davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
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. (CA)

I XXXX XXXX XXXX been reaching out to the 3 major consumer to inform them of XXXX XXXX XXXX XXXX illegally is coming after me for some alleged debt. Which they did not write me 5 days in writting before furnishing my consumer report with this information, which is a violation of 15 usc 1692g. Secondly, they are furnishing information in relation to my medical transportation in the ambulance, on a public consumer report. This violates 15 usc 1681 permissable purpose, as they didn't get my written permission. They also didn't have a HIPAA when I asked and they stated so on a recorded line. 

Please look at the exhibits to see the violations I have received via mail.
Consumer complaint received 2024-02-26
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CL Holdings LLC (WI)

My rights were violated by both XXXX and Jefferson Capital Systems LLC. I have reached out via mail and email multiple times explaining the violations under The Privacy Act of 1974. I never gave any consent to share my information with a third party. This is also a violation under 15 usc 1681 ( b ). I have also received an email from Jefferson Capital Systems LLC which states that they will remove the false report and close the account, however they have not.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Ive contacted Lexus Nexus XXXX XXXX XXXX and they have all told me the same thing! That the courts of bankruptcy in middle of Florida still showing that Ive went through with bankruptcy, but Ive called the courts and spoke to someone and they even told me that my bankruptcy case was closed
Consumer complaint received 2021-11-02
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: V and H Portfolio (GA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureau is reporting inaccurate information on VANCEHUFFMAN Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-11-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

I purchased a prepaid Vanilla Visa gift card for the amount of {$120.00}, from XXXX on XX/XX/2023. I then came home to make sure that my card was active and realized that there was no CVV/security code on the card. It took several tries, but I was finally able to connect with a customer service representative. The representative told me that I should still be able to use it in stores. The following morning I went back to the XXXX that I purchased the card from and explained what happened. I then tried to purchase a small item in the store only to realize that the magnetic strip did not work either. I do not feel like Im going to get anywhere with this company. I know that {$120.00} may not seem like much to most, but for me that was going to be used towards XXXX.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (NY)

Credit Karma recommended I had outstanding odds of getting approved for a XXXX XXXX credit card that I applied for and was rejected. This negatively impacted my credit score. However Credit Karma had advertised that if I was not approved for the card, they would compensate me with {$50.00}, which they did not. I contacted them multiple times and each time Credit Karma acknowledged that would send me instructions on how to redeem the promotional offer but its been a month and I am still waiting. This is misleading advertising and has come at a personal cost to my credit score. I deserve to be compensated.
Consumer complaint received 2024-02-26
Product: Credit 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 (FL)

I used my GM ( Marcus-Goldman Sacs Card ) to purchase tickets to an event on XXXX XXXX XXXX XXXX I waited till the day before like the email said to, that came directly from the vendor XXXX, XXXX reached out to XXXX because it was getting close to the time of the event, it took 5 calls to reach a person who told me they had up to the time of the event to provide tickets for transfer so the next day we went to the event at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sun XXXX XX/XX/XXXXXXXX XXXX XXXX were still hadn't received the transfer and could not reach anyone at XXXX. I had to repurchase a second set of tickets to see the show and take worse seats than I originally purchased, I sent emails to XXXX and called there support line repeatedly for a month with no resolve, So I disputed the charge as the credit card company told me they would protect me and that as long as I had proof that I had been attempting to fix it with XXXX they would credit my account and investigate, then in XXXX the credit card company reversed the charges back to my card said I had inadequate proof that I hadn't received the tickets, so I called and sent them emails I sent to XXXX, sent them the tickets I purchased from XXXX and the copy of the tickets I had bought to replace the tickets I never received. Finally I received an email from XXXX with a link to print the tickets on XXXX for an event that happened on XX/XX/XXXX, so I forwarded this to GM Card and they still sided with the vendor. Here it is XX/XX/XXXX and GM card refuses to fix the issue even with adequate dated proof and reported it to the credit bureau as derogatory. I have never, ever missed a payment or had a balance that wasn't taken care of monthly, my account has always been good standing.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

my credit card was charged for a service I did not receive. The credit card company refunded the money to my card, and later went a did a credit reversal after I had already expressed that fraud on my card. I spoke with multiple representatives and the issue was supposed to be resolved, but it never did.
Consumer complaint received 2020-05-13
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I have a checking account with Chase. I used their online bill pay to pay my mortgage each month. This month I made the mistake of selecting an old vendor for my mortgage. The account has not been active for several years.

When I noticed that I selected the wrong payee I informed Chase of the error within 24 hours. They refused to stop payment on the payment. In fact they made the situation worse by stopping payment on my payment of my mortgage to the correct payee ( XXXX XXXX ) XXXX 

From that point I have called almost daily trying to get Chase to return the funds to my account. I have escalated the issue multiple times. But the bank refuses to act even though they acknowledge they can not ascertain how the funds were sent nor whom received the funds. They are somehow claiming they sent the money where I requested. Given that I responded almost immediately and can verify that I made consistent attempts to stop the payment this is an obviously false statement on their part. 

