davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m (  f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not  appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A )  The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As  a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trojan Professional Services, Inc. (NJ)

Please see email I sent to them just now. As you can see, they have refused to provide the information. 

To Whom It May Concern : I am writing this letter in response to my numerous email requests and the call we just had today. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I had requested that you provide me with a validation of the debt that you talked of earlier. I am entitled under law ( 15 USC 1692g Sec. 809 ( b ) ) to have your claim disputed and validation was demanded several times. On the call, I was advised that you do not have the underlying debt and I needed to call someone else for that. The law requires that you maintain those documents and provide it to me. 


I had requested that your office provide me with complete documentation ( see below ) to verify that I owe the said debt and have any legal obligation to pay you. 


Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Your offices only response to the matter was to ask me to call to discuss. I had advised that I do not want to call and simply was enforcing my right to validate the debt. As your office has failed to provide validation of the debt within 30 days, all instances related to this account must be immediately leted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 


Your non-compliance with my request is also construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Please note that pursuant to my emails below, I am concurrently forwarding this to the CFPB, the NJ General Attorney 's Office and the FTC for non-compliance. 


Thanking you,
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CT)

Late at night on XX/XX/XXXX in XXXX Maryland I lost my debit cards. TD Bank and XXXX  XXXX. Once I got back to my college, probably 2 hours after losing my cards, I checked my wallet and saw they were  missing. I immediately froze my XXXX  XXXX card and checked and saw no fraudulent purchases or withdrawals. I then checked my TD account and saw XXXX dollars in withdrawals. The person withdrew my limit of XXXX on XXXX and then waited until after midnight to withdraw more money from the account. There are also several balance inquiries. I was charged a non-TD atm fee for all of this. I immediately called TD to freeze the card and wanted to dispute the transactions. I was told to wait until the transactions posted. That tuesday XXXX the withdrawals went through on my account and I immediately called to file the dispute. On Friday XX/XX/18 I called my bank as I received no notice and they told me the dispute was denied. They claimed there were no incorrect PIN enters and that was their reasoning. I have now filed a police report and will go down to the TD branch in XXXX to refile the dispute with the report attached. I told them I should be responsible for only XXXX dollars but they keep claiming it is on me and has cited ignorance as reasoning as well as going back to the PIN code, even though I believe it may have been obtained through shoulder surfing, as I did make an ATM withdrawal with my XXXX XXXX card and that has the same PIN as my TD card.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (MI)

I have sent multiple letters to Experian requesting investigation of certain accounts that were incorrect or inconsistent with other credit reporting agencies. I sent a letter on XX/XX/XXXX requesting them to send me their methods of verification for these accounts. Experian decided to open a dispute instead and update the information without showing me the methods they used as requested. They did not only ignore my request for method of verification but they also neglected to respond in the 15 day time frame the letter was sent on XX/XX/XXXX and was not responded to until today XX/XX/XXXX. This company has violated my rights and have defamed my name if you can not verify the information you are reporting you must delete the accounts. I believe that Experian is choosing to ignore my request and violate my rights purposefully. I truly believe they have been stalling due to lack of information. Please investigate this company.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2018, I closed my account with Capital One which I had for 19 years. I paid the balance off in full since I am now retied and do not want multiple credit cards open. The other issue I had with Capital One was their unacceptable security over the handling of my account. Far too many fraudulent transactions that happened and they could not offer any explanation. 

Since that date Capital One has continued to keep the account open and more fraudulent transactions have happened, some overseas transactions XXXX XXXX XXXX. I have attempted numerous times to close my account to no avail. Please let me know I can do to put an end to this issue once and for all. Thank you for your assistance.
Consumer complaint received 2022-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

The company has not shown any prove that I own this alleged debt. you have shown no signed contact between XXXX XXXX and your company stating we have a relationship. As I stated before It would appear as though XXXX XXXX XXXX, XXXX. [ ORIGINAL CREDITOR ] has sold this account to you, a 3rd party interloper, and you may be participating in fraud. 

Since there is NO SIGNATURE on the documents you may have sent me, who is accountable for this contract I am being offered? If you can state your claim & provide that contract, I have with you whereas there is a wet ink signature from the Claimant & someone from the RESPONDENT, I would be happy to settle this alleged account. Please notice that this is a request for VALIDATION and PROOF OF CLAIM made pursuant to the Fair Debt Collection Practices Act and Fair Credit Billing Act. 

Your company is committing fraud against my property. You had bought information that I did not give permission to anyone to share my personal information with anyone nor any company. this is Fraud on so many levels.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.
Consumer complaint received 2019-10-24
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 ALSO WAS IN THE XXXX  DATA BREACH I HAVE BEEN GOING OVER THESE ISSUES FOR MONTHS NOW IN REGARDS TO FRAUDULENT THINGS REPORTING ON MY CREDIT SERVAL TIMES AT LEAST EVERY MONTH THIS YEAR OF 2019 I HAVE TRIED TO HAVE THIS ON GOING ISSUE RESOLVED.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (MA)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX. : # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX. : # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX 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 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 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One conspired with XXXX to downgrade my credit score to XXXX to cover up discriminating nature of rejected application. 

The XXXX report listed negative non-measurable, non-numerical, non-defined verbal parameters that must be reflected in the credit score : " Too many inquiries last 12 months Time since most recent account opening is too short Amount owed on revolving accounts is too high Length of time revolving accounts have been established ''. 
See attached XXXX XXXX has my credit score as XXXX. 
See attached document XXXX. 
XXXX have my score as XXXX. See attached document XXXX 

That was happened twice when I applied for Capital One Venture credit card while my credit score was well above XXXX. See attached documents XXXX   and XXXX
Consumer complaint received 2019-10-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (FL)

Our company had two mortgages for two properties in Maine. Closed at different times, each has their own closing packages, referred to as " loan 1 '' and " loan 2 ''. On the front page of each mortgage there is a paragraph for " cross-collateralization ''. 

In XX/XX/XXXX loan 1 went into default. No foreclosure was filed by the bank. We worked with them to sell the property for that mortgage ( during the worst time of year to sell ) and sold them for a portion of their value so that we could satisfy the bank. The bank was made 100 % whole on loan 1 -- NO discount. 

In the same XX/XX/XXXX, the bank took loan 2 ( performing and current ) and instituted a default rate, almost doubling the payment. If you evaluate the amount of monies paid to the bank for loan 2, the loan would be currently paid through XX/XX/XXXX. 

My problem is that there is NOT a cross default provision in the mortgage. Peoples United Bank has therefore illegally withdrawn excess payments and not recorded payments properly for loan 2. They have since filed for foreclosure and have an auction scheduled for the property. 

I am filing this complaint as it is my intention to make all parties aware of my intention to pursue this claim legally, possibly through class action.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-08
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: Maximus Federal Services, Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and Dept of EDXXXXAIDVANTAGE XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

XXXX XXXX NMLS ID # XXXX from Amerisave Mortgage Corporation told me and my wife to sign lots of documents online saying my application has been pre-Approved for refinancing my mortgage. He did not provide me any documents what we signed. He made me pay {$500.00} for appraisal fees saying I am not going to loose any money because I am already approved for the loan. After the appraisal he send me another documents to sign. I found this is an initial application for the loan. In short HE LIED me and took all of our confidential information over the phone and in his email saying I can not complete an online application and wasted my {$500.00}.
Consumer complaint received 2019-10-24
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. (SC)

SECOND REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-05-14
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)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN 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 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 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 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 XXXX