davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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: JPMORGAN CHASE & CO. (TX)

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 opened consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-26
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. (MA)

I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Reported : XXXX. XXXX, XXXX XXXX BANK XXXX  Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.
Consumer complaint received 2022-12-07
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: Bridgecrest Acceptance Corporation (NC)

In accordance with the fair credit Reporting act XXXX Account # 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 a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

301
Consumer complaint received 2024-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (NY)

In XXXX, I received an Annual Escrow Account Disclosure Statement dated XX/XX/XXXX ( see attached copy ). It states the change to my monthly payment and gives the option to pay the shortage in full to avoid the payment being spread over a 12-month period. I paid the shortage of {$970.00} ( see attached copy of statement ), and the new payment started in XXXX. 

Recently, I received another Annual Escrow Account Disclosure Statement dated XX/XX/XXXX ( see attached ) which lists another shortage and a new payment beginning in XXXX. I was quite surprised as in all my years as a homeowner, the escrow account is analyzed once a year hence the title, Annual Escrow Account Disclosure Statement. This second statement makes no reference to the first one nor does it explain why the second statement is being sent. 

On Wednesday, XX/XX/XXXX, I called M & T to try to get some answers and on the attached copy of the second statement you will see my notes. I was on the phone for about an hour, and no one could give me a clear explanation as to why I am receiving two Escrow account analysis in one year. One person said there was a delinquency, one person told me I would need to contact my county tax agency to find out, and on and on ad nauseum. I was switched back and forth between departments and I even asked if I could get a copy of the document that M & T received that stated there was a delinquency, I was told no. As calls are monitored/recorded for quality assurance purposes, what was said can be verified.

I have paid the new shortage of {$440.00} as I have no idea how/if this will be resolved. I dont want to risk any delinquency on my part in paying my mortgage. I also want to mention that I pay an additional {$100.00} a month to my escrow account. If a banking/mortgagor can change monthly payments under the guise of an escrow shortage with no proof, what is to stop them from doing this several times a year?

I will also be filing a complaint with The New York State Department of Financial Services as well as the Consumer Financial Protection Bureau. Hoping to get some clear answers.
Consumer complaint received 2022-12-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (TN)

I was contact by Frost-Arnett Company back on XX/XX/2022 regarding a medical bill I have. The debt collector never verified any PII, never read XXXX XXXX disclosure, and I do believe contacted me by a dilated system. I had to ask her at the end of the call if she was a debt collector because she didnt follow proper procedures. This is a violation in several ways. I did call back and speak to a manager XX/XX/XXXX and made them aware s as bf asked them to listen to the call and still havent heard anything back.
Consumer complaint received 2024-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc. (TN)

Bounce AI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Reinvestigation Request NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Bounce AI for Violating Consumer Rights Dear CFPB Team, I am writing to formally report that the collection agency Bounce AI is violating my rights as a consumer. I believe their actions contravene several federal laws, specifically : 1. **15 U.S.C. 1681** - Fair Credit Reporting Act 2. **12 CFR 1006.34 ( b ) ( 5 ) ** - Regulation F, which pertains to the proper handling of debt collection communications 3. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** - Regulation F, regarding the validation of debts 4. **12 CFR 1006.34 ( d ) ** - Regulation F, concerning the prohibition of certain collection practices 5. **15 U.S.C. 1681-S2 ( 7 ) ( A ) ** - Fair Credit Reporting Act provisions If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

In addition to these violations, Bounce AI does not possess a license to collect debts in XXXX, as verified through the XXXX XXXX XXXX website. This lack of licensure indicates that they are operating illegally within the state. I have attached the proof of such as " XXXX XXXX XXXX XXXX.pdf '' I respectfully request that the CFPB investigate these violations and take appropriate action against Bounce AI for their unlawful practices. 

Thank you for your attention to this matter. Please feel free to contact me if you need any further information or documentation. 

Bounce AI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PLEASE REMOVE Bounce AI, Account Number : XXXX FROM MY CREDIT REPORT Sincerely, XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/22, I deposited a check written for me from my college XXXX account ( XXXX XXXX XXXX XXXX ). I was advised that the check would be held until XX/XX/22. When I could finally access the check when it posted on XX/XX/22, I realized my account had been frozen ( no notification from my bank Truist ). 
I went to my local branch and was advised the check was marked as fraud and needed to be investigated. It has been 4 weeks to the day now as today is XX/XX/22. NOTHING has been resolved. I have been told to provide proof that the check was for me, which I did get documentation from the XXXX  XXXX XXXX XXXX and submitted it over two weeks ago. 
I had multiple 4 way phone calls between me, the account holder for the XXXX plan ( my Aunt ), a rep from the XXXX  XXXX XXXX XXXX, & a Truist Fraud Rep. Yet, they say call back in 1 more business day or 3 more business days just for nothing to be resolved. I havent been able to access ANY funds in my checking account as my whole account is frozen. I can not pay any bills nor access direct deposit from my employer. All of my bills companys are charging me late fees as well as returned fees. It is ridiculous and Truist is no help at all.
Consumer complaint received 2023-05-10
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: VYSTAR CREDIT UNION (FL)

Name - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Dire Violation of The Fair Credit Reporting Act ( Vystar Mortgage Acct Number XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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 a treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Parnell & Parnell, PA (GA)

