davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Against Collections on My Credit Report To Whom It May Concern, I am writing to formally dispute the collection accounts reported on my credit report, as they are inaccurate and violate consumer protection laws. Below are the specific accounts in question : Account Name : Credit Collection Servic Account Number : XXXX Creditor : XXXX XXXXXXXX XXXX Date of Collection Entry : XX/XX/XXXX I am disputing the legitimacy of this collection entry based on the following violations of federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-5 2 ( 7 ) ( a ) : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to Provide Accurate Information This section requires that all information furnished by a debt collector to a consumer be accurate and complete. The collection agency has failed to provide accurate details related to this debt, such as the correct amount owed and the history of payments, leading to an incorrect reflection on my credit report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to Disclose the Right to Dispute This section mandates that the debt collector must clearly and effectively disclose the consumers right to dispute the validity of the debt. I was not properly informed of my rights as a consumer to dispute this collection account in a timely manner, which violates the legal disclosure requirements.

3. 12 CFR 1006.34 ( d ) - Insufficient Validation of Debt The collection agency has not provided sufficient and complete validation of the debt, as required by law. As per this regulation, all debt collection efforts must be supported by appropriate documentation, and the information provided to me lacks the necessary detail to verify the legitimacy of this debt.

4. 15 USC 1681-5 2 ( 7 ) ( a ) - Outdated and Inaccurate Reporting According to this statute, credit reporting agencies must not report inaccurate or outdated information. The information reported by the collection agency is not only inaccurate but also may be outdated, which further violates the Fair Credit Reporting Act ( FCRA ).

Action Requested : I request that the Consumer Financial Protection Bureau investigate this matter and remove the inaccurate collection entries from my credit report. I expect that these violations be addressed, and the collection account in question be removed as it fails to comply with consumer protection laws.

I am revoking all rights of them communicating with me via Call/Text/Email . 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (LA)

In accordance with the fair credit reporting act XXXX  Account # 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 : its also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX website has been down for days as well as the phone lines having a recording stating that they are unable to access accounts and to call back for days as well. They do not have an email that I can reply to which I get my statements from but can not reply. Since I can not make a payment, they are now reporting me as delinquent. 
There is absolutely no way to make payment online or over phone, I have called numerous times, and today the number states that company is closed and I called at all different times to cover all US time zones. I called XXXX as well as XXXX and recording states they are experiencing system issues.
Consumer complaint received 2024-12-03
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (MD)

Harris and Harris have called nonstop in reference to a debt owed by my husband. They have made contact with my husband and call his phone on a daily after they were asked not to call. They have also contacted me, and I told them to put it in writing. Today XXXX my XXXX  child was at school and received a call from Harris and Harris telling my XXXX  child to have her dad contact them. My daughters phone number is not on the account and is not in my name or my husband 's name, so I don't understand how they receive this information. I asked for something in writing, and they said they mailed it out is XXXX. We never received anything, and this is getting to be a lot for a small debt that I could take care of after the holidays. The debt they are saying that is owed is also the wrong amount.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-12-03
Product: Credit 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. (TX)

Made a purchase for a service in advance and cancelled within the terms for a refund. Even though I recieved an email from the business stating I am owed a refund, and the emailed return policy states I could be refunded, but citi bank still sided with the business. The business now states I was " already refunded through dispute '' but I haven't recieved anything back on my card.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I opened my account XX/XX/XXXX and have my direct deposit from my job go in. They put a fraud alert for me buying XXXXXXXX XXXX sneakers and spending XXXX XXXX at XXXX XXXX. As of today XX/XX/XXXX my account is restricted while they investigate fraud and I can not access my funds that were direct deposited today. When I asked why its suspected fraud they refuse to give me an answer.
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The branch manager XXXX XXXX at XXXX XXXX in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company XXXX XXXX in XXXX, TX and their banking XXXX XXXX Bank XXXX XXXX, TX have made me, the victim, responsible for XXXX Bank passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XX/XX/year> Hey Credit Transunion, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation or the tair credit reporting act. 

Account XXXX : XXXX / Account XXXX : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Thank you for your time and attention! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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. (LA)

Over the past year I have been sending letters and calling XXXX, Transunion, and XXXX about inaccurate information that is being reported in my credit file that is re-aging the account. I have asked them to send me their method of verification after sending me letters saying " verified as accurate '' all they do is send me the same paperwork over and over saying it was " verified as accurate ''. I called XXXX on XX/XX/XXXX the Rep said that the account has been removed. I called back on XX/XX/XXXX and spoke to XXXX to ask for proof of removal to be mailed to me and she stated that " the account is still in my credit file ''. She told me my only option was to call XXXXXXXX XXXX every month and ask them to close the account. I explain to her that this account has been in charged-off since XXXX but the company keep reporting it as " open '' and " closed '' at least twice a month making the account appear new. I have sent in proof that the date of last delinquency was inaccurate across the credit bureaus how could they be verifying if they all have different information? On some months XXXXXXXX XXXX reports that my payments are on time and some months they change it to report that I am 65 months past due and some months I am 40 days late. There is no way that these credit bureaus are verifying inaccuracies. This account is almost 8 years old but it is being allowed to be illegally re-aged because the credit bureaus are not doing what they're supposed to.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (FL)

