davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CLGF Holdco 1, LLC (CA)

The company Indigo called my place of employment and told my employees that they have legal documents for me and that they need to get in contact with me. They left a number with the attendant to have me call them back. When I called the person switched me to my case manager who tells me that in XXXX I applied for a card and stop making payments and asked what was the reason. The person then continues and says that I defrauded this company for {$740.00} and that legal actions is being taken against me. He ask me what actions do I want to take to resolve the account. I responded to him that they are not supposed to be calling my place of employment. I requested his name which was XXXX XXXX. His number which was XXXX. I told him Im documenting the day of XX/XX/XXXX as the day this happened. I also documented the name given to my attendant which was XXXX and the number is XXXX. I told the man on the phone that Im going to take legal action. They called my place of employment as a scare tactic to force me to pay. In doing so, now have my employees gossiping about my legal issues which damage my reputation as a manager. Im hoping I still have a job after this. All for {$740.00}.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-21
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. (TX)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-21
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. (CA)

Equifax has violated its privacy policy furnishing false information on my credit report with out my consent. breached my information and furnished a fake score which resulted in higher interest rates, and denied credit these accounts are being reported as a result of identity theft and i want them removed immediately as well as compensate me for the damages that ive suffered because of their negligence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rediculous amount of inquiries on my report i never authorized or consented to need to be removed
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been disputing several negative elements of my credit for more than 90 days and I have not obtained any result or response from the credit bureaus. I am trying to fix my credit because I want to buy a house, however the bureaus have been very irresponsible with my case.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates, LLC sent me a false and deceptive letter attempting to collect an alleged debt. The alleged debt is not verified nor is it validated. The alleged debt is listed as a positive number. I have not relationship whatsoever with this company. Where does this alleged debt claimed by Portfolio Recover Associates, LLC fall under UCC 9-110 under Article 2 or 2A?
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sezzle Inc. (IL)

I contacted this agency and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws. Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : XXXXFederal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX, I noticed a collection on my credit report. The collection agency is MCM. I have already dealt with identity fraud and stressed out to even open the mail. It is like nothing I do will correct this. Contacted company XX/XX/XXXX. Even though I paid the amount requested, called to find out there was no remaining balance, only interest, and late fees accruing on the interest. Talked to XXXX XXXX. She was rude, would not tell me any balances. She finally told me I did pay the balance, but I did not pay it in time. I remember talking to someone to tell them I was paying the balance. It was around {$300.00} or something like that. Why would I pay a {$300.00} balance if it were not on the statement or I was told that was the balance. In the middle of the call, a man named XXXX got on the phone, said he was supervisor. He was unethical, refusing to allow me to speak, even though I called them. I even offered to pay the {$50.00} " supposed balance, '' which I do not believe, and he refused to negotiate, even though this was already on my credit report, so I had nothing to gain. At first he refused to tell me if the balance was only for interest and late fees. He kept arguing with me, telling me it was all my fault for being irresponsible, totally inappropriate, giving scenarios of how homeowners credit worked? He said there was a balance of {$50.00} ; in XXXX accrued late fees of {$40.00} ; XX/XX/XXXX, accrued {$38.00} late fees, {$2.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XX/XX/XXXX late fees, and then they stopped the interest and late fees. He refused to give me the date I paid it off, refused to answer question of whether this amount owed is only interest. Brought up scenarios about owning a house, had nothing to do with bill. He could have negotiated this, but instead he kept arguing with me, not any way to collect a debt I have ever heard of. I do not believe him, I think the balance was paid in full and he was just trying to collect more interest and late fees. The whole thing is frustrating and stressful. I was trying to make it right, but he was just being ridiculous. I am a grandmother raising my grandchild and we have had some pretty tough times, but this man was totally unprofessional and he did not in any way even remotely try to come to any reasonable settlement, even though I already paid the balance. This is so unfair.
Consumer complaint received 2022-06-10
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. (FL)

I submitted an inquiry for a personal loan with XXXX XXXX XXXX. The bank advertised that there would be no hard credit inquiry with no impact to your credit score. I did this because I wanted to review my loan options without impacting my credit score. Therefore, I was deceived by XXXX XXXX.
Consumer complaint received 2023-12-29
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. (MO)

I am writing to file a formal complaint regarding the persistent presence of fraudulent items on my credit report. Despite numerous attempts to rectify the situation, I have encountered significant challenges in removing these inaccuracies, which are adversely impacting my creditworthiness and causing undue stress. I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the ongoing issue of fraudulent items on my credit report.. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KY)

After the vehicle was repossessed, Nissan Motor Acceptance XXXX ( NMAC ) failed to provide us with the proper redemption options in writing... prior to the sale of the vehicle. 

