davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

TODAYS DATE : XX/XX/XXXX JXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXXXXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

XXXX, XXXX SOC SEC # XXXX  DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX LAW OFFICES MBA XXXX LAW OFFICES MBA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LAW OFFICES MBA XXXX  LAW OFFICES MBA XXXX   I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX   XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
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. (NC)

This company is reporting inaccurate account in my credit report, I have paid off my account from them and I noticed that there are some late payments, I tried to verify it this company but get no response. The late payments is reflected differently across the different bureaus. This is a clear violation of my FCRA.
Consumer complaint received 2022-06-17
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. (MI)

On XX/XX/XXXX I sent a letter to Transunion requesting a method of verification for a bankruptcy listed on my credit report. 
On XX/XX/XXXX Transunion responded with a letter stating that the bankruptcy was verified as accurate, but not how it was verified or who it was verified through. 
On XX/XX/XXXX I sent a letter to Transunion again asking them to provide their method of verification on the bankruptcy listed on my credit report. 
On XX/XX/XXXX Transunion responded stating the bankruptcy was verified by the bankruptcy court. 
I then went to the bankruptcy court and they stated they do not report bankruptcies to credit bureaus. I received a letter stating this for proof to send to Transunion. 
On XX/XX/XXXX I sent a letter to Transunion with the enclosed letter from the courthouse stating the bankruptcy was still considered unverified as the bankruptcy court did not verify the item as Transunion had said. 
on XX/XX/XXXX Transunion responded stating the bankruptcy was still verified by the bankruptcy court.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

Made a payment to my American Express Card on XX/XX/XXXX. The payment was for the total balance reflected on my credit card account, which I checked and paid online that day, and the TOTAL BALANCE of the account was {$18000.00}. Which I paid all of it. I then went on to put new charges in the account, and those new charges amounted to {$5500.00}. Besides these charges, I was charged a annual fee of XXXX and interest charges in the amount of XXXX. 

I use a feature called pay over time. In this feature, all charges over 100 dollars would be eligible to be payed at a later time, accruing interest agreed upon in my contract. 

To my surprise, when the next bill came, my minimal balance was {$3700.00}, over 50 % of my total new charges. In all my previous statements, even carrying high balances, my minimal payments never went above 1500.00, and never more than 10 % of the amount due. 

The more alarming thing is that the amount for the new minimal payment is almost exact the amount of the 2 purchases made at the same store : XXXX  XXXX. I made two purchases on that store in the amount of {$3700.00}. I am a first time XXXX  buyer, and I exercised my constitutional right to purchase two XXXX  and ammunition. At no instance the purchase was flagged, or any communication took place between myself and AMEX on any changes for my purchasing power or eligibility changes for the paying over time feature. 

In questioning American Express, they could not answer my question regarding what happens when I pay my balance in full. They " explained '' to me that making purchases after I payed my balance in full made their system apply my payment to the new charges, generating more interest. I profusely protested this, but they said that this is how the system works. 

So please help me. When a consumer pays a bill in full, what does that mean? To me, once I paid the bill in full, new charges were just that : new charges. I made a payment, on time in XXXX of XXXX, almost half of the new charges, and American Express says that my account is delinquent because I did not pay the " new '' minimal amount due of {$3700.00}. Amex is reporting this to the credit score agencies, are charging me interest that is abusive and I also have late fees in my account even though I paid on time ( payment was done on XX/XX/XXXX, when it is not due until XX/XX/XXXX. I have all documented. Please help me. As you will see in the statement from XX/XX/XXXX attached here, they do not zero my balance once I paid on XX/XX/XXXX. They considered all the charges of the month, despite the fact that I paid the balance in full on XX/XX/XXXX. And everything after that is a new charge from an account that was brought to paid in full with a XXXX balance.
Consumer complaint received 2020-04-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc. (GA)