The crux of the issue I believe stems from their inability to determine how the money was sent. I was recently told that this was not done by ach transfer but by check. If thats the case then my efforts to stop the check should have been honored immediately. 

Their first and latest statement was that I should contact the recipient payee, XXXX. This is fraught with problems as well. I have not had an active account with them for several years. When I initially contacted them several weeks ago, they informed me that they had no record of my account. Apparently they leased the name of mortgage bank to another entity. That relationship no longer exists. They were not able to help me locate the funds and suggested I contact Chase to get them to start an investigation. Obviously, I had already done that. 

I have reached out to my current mortgage bank, XXXX XXXX, to see if they indeed received multiple payments from me this month. They said no. They did inform me that the institution that owned my mortgage previously was XXXX. 

I have now called and emailed each of these institutions. I have reached out to bank professionals and attorneys. Each advise me that the bank is obligated to return my funds. 

None of the institutions has done so.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (SC)

I am writing to file a formal complaint against the Department of Education/Aidvantage for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/Aidvantage has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/Aidvantage has infringed upon my privacy rights. 

Furthermore, the unauthorized reporting of transaction history, particularly regarding late payments, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/Aidvantage 's actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. 

Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by Aidvantage. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Aidvantage 's request for my SSN without my explicit consent demonstrates a blatant disregard for federal privacy laws.

Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to Aidvantage, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that Aidvantage cease all unauthorized collection and reporting of my personal information, including transaction history and SSN.

In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against the Department of Education/Aidvantage . Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the NATIONAL CREDIT ADJUST still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (IL)

I am writing to bring to your attention a matter of concern regarding erroneous information being reported to my credit profile by Jefferson Capital Systems , LLC. I believe that their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX, and I kindly request your assistance in resolving this issue. 

I have recently discovered that Jefferson Capital Systems , LLC, has reported inaccurate information regarding a debt on my credit report. According to the Fair Debt Collection Practices Act, debt collectors are required to provide consumers with validation of debts upon request. However, despite my numerous attempts to obtain validation of the debt in question, Jefferson Capital Systems , LLC, has failed to provide any documentation supporting their claim. 

Furthermore, the information being reported by Jefferson Capital Systems , LLC, is not only inaccurate but also damaging to my creditworthiness and financial standing. As a responsible consumer, I have always taken great care to manage my finances diligently and ensure that my credit report accurately reflects my financial history. However, the unjust and unsubstantiated reporting by Jefferson Capital Systems , LLC, has undermined my efforts and unfairly tarnished my credit profile. 

I have made multiple efforts to contact Jefferson Capital Systems , LLC, to request validation of the debt and to dispute the inaccurate information being reported to the credit bureaus. Unfortunately, my attempts to resolve this matter directly with the company have been met with indifference and disregard for my rights as a consumer. 

Therefore, I am seeking your intervention to address this issue and ensure that Jefferson Capital Systems , LLC, complies with the provisions outlined in the Fair Debt Collection Practices Act. I kindly request that you investigate the actions of Jefferson Capital Systems , LLC, and take appropriate measures to rectify the inaccurate reporting on my credit profile. 

Additionally, I urge you to enforce the provisions of the Fair Debt Collection Practices Act to protect consumers like myself from unjust and predatory practices by debt collectors. It is imperative that consumers are afforded their rights to fair treatment and accurate reporting under the law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2021-11-02
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: DISCOVER BANK (MN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The accounts that are still erroneously reporting on my account : DISCOVER BANK XXXX Date opened XX/XX/2018 Balance-
Consumer complaint received 2023-11-28
Product: Credit 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: DISCOVER BANK (CA)

I have received an incomplete product from the company XXXX and requested a refund upon return. Item was returned and the company refused to refund the money and have been an ongoing dispute for almost half a year. Discover has refused to cooperate and sided with the company and now I am not only out {$350.00} but as well as the fan I had originally purchased. This fan was returned and shipped back using the shipping company they arranged themselves. Item was purchased on XX/XX/XXXX. Dispute case # is XXXX
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I sent a certified letter with return receipt to Jefferson Capital Systems XXXX/2024 for a validation of an alleged debt of {$25000.00}. Jefferson Capital Systems has " Failed To Notify '' XXXX, XXXX or XXXX about the disputed Collection account which has not been properly validated. Jefferson Capital Systems is using a tactic known as " Parking Debt '' on my consumer profile without delivering proper disclosures prior to furnishing data to the consumer reporting agencies. Collection activity has not ceased by this non public information being furnished to consumer reporting agencies without proper validation. A " Cease & Desist '' of communication other than proper validation delivery by mail was requested in the certified validation letter. Jefferson Capital Systems has been " Wilfully Non-Compliant '' by continuing to call my personal cell phone DAILY from ( XXXX ) XXXX and send emails which I have unsubscribed from, in violation of my consumer rights under the FDCPA. Jefferson Capital Systems is damaging my ability to obtain credit & affecting my mode of living.