Additionally, NMAC also knowingly failed to properly sell the vehicle within the time frame mandated by both state law. 

And, in doing so... has continued to violate consumers ' rights by falsely reporting a balance as PAST DUE after failing to legally provide me with proper redemption disclosures before the sale took place & also failing to dispose of the vehicle as required by state law. 

And, finally ... NMAC has also continued to falsely report a past due balance even after already selling the debt to a 3rd party debt collector and/or authorizing a 3rd party debt collector to collect the debt on its behalf ... which should be invalid anyway, due to NMAC 's failure to provide proper redemption paperwork prior to the sale and/or disposing of the vehicle in a manner which violated one or more of Kentucky state law.
Consumer complaint received 2023-12-29
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)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety. I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, at approximately XXXX XXXX I logged into my Bank of America ( BofA ) account to pay my credit card. Even though my due date was not until XX/XX/XXXX, I wanted to get it done before the XXXX. After I review my account, I proceeded with the payment, received a confirmation of the payment on the screen, logged off, and moved forward to start my labor day weekend. In the meantime, I also confirmed some " no fraud '' activities that the bank was concerned about a few days ago. 

On XX/XX/XXXX, I received an email from my financial advisor that I'd been charged a late fee of {$25.00} from BofA. I logged back around XXXX am on XX/XX/XXXX, and I noticed that the payment I submitted on XX/XX/XXXX, was actually canceled without any explanation. I never received an email after I submitted the payment, that my payment was canceled, and was simply charged a {$25.00} late fee. 

I first called my financial institution ( XXXX XXXX XXXX ) to see if the problem was on their end, but they confirmed that everything is fine with my account. 

Shortly after I called BofA customer service and at first they did not know what was the problem, but immediately blamed me that I canceled the payment. When I asked to discuss this further with their managers, they kept shifting me to another person, who was reading a script to me about " the late fee is valid '' ; however, they could not find any written verbiage in their terms and condition that described my situation. After speaking with 4 different people, and never the manager, and spending XXXX and XXXX minutes on the phone, I was exhausted, and could not believe that we spent XXXX on the phone. 

In this case, I feel that my XXXX  been inappropriately taken without any further explanation, and I feel they stole from me. I have 8 credit cards and never had any issue with any financial institution before, and I feel BofA does not care about their customers, and can't believe they can take money from a customer account just like that.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Skrill USA, Inc. (PA)

This is a follow up to complaint XXXX submitted on XX/XX/year>. 

The company requested a statement in order to release my funds on my closed account. I sent the statement on XX/XX/year>, but they've stopped responding.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have requested transunion and XXXX to look into the XXXX funding collection on my report. XXXX deleted both of these accounts due to being unable to verify but these two are refusing to properly verify. I had all three times requested VALIDATION of these accounts. By law I am entitled to see how they validated these accounts as well as to have fair and accurate data reported. To date both companies respond verified which does not show how they validated. I want to see a contract with my signature on XXXX letterhead showing I owe them. On top of this both companies report different information on the account XXXX vs XXXX. My second XXXX account of XXXX shows individual owes but yet if they would of validated as I requested they can see it was NOT my debt ever! 

I am including a copy of last correspondence to show proof of inaccurate information being reported. 

XXXX already deleted BOTH accounts due to no validation. Follow suit.
Consumer complaint received 2022-06-08
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: CCS Financial Services, Inc. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 CREDIT COLLECTION SERV # XXXX ( XXXX  ) 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I saw I had a collection with a company that I never did business with. Once they sent me paperwork, I contacted XXXX XXXX ( Manager at XXXXXXXX XXXX XXXX  apartment and paid debt to original creditor. ) I do not owe this collection agency anything as the debt is not theirs. I signed no contract with said company and paid the original creditor XXXX Dollars. This is a violation of my rights.
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (IL)

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. This collection found within my credit report 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. 
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Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (CA)

Shellpoint provided misleading information and did not provide any consumer alerts for forbearance to be managed correctly. 

The told me over a call forbearance would be for 6 months. 
Then i get a 60 day late XXXX & XXXX Previously I had done the 6 months and all of a sudden it was 3 months. 
No email. 
No calls from account manager or bank.

No clear communication giving me an opportunity to manage my account. 
Mortgage statements did not come or they were also misleading showing all LATE so wether i was in good standing or not showered late so I couldn't tell when I really was I have been frighting with mortgage company about the unfairness, i have disputed with credit bureau but my credit was still affected. 

Now, I see there is a lawsuit that has been settled for the same reason I am claiming. 
- misleading information - violation of the Fair Debt Collection Practices Act ( FDCPA ) and the California Rosenthal Act