davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

Dear Sir or Madam, I am writing to formally file a complaint against the law firm Pressler , Felt & Warshaw , LLP for unlawfully withholding my wages and failing to address my request for investigation. Furthermore, my bank has imposed a {$100.00} legal fee due to their actions. This fee was applied, and my wages were seized despite no legal action or judgment being taken against me. 

The wages in question are being withheld based on an alleged debt that I dispute and categorically do not owe. I want to emphasize that I have never been sued, nor is there any judgment against me regarding this matter. Here is the reference number provided by the bank : XXXX. 

Despite numerous attempts to resolve this issue directly with the firm through emails and faxes, I have not received any satisfactory response, nor has any investigation been initiated. My efforts to clarify and dispute the alleged debt have been completely ignored. 

The unlawful withholding of my wages and the unjust legal fee have caused me significant financial hardship. I am unable to access the funds necessary for my basic living expenses and to meet other financial obligations. This has resulted in undue emotional stress and left me in a vulnerable financial position. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. I believe that Pressler, Felt & Warshaw LLP is in violation of my rights and federal law by engaging in unlawful debt collection practices, including the wrongful withholding of my wages. I ask that my wages be immediately released, the {$100.00} legal fee refunded, and that the law firm be held accountable for their actions. 

Thank you for your time and prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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 XXXX XXXX XXXX XXXX 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 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 purpose
Consumer complaint received 2021-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

So someone reached out to me on XXXX. She gave proof of peoples accounts and how she was willing to give money back if there was a down payment. 

After a week she kept responding and messaging and proving that it wasnt a scam. On Friday, the XXXX I did a XXXX transaction of {$2000.00}. And then Saturday morning, the XXXX, I did another XXXX transaction of {$1500.00}. The girl then said a check would be deposited of {$36000.00} into my account. By Saturday night, it never came thru. 

Her name was XXXX XXXX  on XXXX. She was some car insurance provider and talked about how she has extra car insurance vouchers and was giving it out monthly. 

Please help me with this situation, she literally took all of my savings and my money I was supposed to send to my mom bi-weekly.
Consumer complaint received 2022-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I have received repeated letters from Midland Credit Management stating that they would sue me for very old debt. I received a letter today stating that they intend to have a lawsuit filed against you, in an attempt to collect the debt. They have repeatedly used scare tactics to get me to pay this debt.
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX XXXX. XXXX. XXXX XXXX XXXX services # XXXX XXXX XXXX # XXXX And XXXX XXXX XXXX have violated my rights 15 US C 1681 section 602A States that I have the right to privacy. 
15 US C 1681 section 604 a section until I saw XXXX XXXX reporting agency cant furnish an account without my written instructions Not only do these accounts and I belong to me, but Experian XXXX XXXX and XXXX are violating my rights, along with these other companies above. Above I plan on being involved with a multi XXXX dollar legal class action lawsuit because of this, it has caused me a lot of trauma and grief!
Consumer complaint received 2022-07-14
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: WELLS FARGO & COMPANY (FL)

30 days ago i contacted each CRA to update my credit report and take of all negative items hurting my lively hood in which they did a false investigation and never rectified the accounts
Consumer complaint received 2020-05-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

checked my credit profile and these erroneous accounts were listed. 

XXXX XXXX XXXX XXXX  XXXX XXXX Bk of Amer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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. (GA)

I did not give written consent, or permissible purpose for creditors to access my consumer report-this should have never occurred without my permission. Please see attachment for the specifics on this issue.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm attempting to place a temporary lift on my Freeze. This is the second time within months of identical issues from TransUnion. As with my last temporary lift, I'm met with failure of this companies ability to accomplish my request. ( Federal Regulations failure and I will file complaint with Federal Regulatory ). 

I first attempted to place a temporary lift on my credit file. On-Line system is not operating, again! Message on TransUnion website states Freeze Information is Unavailable. I attempted to make this temporary lift via phone with negative results. I believe this is an intended action on behalf of TransUnion. Their welcome message regarding credit freeze is clearly designed to disrupt an individuals desire to place a freeze on their credit file. It is easily assumed that TransUnion is intentionally making the credit freeze process an unbearable experience to prevent individuals from placing a freeze on their credit file. 

Additionally, the first experience with attempting to place a temporary lift on my freeze, the information they utilized to confirm my identity was approximately 4 years old. ie ; They asked me questions regarding what mortgage I have. They stated that my answer was incorrect, however their information was old and I had since two new homes. The same occurred with a vehicle loans with what lender ; Once I figured out their challenge questions were with outdated data, I had to calculate which vehicle I had years prior.. 

It is without a doubt, TransUnion is engaging in unfair credit practices simply to discourage individuals from having their credit files frozen.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-17
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. (MD)

Hello my name is XXXX XXXX. I was going threw my credit report and saw that a account by the name of XXXX ACCT NUMBER XXXX is on my credit report. I know nothing about this account and I file a identity theft report. i also send Experian the identity theft report but I haven't receive any feed back yet and it been over 30days my TRACKING NUMBER for this dispute XXXX XXXX XXXX XXXX XXXX XXXX. By the post office. Also here are some laws that this account is VIOLATING my consumer rights of Privacy 15 U.S.C 1681 Procedure in case of disputed accuracy ; Section 2 Prompt notice of dispute to furnisher of information 15 U.S.C 1681- Treatment of inaccurate or unverifiable information 15 U.S.C 1681s Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