Involves XXXX and XXXX card. since XXXX XXXX! I call XXXX I get an all clear, and no balance to my XXXX card, and I call XXXX -- -- -- -- -- they say prove it? I have many times over, since Monday of this week even, I mailed them a tracking number from where it was picked up by XXXX XXXX XX/XX/XXXX! They have everything? I mailed and kept a photo of returned rec'pt for XXXX, Tracking number # XXXX XXXX XXXX XXXX XXXX. Mailed to : by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX. The man ( XXXX driver ) says that picked up, don't seal it I will do it. so I did not. The amounts were {$130.00} and also {$26.00}. 

Ever since I have spoken to each and every representative from XXXX says prove it? We are not going to look for it! Then they gave the claim numbers of # XXXX & c # XXXX. Most hang up and say : pay it. we are not looking for it okay? we are reporting you -- -- -- -- -- -- -- - I am a very long time consumer with XXXX card. XXXX XXXX, Florida. I am so angry about this. They don't care, I have the account with XXXX frozen too. ever since. Please help I have reported each credit bureau too.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late. 
Bank Processing Error : There was an internal error at XXXX XXXX  that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXX XXXX  acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXX XXXX  immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXX XXXX  as further evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-11-02
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. (NC)

On XX/XX/XXXX XXXX reported to Transunion that I was late on a payment either in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. XXXX originally had removed these late payments due to an error. As of yesterday that added these late payments back to my credit report even though the date range is from XXXX and XXXX. They should not be able to add late payments from almost 2 years ago on my credit report especially since they were already deleted from my XXXX  report. This is an unfair and unacceptable practice.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (VA)

I am demanding removal of this collection from Caine & weiner. My debt is not with them. I do not owe them the {$510.00} that is reflected on my credit report and it is deeply impacting my credit score. Caine & weiner claims that the debit is from XXXX, but can not show proof that I owe them this debt or that I have ever had any contractual obligations to them.
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello, Paypal freeze my account for 180 days and then decided to take my balance at the end ( XXXX $ USD ) because they said i used my account for gambling, i was using an online know website for gambling and they were using paypal as a withdraw option. How as a customer am i supposed to know that gambling is not allowed on Paypal? They did not give me a notice or a warning or anything, they directly decided to freeze my account and they took my money
Consumer complaint received 2021-11-02
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: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-02
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. (WA)

I want to point out every complaint I have done with Experian they have need followed the law. It states that Provide its reinvestigation findings to the consumer. After completing or terminating a reinvestigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ).

I am never told the procedures used in the investigation only that it came back verified or accurate. I dont believe an investigation ever happen and Experian can not prove that it did.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

I have had a checking account at Citibank for more than 2 years. In XX/XX/2021, I made a transaction through citibank with XXXX, an agency managed by XXXX. in less than an hour cancel the transaction. XXXX never reimburses me part of the money. I made the claim with them without results. They never responded. They tell me the money was refunded and they didn't send me a refund receipt. Then I started the claim with citibank and even to date I have only been able to recover only half of the missing amount. citibank asks me for documents that I have repeatedly sent them. and they don't give me my money back. I don't know where my money is and nobody knows where it is. What else can I do?
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2 (GA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PERSOLVE , LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Around XX/XX/2021, our apartment complex 's mailboxes were broken into. My rent check for my landlady ( worth {$2000.00} ) was in the mailbox. One week later, I discovered that the check was not received by my landlady, but her signature was forged on the back of the check, and the thief cashed in to another bank account in the Chase Bank system via mobile app. 

I visited the XXXX XXXX Chase branch in XXXX on XX/XX/2021 over this case of identity theft for a transaction via online bill payment check worth {$2000.00}. The recipient of this online bill payment, my landlord, never received my check, and after closer inspection, whoever had cashed in that check forged the signature in my recipient 's stead. I was told to wait three business days, and Chase would call me back by then. However, I received no further correspondence after that. I then visited the Chase Bank branch in XXXX XXXX, CA in XX/XX/2021, where I was told to wait 30-60 business days for a response. I received no such correspondence. I also filed a report with the local police, per Chase 's instructions. 

I re-contacted Chase on XX/XX/2021, and was referred to the Customer Claims team. I was once again told to wait up to the full 60 days. I waited until XX/XX/2021, which over 60 days since I filed the complaint for the stolen and forged check. I was once again referred to the Customer Claims team, who hung up on me. On XX/XX/2021, I contacted Chase Customer Service one last time and was told to wait 1-2 business days for a response. I have received no response at this time. My rent has been due for over three months, and the reimbursement of the stolen {$2000.00} check is still yet to be seen. 

I have attached a scanned receipt of the stolen check. The signature on the back of the check is a forgery.