVERAL YEARS NOW AND I CANT QUALIFY FOR NONE OF THEIR PRODUCTS. NO CREDIT CARDS OR LOANS OF ANY SORT. I EXPLANINED SEVERAL TIMES THAT SOMETHING IS WRONG WITH THE APPLICATION PROCESS WHEN I FILL OUT FOR A CREDIT CARD. FOR EXAMPLE IT WAS STATED THAT I HAD NEGATIVE ACCOUNTS ON MY CREDIT REPORT AND ALSO COLLECTIONS. BUT WHEN I LOOK AT MY CREDIT REPORT ON EQUIFAX.COM THERE ARE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. PLEASE SEE ATTACHMENT. THE DAY I WAS DENIED ON XXXX THE XXXX MY CREDIT SCORE WAS XXXX. SOMETHING IS TERRIBLE WRONG HERE. I'VE BEEN MENTIONING THIS FOR YEARS TO THEM AND TO EQUIFAX. ON XXXX  FICO PAGE IT STATES MY FICO 9 SCORE IS XXXX WHICH I CANT SEE HOW POSSIBLE WHENS THERES NO NEGATIVE ITEMS IN MY EQUIFAX CREDIT REPORT. PLEASE EXPLAIN THIS TO ME.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

I have been trying to use my VA home loan since XX/XX/XXXX and Experian has been holding me back for months now by not reporting any credit information. The other XXXX credit bureaus are reporting everything I have done for years now. My first call with Experian I get told that my residence which is a XXXX bedroom rental house is labeled as a Stone fabrication ware house and that is most likely why nothing has been reporting. They also have all of my other addresses I have lived at on file so that does n't make sense why nothing has been reported for the past years? They tell me there is a form we can fill out that will " fix '' this problem. Two months have passed since we supposedly filed this form and I still have nothing reporting for Experian and this residence as a ware house label is still on my credit report. I call again and they tell me that it is not their problem and there must be something wrong with all of my credit cards not reporting and to call them. Well, they are reporting to the other XXXX bureaus so what is the problem? XXXX of the XXXX credit cards I have tell me they have been reporting to Experian for years and it is on Experian why nothing has been reported. My other credit card tells me they have an old address on file and that we can update the address which will hopefully start reporting to Experian, and still nothing is reporting. ( the old address is XXXX of my old addresses on file for Experian as well. So I am not sure why it was not reported even if it was my address before? ) Even my credit consultant does not know how to help me and has not seen anything like this before. So I have been waiting for months now for them to report or actually help and it seems like they never will. Its is always someone else 's problem and someone else needs to fix it, but why ca n't they? What can I do to fix this or maybe bypass this to continue my loan?
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MO)

I have sent several certified letters to XXXX, experian and XXXX multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!