This problem started after my father the home owner passed away and the estate was in probate court.My father 's estate was to be handled by court appointed administrator, XXXX XXXX.He was and still is negligent in handling this estate but even though I have tried to bring my critical concerns to the court, they never saw anything wrong with XXXX XXXX actions.When the family home was in foreclosure, he did nothing and he never gave us the heirs any opportunity to do anything.The mortgage company would not communicate with the heirs, since they said we had no standing.We were never given an opportunity to save our family home.Ever attempt by the heirs was handled byu XXXX XXXX in bad faith.They decided they were going to sell the home and make a profit and we we never given an fair and honest opportunity to buy the home.Even before the foreclosure, now that I have been looking at the mortgage contract there was a discrimation by the lender to take advantage of a elderly and sick man by making him sign a contract that will extended pass his death.This was predatory lending, the out come was known when the contract was signed.THere were also problems with the income stated and my father 's XXXX  compacity is also questionable since he suffered XXXX XXXX prior to his signing.The mortgage company took the home, even though it infringed on the mortgage contract when it send in Safeguard properties without notification and when it was in the home, my families valuables were stolen.The heirs did file a civil case but it was dismissed because XXXX refused to enter the lawsuit.I have fought this by myself and XXXX XXXX with its vast wealth has done everything it could to shut me down.It never acted in good faith with negotiations and it refused my bid on an auction website even though it met their price.Time and time again XXXX XXXX made sure my family never had a fair and honest chance to get our home back.Now its on the market for XXXX that's almost 3 times what the mortgage amount was.XXXX XXXX is guilty of predatory lending and age discrimation and acting in bad faith.I also asked numerous time for a copy of the original appraisal but was never given one.I want the appraisal.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I called to TD bank todaa XX/XX/XXXX to submit a dispute but the representative denied that saying that is out of 60 days. But she didnt care about the expected delivery date was XX/XX/XXXX. 

Transaction 1 : XX/XX/XXXX, {$870.00} XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. Must be delivered on XX/XX/XXXX. 

Transaction 2 : XX/XX/XXXX {$860.00} XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Must be delivered on XX/XX/XXXX. 

I tried to reach the merchant several times starting on XX/XX/XXXX without success.
Consumer complaint received 2022-02-11
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: PNC Bank N.A. (FL)

To my knowledge, credit cards in my name were taken out beginning in XXXX of 2021. There is one specific person that has done this and bragged about doing so online through various social media outlets. Ive tried filing complaints, pursuing charges, police reports etc with absolutely no resolve or help by local authorities as this person lives in another country. My credit remains affected. My life remains affected. I need these more than TWENTY credit cards opened without my authority by this criminal to be dropped.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX Bank of America closed my checking account without notice. Since then i have no access to my funds. They said they mailed me a cashiers check with my funds on XX/XX/XXXX but i never received the mail and i think the mail is lost. Now they say i have to wait until XX/XX/XXXX which is the date that the check expires for them to reissue me another check.
Consumer complaint received 2022-07-17
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. (NC)

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit.
Consumer complaint received 2022-07-17
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. (NC)

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (OH)

SEQUIUM ASSET SOLUTIONS Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1600.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$2000.00} Balance Updated XX/XX/XXXX The information above is another debt collector, possibly the 3rd I am not sure. I disputed this debt which was through XXXX XXXX last year. XXXX sent me an update in XXXX XXXX stating that it was removed from my credit. It was sold off to this new debt collector SEQUIUM ASSET SOLUTIONS which the only phone number online to call them is an 800 number and it only allows you to punch in an account number and pay a debt. I disputed this AGAIN with XXXX, the results came back as the debt is " accurate '' This is a debt that originated in XX/XX/XXXX somewhere in the south XXXX XXXX area. I have never lived down there, I never had accounts with XXXX XXXX, I called XXXX XXXX last year, they sent me paperwork to dispute it. I thought it was done, but it's back again and It has taken up so much of my time, destroyed my credit which I try to maintain.
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

I had suffered a XXXX XXXX in XX/XX/XXXX, I have suffered 2 other XXXX XXXX prior to that incident my wife was XXXX  in a XXXX  XXXX  in XXXX after 22 years of marriage I was devastated but was able to recover from that and stay on top of my life caliber home loans is where my mortgage is financed through, I was given a forbearance application to file with a team of specialists that work for caliber home loans, I was not allowed to make payments during the application process as of XXXX XXXX I am 8 payments behind totaling {$8800.00}!! My payment is {$1000.00} per month, after I was denied the forbearance modification loan I was put in forcloser process when I was not able to come up with the amount in full due to the fact that caliber home loans does not take partial payment on a loan 120 days past due. I contacted caliber home loans offering them a informal repayment plan of {$2500.00} down and the monthly payments of {$3400.00} for XXXX and XX/XX/XXXX, once again in was denied due to the fact of my payment history. I built my home 26 years ago to raise my family in I'm a honest person that wants to keep his home I'm just asking for a new payment plan, when the banks faced difficulties with over extending loans the people bailed them out I feel it's only fair for the same in return.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX In the file you maintain under my Social Security number.Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is $ XXXXreportedXXXX XXXX I challenge the accuracy, compliance and reportability of this account. As I was a victim of identity thief. 

Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press releaseincluding documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
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: EQUIFAX, INC. (TN)

Equifax still refuse to uphold the law that applies to them .Equifax deletes then reinstate a account that does not belong to me back on my credit report.
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (TN)

Experian still refuse to uphold the law that applies to them.Experian deletes then reinstate a account that does not belong to me back on my credit report .my next step is to have the IRS in this matter.
Consumer complaint received 2022-06-03
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: CITIBANK, N.A. (NY)

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a 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.