davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MI)

To Whom It May Concern : This letter is in regards to the account number listed above which you claim has ( specific negative condition ). I hereby notify you that your claim is disputed, and I am requesting complete validation per the Fair Debt Collection Practices Act.

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past.

The letter also serves as your notification that I am disputing this alleged ( specific negative condition ) with all credit bureaus where it has been listed. Per the Fair Credit Reporting Act, any debt which can not be property validated may not be reported to any credit bureau. 
Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws. 

If I do not receive a response from you regarding your claim within 14 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA. 

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight. 

Thank You, XXXX XXXX
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (IL)

THE BUREAUS, INC IS NOT IN COMPLIANCE WITH THEIR CODE OF FEDERAL REGULATIONS 12 CFR 222.42, 12 CFR 1006.30 ( b ) PUT IN PLACE BY THEIR REGULATORS, THE CONSUMER FINANCIAL PROTECTION BUREAU. THEY ARE NOT ACTING IN ACCURACY AND INTEGRITY BY CONTINUING TO FURISH AND COLLECT ON A FRAUDULENT ACCOUNT. 

The Bureaus Inc states that they are a licensed collection agency in the state of Illinois by attaching a license with the name XXXX XXXX XXXX XXXX XXXX THE BUREAUS INC. When searching XXXX XXXX XXXX XXXX in the Illinois Department of Financial and Professional Regulation database The Bureaus Inc is not listed as a XXXX XXXX XXXX XXXX XXXX XXXX ( find evidence below ), surely the Illinois Department of Financial and Professional Regulation are capable of including that XXXX in their online database. 

12 CFR 222.41 ( a ) ( 3 ) states information that a furnisher provides to a consumer reporting agency must identify the appropriate consumer. I have informed The Bureaus Inc that this alleged account is a result of identity theft in accordance with 15 USC 1681c-2. The Bureaus Inc previously stated in a CFPB response If this account was opened fraudulently, the account would have charged off 180 days after the account was opened and likely the bills would not get sent to XXXX XXXX correct address. THESE BILLS WERE NOT SENT TO MY CORRECT ADDRESS. The address on all of the statements and documents in the binder The Bureaus Inc continues to attach is NOT my address, I dont know whos address that belongs too. Please find the address highlighted on XXXX of the statements The Bureaus Inc attached and my correct address is connected to my Consumer Finance account and I have also sent correspondence to The Bureaus Inc from my correct address..

12 CFR 1006.30 ( b ) ( 1 ) Official interpretation 2. Debt that resulted from identity theft quotes 15 USC 1681m ( f ) ( 1 ) and states that no person shall sell, transfer for consideration, or place for collection a debt if such person has been notified under section 605B of the FCRA that the debt has resulted from identity theft. And pursuant to 15 USC 1681m ( f ) ( 2 ) it states The prohibitions of this subsection shall apply to all persons collecting a debt. The Bureaus Inc continues to place the alleged debt in collection and it has been notified that this alleged debt is a result of identity theft. Please find my Federal Trade Commission Official Identity Theft Report attached. This account is a result of identity theft, act in integrity and accuracy and terminate all further collection efforts and stop violating federal law and the code of federal regulations your regulators put in place.
Consumer complaint received 2022-01-05
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: Bread Financial Holdings, Inc. (TX)

Commenity bank has been inaccurately reporting information on my credit report. They listed several accounts twice on my report and placed them as charge off even though I stated they were not m accounts. I constantly ask them for proof and they can not submit accurate proof these are my accounts. I have disputed them numerous times with no response. Only two accounts were actually my accounts. One account was for XXXX and XXXX which has been paid over 2 years ago. I have been fighting with them for two years to have it reflect in good standing. That account was in good standing and was paid in full. The next account was for XXXX. I paid this in full and they still show it negatively on my report. Multiple letters have been sent to commenity to resolve this over the past two years and nothing has been done. My next steps are to seek legal counsel if these items are not removed immediately. Anytime I see a company uses Commenity bank, I deny their card. i refuse to do business with these people. They sell your information and illegally pad your credit report with false information. They even went as far to involve XXXX credit, who has harassed me and threatened to take my home and my car. They call 20 times a day. I have phone bills showing this. They threatened to garnish wages even though i told them the accounts were not mine and they sent me a picture of a bill saying that it was. i told them a bill does not show proof an account is mine. My signature was nowhere on the bill or their paperwork.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ERC (CA)