I am filing a complaint against Parnell & Parnell, P.A. for a debt that they are alleging is mine. I have no knowledge of this debt and requesting the following information from Parnell & Parnell, P.A.. As a third-party debt collection agency, you are required by law to send me the original contract agreement proving that this debt is in fact mine. I am also requesting that you send your chain of title and errors and omissions policy number proving that this debt is mine. As a consumer, I know my rights and that it is against the FDCPA to collect on a debt that you can not prove. Because of this, Parnell & Parnell P.A. has willfully and negligently used my non-public personal information without my consent and is therefore deemed as fraud. I am demanding that you prove the documents that have been requested or delete and dispute the following debt. I am giving you 30 days to do this per the law.
Consumer complaint received 2022-12-07
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: New Century Auto Sales, Inc. (IN)

On XX/XX/2022 I walked into a Right Way Auto dealership looking around for a car not wanting to run my credit score at all and i explained that to them before I stepped inside the dealership the sales man there XXXX XXXX told me they had a big inventory and would have what Im looking for in explained i was looking for a vehicle first and wasnt trying to run any hard pulls on my credit score at all at which he took me into his office and then proceeded to run a hard pull XXXX times destroying my score at the moment making me look desperate when I was just looking around for a vehicle that would interest me then talked down on me and said there was nothing I would be able to do about it.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

This in regards to a vehicle from XXXX XXXX with an open auto loan through XXXXXXXX XXXX XXXX XXXXXXXX act # XXXX. XXXX XXXX did not provide me with Truth in Lending. This is a clear violation of my consumer rights. If they provided me with TILA then I would have known that the alleged vehicle was not funded. XXXX XXXX provided me with a vehicle on or around XX/XX/2022. I did not have full amount that they were asking for but they still allowed me to purchase vehicle without insurance. I stated to the sales rep that I was not fully comfortable with the car that they provided for me because KIAs, right now in XXXX XXXX MO have a high theft alert. They then stated that I could not return car once I drove off the lot which is another violation of TILA and regulation Z which clearly states they are to provide consumers with rescission rights. XX/XX/XXXX the vehicle still had not been funded. I waited until XX/XX/XXXX to try and return car again seeing that it had still not been funded and thats when the vehicle was stolen. I have the police report with complaint # XXXX and it will be attached. I contacted the sales rep and he tried to make me feel bad by saying to not say anything since I did not give them what they originally wanted for the car to begin with. He said that he would take care of the situation. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX posted on my consumer report and began requesting payments. I did not give them permission to post anything on my consumer report. 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. Once I seen the posting I immediately contacted the sales rep at XXXX XXXX where I was told the sales rep no longer worked there. XXXX XXXX falsified information to get me into a car and has not tried to help resolve this. They are damaging my consumer report because XXXX XXXX  is marking late payments and adding interest on a vehicle that I don't have and never was supposed to have to begin with. By the time the first payment was supposed to be made and funding came through the car was already gone. XXXX XXXX is responsible for this and needs to handle this. I also will be filing with MO Secretary of State as well.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2022 around XXXX I got a scam from the market place on XXXX XXXX I posted an item but the person scammed me {$500.00} by sending me a fake Zelle account email to made me sent {$500.00} through the Zelle. Now they are frauding me higher amount of {$1000.00}. 
I already contacted XXXX XXXX and reported the fraud but they didnt help I need to pay my rent and now I don't have money to pay please help
Consumer complaint received 2022-12-07
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (MA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-09-23
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. (IN)

On XX/XX/2022 I recieved an correspondance that was submitted to the consumer Financial credit beuerer CFPB # XXXX XXXX XXXX submitted a fradulent letter stating that they conducted an ivestigation how ever in their correspondence the aknowledged that thhey could not verify the information without verberly speaking to me they did not verify because the bankruptcy that is on my credit report is unverifiable they have a fedarl obligation under the statue to delete this information permentky XXXX XXXX knownkly and intentionally sold un verifiable information to XXXX XXXX and transunion more speciffically under 15 USC 1681 a states Accuarcy and fairnes of credit reporting. The congress makes the folowing findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy. Also under 15 U.S.C 1681 b the law is very clear that XXXX XXXX is violationg m consumer rights and violating the fair credit reporting act as follows In response to the order of a court having jurisdiction to issue such a federal grand jury. In accordance with the written instructions of the consumer to whom it relates. At no time have ive given consent to XXXXXXXX XXXX XXXX to sell my private information more specifically it is not verified by there own emmission.
Consumer complaint received 2024-10-31
Product: Credit reporting 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)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2022-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

XXXX XXXX, XXXX XXXX, am writing this complaint without any assistance from any third parties. I am requesting the following documents in response to FEDLOAN response to the previous complaint : Please provide an authenticated record that verifies that I gave FEDLOAN consent to share my nonpublic personal information to the consumer reporting agencies. Please also provide an authenticated record that verifies that I gave consent for FEDLOAN to share my nonpublic personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

XX/XX/2024 - I find out that bank transfer from XXXX saving account to my brokerage account ( XXXX ) was rejected. I had set up the bank transfer to pay for mutual fund purchase at XXXX. XXXX sells my holdings to pay for the purchase. In addition to my shares getting sold when I didn't intend to, I incur {$2500.00} in tax liability XX/XX/2024 - I contacted XXXX XXXX XXXX XXXX and find out that they had frozen my account during the above time period which resulted in bank transfer getting rejected. XXXX DID NOT communicate the account freeze over email or phone. 

Bank did not meet the communication requirement required by law.
Consumer complaint received 2022-10-30
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: SUNRISE CREDIT SERVICES, INC (PA)

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 U.S.C 1681 SUNRISE CREDIT SERVICE : XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years.

15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate