davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Date : XX/XX/2022 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 2024-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma (MA)

My CreditKarma account was previously hacked, and I spent several days trying to recover my funds and close both the checking and savings accounts. On XX/XX/year>, I contacted CreditKarma to permanently close my account, and they assured me a specialist would reach out via email ; however, I never received any follow-up. Recently, I received phishing calls requesting a 6-digit verification code to " prevent a break-in attempt, '' which I blocked. Yet, the account remains open, and there appears to be a security flaw in the system allowing unauthorized attempts despite my changing the password to a new, unique one. I am requesting that my CreditKarma account be permanently closed as soon as possible.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION (NY)

My credit card was stolen on the evening of XX/XX/21. When I realized that the card was gone on the morning of XX/XX/21, I immediately called the bank and discovered that several fraudulent charges were made at stores I have never been to. I disputed the claims with the bank but then received notification roughly one week later that my claim was denied and I would therefore be held responsible for these charges, which total {$1700.00}.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. Please send me copies If you can not find any of the info above immediately remove this account from my credit report. 

FACT 1 : There exist no PAPERWORK or DOCUMENTS that XXXX XXXX gave me FULL DISCLOSURE on how CREDIT was created with MY SIGNATURE! I believe NONE EXIST!! 
FACT 2 : I was also not told that I had 30 DAYS to VALIDATE THE DEBT! 
Fact 3 : I want to see the ACCOUNTING LEDGER should show what I owe you. You should be able to show how you lended me the money before giving me the money. 
After 30 days they ASSUME THE DEBT IS VALID! Because they know after 30 days they ASSUME THE DEBT IS VALID and they start collecting on it! Was this DISCLOSED TO YOU? No it was not thats another fact!!! 
DEBT COLLECTION is more than just COLLECTION ACCOUNTS and CHARGE OFFS! Its the account thats OPEN RIGHT NOW, its still a DEBT! Remember they are ASKING FOR MONEY to pay a DEBT, then it still applies! 
FACT 3 : I believe that there is no DOCUMENTATION from XXXX XXXX and I BELIEVE NON EXIST! 
You have 15 days to RESPOND to my original contract with my wet signature!
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for XXXX XXXX, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. XXXX XXXX sent account to the collection agency XXXX XXXX XXXX XX/XX/XXXX for the amount of {$2300.00}. I tried to contact XXXX XXXX  XXXX XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P. (GA)

Through covid I was having a hardship with work and my credit card companies sent my accounts to collections. Now my credit score is ruined and Im trying to get a house and I cant.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

im writing to complain about my credit report i ve recently checked it and noticed and there aree inaccurate items on my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$790.00} portfolio recovery opened XX/XX/XXXX {$400.00} these accounts were not opened by me these accounts are violations of law 15 usc 1681s-2 nobody shall report to not furnish any information relating to a consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate these need accounts should be deleted and removed within 4 days of recieving this i also reqquest all writting statements to be sent to my email
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (MO)

My Penfed Credit Union Debit card was compromised on XX/XX/2020 and I was issued a new card. But the fraudulent charge ( {$13.00} ) from the transaction still remains on the account. I have been calling Penfed customer service for several weeks now, but the agents I have talked to haven't done anything. Penfed also has issues with their phone lines where the call drops all of a sudden.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EASTERN ACCOUNT SYSTEM, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear EASTERN ACCOUNT SYSTEM, IN, I am writing to formally request validation of the debt associated with my account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. This request pertains to the debt you claim I owe, reported under Account Number listed below. I am exercising my legal right to ensure that this debt is valid and that you are legally entitled to collect it.

Please provide the following documents to validate the debt : 1. A copy of the assignment contract or other documentation showing your legal authority to collect this debt.

2. A copy of the purchase agreement or proof of sale, indicating the transfer of this debt to your company.

3. A detailed accounting of the debt, including the original creditor, the date of the original agreement, any payments made, and a clear breakdown of the amount you claim I owe.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, it is unlawful to report inaccurate, incomplete, or unverifiable information to credit bureaus.

The continued reporting of this debt without proper validation is a direct violation of my rights and constitutes defamation of my credit profile. As such, I am demanding the immediate removal of any reference to this account from all major credit reporting agencies ( XXXX, XXXX, and XXXX ) within 14 days of receiving this letter. 

Failure to validate the debt or remove inaccurate information will result in my pursuit of statutory damages for each violation. I am entitled to {$1000.00} in damages per offense under both the FDCPA and the FCRA for defamation, as well as any harm caused by your actions. 

Furthermore, this letter also serves as a formal cease and desist notice under 15 U.S. Code 1692c. I demand that you cease all forms of communication with me regarding this debt unless you can provide full validation. Any continued collection efforts, communication, or reporting of this unverified debt will be considered a violation of my rights under the FDCPA and FCRA, and I will seek further damages as allowed by law.