I have a letter from the attorney of Consumer Portfolio Services stating Consumer Portfolio Services would discontinue pursuit of the debt. The company stated they stopped reporting years ago. However, on XX/XX/2020 it shows still being reported as owed debt. This is stopping me from purchasing a home.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX You are reporting false information. I requested an investigation be done, and its obvious that you did not use the maximum possible accuracy or procedure to create the maximum possible accuracy. I gave you the account number and the problem thats being reported on my credit report when its not my debt. I asked you to do an investigation since XX/XX/XXXX I've called and spoken to you guys several times and just end up on the phone with people who arent willing to help and do their jobs. it's unfortunate to keep dealing with this nonsense. Your investigation was done in an improper manner. You were negligent in your investigation. Your whirlpool in your investigation and you're leaving me with false credit reporting. I'm protected by law according to FCRA, 15 USC 1681. I'm entitled to take legal action against you for doing a lousy investigation. A real investigation means you review documents, you talk to people, and you do whatever a reasonable investigation would require to get to the truth. I am XXXX XXXX, stating that the accounts you are reporting are false and do not belong to me. You're violating my rights according to the FCRA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You stated the account was verified, but how is that possible if you did not do a proper investigation according to the law? Also, every piece of information on this account is still not 100 % accurate because this DEBT does not belong to me and, according to the FCRA, 15 USC 1681, everything has to be 100 % accurate. The Fair Credit Reporting Act ( FCRA ) has very favorable damage provisions for citizens of both negligent and willful violations. FCRA 1681o applies to negligent violations of the Fair Credit Reporting Act
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I deposited XXXX XXXX  checks from XXXX XXXX XXXX  into my Wells Fargo checking account. I am currently leverage very high ( my own fault ) and needed additional funds. I called Wells Fargo on XX/XX/XXXX and XX/XX/XXXX to see if the deposits had cleared. I was assured by someone at Wells Fargo on the evening of XX/XX/XXXX they would be cleared. To be certain, I logged into my Wells Fargo account the morning of XX/XX/XXXX to see if those deposits had clear. The deposits were no longer listed on hold and my available balance had increased to over {$4000.00}. I proceeded to make payments to many of my credit cards to begin to bring down the amount of credit I was using. I am trying to consolidate four student loans ( {$21000.00} ) because I am eligible for full forgiveness ... but the loans must be consolidated. After XXXX XXXX XXXX  that day, I returned home to discover my checking account was now more than {$1000.00} in the red. Two phone calls to Wells Fargo lasting for about three hours ensued. During those phone calls, two different people including the Wells Fargo employee ( called XXXX for privacy reasons ) stated the deposits had cleared that morning ( XX/XX/XXXX ). I stated that once a deposit or check had " cleared '' then the money had official changed hands and that Wells Fargo had committed grand theft by removing those funds from my balance. Failing to convince Wells Fargo they had committed what arguably is a felony, I then called XXXX and asked them to stop payment on the two checks I had deposited with Wells Fargo. I called Wells Fargo again on XX/XX/XXXX and again struggled to find someone with enough authority to talk to me about fixing this problem. I terminated the call after several minutes of " dead air '' with no one responding to me. I do not know if they hung up on me or if they put me on hold without my knowledge. I also requested a complaint be filed against XXXX for the way he conducted that phone call.
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MO)

On XXXX XX/XX/2022, I spoke w/ XXXX from XXXX XXXX bill from debt Collector, Radius Global was paid at XXXX site in person. I sent proof of payment to XXXX per XXXX 's request. I sent a debt validation letter to Radius Global on XXXX XX/XX/2022 & they received the letter on XXXX XXXX giving them 30 days from receipt of letter to VALIDATE per CFPB, with specific documentation ; which they failed to do. They sent a VERIFICATION letter & copy of HEALTH INSURANCE CLAIM FORM which violates HIPPA b/c it has my diagnosis on the form without my signature. Also ignoring verification anything within the VALIDATION letter per Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692G SEC.809 ( b ) I've also contacted XXXX XXXX Privacy & Security Hotline regarding gross violation of my HIPPA Rights.
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I responded to email offers from CAPITAL ONE BANK. The emails offered up to {$35000.00} to purchase a car. Then, I received promotional mailers from a local car dealer. That dealer eventually made me believe that I was purchasing a car through a loan by CAPITAL ONE, which was false. I signed a RETAIL INSTALMENT SALES CONTRACT ( " rRISC '' ), which is not a loan agreement. I never received any money from CAPITAL ONE. I never received any advancement of money from CAPITAL ONE. But, CAPITAL ONE relentlessly demands that I confess that I owe CAPITAL ONE for a loan originally for {$17000.00}, but now CAPITAL ONE is reporting to the credit bureaus that I owe over {$20000.00}. It appears that CAPITAL ONE gave the dealer a loan to finance the dealer 's purchase of the car by paying off the {$6000.00} original lien, and then the dealer assigned the RISC to CAPITAL ONE as security for that loan. The car, a XXXX XXXX XXXX XXXX, was delivered to my driveway by dealer personnel that same day. The car had a bad engine that was subject to a recall by the manufacturer and a flat tire. The car is also subject to a subsequent recalls including because of the gasoline pipes in the engine therefore I have not driven it anywhere. I have not received a valid TITLE from the New Jersey XXXX XXXX XXXX ( " XXXX '' ). In fact, the most recent XXXX report on the car ( attached ) does not show that transaction of XX/XX/XXXX. It only shows that a new owner acquired a valid TITLE on XX/XX/XXXX, which " new owner '' is the dealer that allegedly sold me the car. NO OTHER " NEW OWNER '' EXISTS IN THE XXXX REPORT NOR AT THE XXXX. Apparently, the dealer reported the transaction to the XXXX s a lease, not as a purchase. The only assignment of a valid title concerning the car was signed by the dealer on XX/XX/XXXX as purchaser. I filed a lawsuit in Federal District for the District of New Jersey CASE XXXX. The arbitrator nor the district court judge wants to enforce the law. Instead, they are disrespecting the law and blaming and threatening me for filing the lawsuit allegedly in bad faith.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (AZ)

I initially applied for an Indigo Card through Genesis bank. I never received the card and I advised them of this. I was told they would send me a new card. I never received it. There was a purchase. made on the card. Genesis responded and sent me a letter advising that I do not owe anything for the account and am not responsible. The account shows closed on my account and should actually be deleted. Regardless it has now been sent to XXXX XXXX XXXX as they bought it as a charge off. On XX/XX/XXXX I sent a copy of the letter from Genesis saying I am not responsible to XXXX XXXX. Today I received an email from XXXX Oaks via email saying the charges are valid. I spoke to a manager today and he said I am responsible. I am not responsible. 
Please see all attachments.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition they are violating my Ferpa rights in sharing my medical information without my consent.
Consumer complaint received 2022-06-17
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: Bread Financial Holdings, Inc. (AL)

COMENITY BANK/LNBRYANT XXXX XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.