davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (RI)

back on XX/XX/XXXX. I sent a letter to CCS Collection Services as Follows : CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX re account # ending in XXXX Dear collections agency This is a dispute letter to show XXXX XXXX XXXX XXXX  are not creditors and should not be listed on my consumer credit report. 

Using as an example XXXX XXXX XXXX vs. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX- XX/XX/XXXX, XXXX XXXX. 

And it says : To the limited extent to which it is set forth in the declaration the transaction before us is similar to that in the XXXX case. There the insured was offered a plan under which the annual premium could be paid in XXXX installments with a down payment of XXXX percent plus a flat monthly service charge. If an installment were not paid when due, the sole remedy available to the insurer was cancellation of the policy. Indeed, in the event of cancellation for any reason, the insurer could make no claim for any premium earned for coverage already provided but not paid for by the insured. The court concluded that the insurer was not a creditor of the insured, that the transaction was not a consumer credit transaction and was not subject to the XXXX XXXX. XXXX v. XXXX XXXX. XXXX, It also states : the Federal Reserve Board have consistently taken the position that insurance premium financing plans " in which the customer is not obligated to make remaining payments but may elect to cancel at any time by simply not paying an installment when due, would not create the creditor-debtor relationship required before a transaction becomes subject to [ the disclosure requirements of ] Regulation Z. '' XXXX XXXX of XX/XX/XXXX Now as per the following U.S. Codes : 1 ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX making the report. 

2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person ( And no one there has been authorized in writing to do so. ) With that being said you have five business days to remove any and all traces of this from all 3 agencies if not done in 5 business days I will meet with my attorney to discuss further action. 


Best Regards, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prejudice XXXX All Natural Inalienable Rights Reserved
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX  XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

Listed below are the Inquiries that are being challenged : XXXX XXXX  - XXXX I was quite surprised to discover an inquiry on my credit report, which I do not know of authorizing. As you may be aware, the Fair Credit Reporting Act mandates that no one may access an individual 's credit information without their explicit consent.
Consumer complaint received 2022-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On the XXXX XX/XX/2022 I instructed my broker company to transfer my assets XXXX from my broker account at XXXX XXXX XXXX XXXX XXXX to my bank account at XXXX XXXX XXXX XXXX XXXX  XXXX. 
This international XXXX transfer was initiated with the reference XXXX ( XXXX  Reference Number XXXX, XXXX XXXX ) to BANK OF AMERICA , N.A XXXX XXXX XXXX  NY XXXX ( XXXX ). 
I never received that transfer since that day. 
The XXXX XXXX tracking shows the transfer is under review at intermediary Bank of America. 
I posted twice to BOFA email address XXXX both times enclosing documents proving my source of funds and the objectives of the transfer. 
I have had no feedback or any further requests or clarifications by BOFA. 
These funds are used for my own personal needs. The funds are being transferred between my personal accounts.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-25
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: Avant Holding Company, Inc. (AL)

I recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

A company called CRG ( I am assuming it's Columbia Recovery Group from my internet research ) leaves one to three ringless voicemails per day on my phone threatening to come to my house or place of employment to " collect a debt. '' They've been calling daily for at least six months. They've threatened to contact my supervisor and to have me arrested in front of my coworkers. I called them and told them I'm onto their scam and to stop calling me, but they won't. I asked the person who answered what kind of company they were and where they were located, but all the woman would say is " we're a litigation firm '' and proceeded to tell me off about why I had no right to know what their address is. My phone number has been on the Do Not Call Registry for years.
Consumer complaint received 2022-07-15
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (AR)

Midland Credit Management has reported false information about THREE alleged debts to at least two of the major credit reporting agencies ( i.e., XXXX XXXX XXXX ) -- see attachments. XXXX is falsely reporting itself as the " original creditor '' for each of these alleged debts. I have never incurred any debt with XXXX or transacted any business with them. I have no relationship whatsoever with XXXX. Therefore, they can not be the " original creditor '' in three alleged debts. I believe this is an attempt to re-age these alleged debts so that they remain on my credit reports longer than is permitted by the Fair Credit Reporting Act.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I had a credit card account through XXXX XXXX XXXX that was closed in XXXX of XXXX. It was reported on my credit report that I was over 120 days past late in XXXX but my XXXX XXXX Checking Account Statements reflect that I made payments within these late time frames which should have brought the account back to current. The late payments that were reported to credit bureaus should have been removed. 

In XX/XX/XXXX, I initiated a dispute with Equifax to investigate the late payments and have them removed given I have records of payments to XXXX XXXX XXXX Equifax apparently did an " investigation '' and deemed that I was 90-119 Days Past Due in XX/XX/XXXX, 60-89 Days Past Due in XX/XX/XXXX, and 30-59 Days Past Due in XXXX of XXXX. This is not possible as I did not have the account in XXXX and it was paid in full when it was closed in XXXX. 

This incorrect information has dinged my credit score by XXXX points erroneously and is causing undue hardship on my life as I am trying to purchase a house and automobile. 