Failure to comply with this request will result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals office. I will pursue all legal remedies available, including seeking damages for defamation and harm to my credit reputation. 

I expect a complete response within 14 days of your receipt of this letter. If you can not provide sufficient validation, I demand the immediate cessation of all collection efforts and the removal of this account from my credit report. 
Sincerely, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

During XX/XX/2020 and XX/XX/2020 my payments report in good standing ( OK ) as on time payments. XXXX XXXX after my XXXX payment Capital One reported a sixty-day late payment for XX/XX/2020. There was never a notice statement of outstanding balance for XXXX. A XXXX late payment for XXXX proves an error. For direct citation concerning this matter please reference 15 USC 1666 ( A ) & ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Capital One such authority. According to 15 USC-81s-2 account is in violation of multiple subsections because not only are the late payments being reported inaccurate they are also being reported during XXXX XXXX. In good faith I have conveyed my hardships with Capital One on a recorded line concerning the national pandemic and how it impacted my day to day well being, but yet they furnish my report with derogatory marks lessoning opportunities of progress via mortgage, jobs, and other loans that I can leverage to better myself in such trying times.
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-03-27
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. (AR)

I am Submitting this CFPB Complaint to dispute the presence of inaccurate and erroneous accounts on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. Specifically, the accounts I am disputing are : XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$1000.00}. The information contained within these accounts is inaccurate and does not reflect my credit history accurately. I request that you investigate this matter and correct any inaccuracies found. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Consumer complaint received 2023-03-27
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. (AR)

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX, XXXX, XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.
Consumer complaint received 2020-06-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (TX)

This company PERSOLVE LEGAL GROUP is trying to collect {$16000.00} from me for a bill they claim I owe. They purchased this debt from XXXX XXXX with whom I have already contacted and they removed the item from my credit report. 

PERSOLVE LEGAL GROUP is now trying to collect {$16000.00} for a car that XXXX   XXXX sold at auction 5 years ago.XXXX XXXX  DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own and for which the account has long been settled between myself and the original creditor I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

My name is XXXX XXXX l have a loan with XXXX XXXX, service by Rushmore Loan Management services. 
I have been suffering a nightmare since the first day my loan was sold to you. 
In XXXX of this year, I bought a condo in XXXX Florida, and it was financed by XXXX XXXX. 
All my documentation was submitted and registered by them, including 1 year in advance condo insurance, and the flood insurance from my building. 
Since XXXX this year, my loan was sold to XXXX XXXX, and the documentation was apparently never submitted, by the previous loan owner. 
They start adding money to my balance without even notifying me, when they finally told me, I let them know that was wrong because I did have full insurance, paid in advance for the full year, including the flood one. 
I submit everything by email several times, and even by regular mail. 
And the last time I was able to actually speak with someone over the phone, he said that the information was received, but, never processed. 
I submit it one more time, but still shows a deb that I dont own! 
It is not my fault that the previous loan owner did not submit it completed! 
I have been trying to get the message to the people that call me harassing me for something that is not right! 
And now for the past 2 weeks, I have been trying to speak with someone on customer service, and is absolutely impossible, that customer service line XXXX XXXX XXXX became only an automatic system, and is not possible to speak with no one. 
Please help me, I need them to register the insurance information from day one in my loan, delete the amount of money that was a wrongful charge to my balance, and clear my loan. 

Thanks,
Consumer complaint received 2022-05-24
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: CREDIT ACCEPTANCE CORPORATION (WI)

With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid 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: CITIBANK, N.A. (MA)

I ordered custom-made-to-order Kitchen Cabinets from XXXX XXXX on XX/XX/XXXX in the amount of {$3800.00}, using my CitiCard credit card. The day I was told they were to ship, the Company went out of business. I have never received my order and the Company XXXX XXXX XXXX, that eventually purchased the bankrupt XXXX XXXX has not been able to locate my order or provide any assistance. They state XXXX XXXX XXXX is the primary point of contact for claims, but the Website they referred does not exist. I called CitiCard and disputed the credit card charge, and the amount was deducted from my statement. My XXXX statement from CitiCard included a letter dated XX/XX/XXXX reversing the disputed amount, based upon XXXX XXXX XXXX XXXX response to the dispute. The response included no insight as to what happened to my order. CitiCard states they have closed their investigation, and I would need to provide confirmation that I have still not received the merchandise. I mailed all copies of all correspondence to CitiCard on XX/XX/XXXX, with no response, so I remailed everything on XX/XX/XXXX via Certified Mail. I paid my XXXX CitiCard statement, but deducted the disputed amount.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

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

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of the notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXXXXXX consumer report. 

The above bank closed my accounts without warning. This has grossly affected my business and personal life. As a business owner, sometimes I DBA in my personal name. This isnt in contradiction to any known law. 
Again, I would appreciate a proper investigation into my case.