I called XXXX XXXX XXXX and spoke with an Account Manager who told me on a recorded line that there was no late payment history with me and that they last reported the account as Closed and Satisfied in XX/XX/XXXX. This completely contradicts what Equifax is reporting. The Account Manager told me that they would not have told Equifax the information that Equifax is reporting as it is not on their records.
Consumer complaint received 2022-09-14
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. (CA)

For several years I have asked the XXXX and XXXXXXXX XXXX  to verify the debt that is on my credit report. I have sent numerous letters and no one and send me a contract with my wet ink signature from these institutions. I have always mailed my letters to both the creditors listed above, and the big 3 credit bureaus, XXXX, XXXX and Trans Union. Mostly I called yesterday XX/XX/22 at around XXXX PST and had a lengthy discussion with XXXX in XXXX XXXX. She was not able to verify or articulate how these accounts, that I have been disputing for years, were verified. I ask her to provided me with the same instructions I have asked the creditors, to provide me with a contract with my wet signature on it and they have never produce it. 

XXXX {$15000.00} -Acct # XXXX XXXX {$4700.00} -Acct # XXXX XXXX {$5100.00} -Acct # XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titanium Funds (UT)

Back in XXXX I financed a vehicle through Titanium Funds in Utah. After 2 years of on time payments I fell on hard times and the vehicle was repossessed. They resold the same vehicle less than a month later as it was parked across the street from my house and the key fob I had still worked, I talked to the new owner that got it through the same dealership and finance company and gave him the extra key. To this day I'm still being garnished for that vehicle, they have collected over {$12000.00} from me, and XXXX know what they have collected from others on the same vehicle. My biggest issue is on the only credit report of mine it shows on, the last balance they reported in XXXX of XXXX was less than {$3000.00}, but on the garnishment paperwork they are wanting to collect over {$5000.00}. My most recent check stub shows I have paid just over {$2000.00} and there should be only 1 more payment to be taken. I fear they are going to keep collecting as much as they can. Please please help me put a stop to this.
Consumer complaint received 2022-07-15
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear CFPB Representative, I am writing to you in regards to a dispute I have had with Capital One regarding a fraudulent online course purchase that I made on XX/XX/2023, using my Capital One credit card. I am hoping that you can assist me in resolving this matter. 

The online course was purchased for {$1500.00}, but it turned out to be a scam. I immediately contacted the merchant and requested a refund, but they did not respond. I then filed a dispute request with Capital One and provided plenty of evidence to support my claim, including the fact that the online course access was removed from me even though I paid for it. 

Despite my efforts, Capital One has denied my dispute and closed the case, stating that I need to contact the merchant directly to resolve the issue. I have already tried to contact the merchant and have not received any response. 

I believe that Capital One is not fulfilling its obligation to protect its customers from fraudulent merchants. I am seeking your assistance to resolve this matter and to ensure that I am not held responsible for this fraudulent charge. 

I would appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and consideration.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (LA)

I was with chime for a very long time tge froze my account saying suspicious activity, I sent them all the documentation they had asked for and they keep asking for more. I have asked them to close the account and return my money and they will not do it. It has been almost a month and they have my XXXX and something dollars tied up and wont release it to me.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (IL)

I signed up for {$69.00} a month credit repair help I paid my first month on XX/XX/ I called them on the XXXX and canceled because they werent doing anything to help my credit and I didnt want to pay the other {$69.00} for the next month. She told me I could cancel but I would be responsible for {$100.00} invoice When I asked why she said my service was actually {$130.00} a month the XXXX I paid for the first month was an entry fee I asked to take it higher to appeal it and she said she couldnt
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2023-03-30
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: 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. 

XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, 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 2024-12-19
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (IN)

This has been a ridiculous and ongoing problem with XXXX We cancelled our internet. We returned all material ( Routers ) as required. They closed the account. We received a statement showing XXXX balance. XXXX then sent us a bill for unreturned router. We contacted them numerous times. We were told they would take care of the matter, numerous times. Then, XXXX charged our credit card for funds owed. I disputed this with the credit card company and won the dispute. I received a letter dated XX/XX/XXXX from our credit card company informing me that " Your account has been credited. We're pleased to tell you that we've resolved your dispute. Transaction Post Date XX/XX/XXXX. XXXX XXXX XXXX*AUTO PAY. XXXX XXXX {$XXXX} '' After that, XXXX referred us to a collection company, XXXX XXXX XXXX. I responded to them via certified mail with return receipt ; XXXX XXXX XXXX XXXX, article number XXXX XXXX XXXX XXXX XXXX. We haven't heard anything since receiving the return receipt date stamped XX/XX/XXXX. Then today, our bank notified us of a negative report on our credit report by XXXX XXXX XXXX for XXXX. Our XXXX XXXX dropped from XXXX to XXXX in XXXX day because of their actions. Why? Why did they file this and damage our XXXX XXXX?! 

Please advise me what to do. XXXX and XXXX XXXX XXXX have harmed our XXXX XXXX. We returned the router. ( The router is not worth {$XXXX}. ) I believe that XXXX and XXXX XXXX XXXX are blackmailing us, pay up or we'll destroy your credit.
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (FL)

Was charged way too much for a vehicle, so much so I'm currently upside down on my payment and unable sell or refinance my vehicle to lower the payments. Had to wait over a 120 days after my loan was paid off to receive my refund for the gap insurance. Was constantly given different information every time I spoke to someone and customer service was terrible! 
Never receive a bill, had to call to inquire on how to make the payment. The whole experience was so awful I refinanced my vehicle after 2 months.