This account is currently in litigation and has been for several months. XXXX XXXX XXXX allowed someone to create another line in my name and get a phone not once but multiple times. Identity theft. I have reached out to XXXX XXXX XXXX  to resolve issue but Ive been threatened by them for non payment. I reached out to a lawyer and the account is currently under litigation.
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

My name is XXXX XXXX XXXX XXXX my loan number is XXXX company is selene finance my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX phone XXXX my date of birth XXXX. My complaint is that I made a trail payment for XXXX thru XXXX for XXXX on XX/XX/XXXX the reference number is XXXX that should cover for XXXX. The problem here again is that selene finance has not yet updated their computer systems as they claimed. Before. I called them on XX/XX/XXXX and ask them if I'm on a trail modification payment plan the response was that they don't show any modification and that they don't see my XXXX payment of XXXX so when I gave them the money gram information all of sudden they told me that the supervisor is going to make sure that the computer systems is updated showing all the payments I made and that I'm also on a trail modification. I told the selene finance customer service rep that the system supposed into been updated when my loan was transferred from prior servicing to show that I'm on a modification. So I ask for supervisor and she claimed that they gave this to research to have this updated showing that I on a trail modification payment.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My debit card was stolen and I reported it the following morning using the automated text from the bank. They didn't block the card so it continued being used, so I used the email to block the card and was greeted with a page showing it was closed and a new one would be sent out. When I noticed it was still being used, I call to have it blocked and a new one sent out. It was still being used, so I eventually called and got the fraud department to open a claim and this finally blocked the card. They refuse to acknowledge they did not block the card appropriately when I reported it, and now are refusing to refund the money that was taken. When I re-opened the claim to be investigated with more information from my XXXX XXXX card ( showing I was not paying for everything in cash ), they then closed my account for " claim abuse ''
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (TX)

There are fraudulent accounts and inquiries done in my name i was mugged at a XXXX XXXX XXXX took my purse with my bill folder inside along with my driver license and social and the fraudster opened up accounts in my name and used fraud addresses in order to obtain credit in my name I have tried to  resolve the issue with the merchants but i was not successful.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (TN)

I have already filed a complaint with the CFPB which nothing was done and my rights have been violated in accordance to 15 USC 1681. This company has and still is reporting INACCURATE/INFORMATION! They are reporting a charged off account for a phone as a vehicle lease WHICH IT WAS NOT. They have violated TILA as well I was not disclosed the actual and correct price for the property. I have attached evidence in my last dispute. I have been denied a apartment for me and my kids to live and this has caused stress and anxiety trouble at home. The Fair Credit Reporting Act as put in place to protect consumer from instances like this one! They are now reporting XXXX on my credit report which is false and has caused STRESS!! This is not ACCEPTABLE for this company Acima to do what they want with disregard for the LAWS, RIGHTS of a litigious consumer. I will be exploring my options with an attorney as well. I hope the CFPB enforce the LAW this company has violated me to the upmost. I have attached copies. They have not responded to my affidavit which was notarized. The tracking # for the USPS is XXXX which you received XXXX XXXX @ XXXX.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

I logged on to the American Express website to make a payment only to be greeted on the landing page by a red warning notice " account closed ''. This was a big surprise after being a customer since 2004. Especially since I have always paid my payment or contacted them to inform if the payment maybe late. I called the customer service dept and was told I could apply for a reinstatement, but 6 days later I got a denial letter stating the only reason for a denial was my current fico score. Its currently at XXXX but was XXXX for many years and I pay my bill with the same integrity now as I did in the past. Whoever decided to close my account did so by his/her opinion, not by the facts of my case, and did so rudely by giving no warning or chance to improve whatever he/she felt was the issue that warrants further destroying my credit score. I just recently completed 12 months of covid relief payment plan with success ( XXXX payments on time ) and the account closing date of XX/XX/XXXX was my early Christmas gift from Amex is an eyeopener for me since I have kept this acct open and in good standing many years naively thinking Amex was appreciative of cardholders such as I. They dont know or realize that my fico score declined after another bank charged off a credit card and obtained a judgement without my knowledge. Unfortunatetly that bank didnt get a penny from me since my disabilty retirement check is protected from garnishment and if they had left my account opened it would still be paid monthly by me. Amex will be the next failed attempt that will never get a penny from me. It works both ways, I can permanently end things with them especially since they seem to want it that way,
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (VA)

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to CONTINENTAL FINANCE as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against CONTINENTAL FINANCE in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 CONTINENTAL FINANCE is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against CONTINENTAL FINANCE for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.3. A Promissory note is a negotiable instrument. CONTINENTAL FINANCE has committed aggravated Identity theft and is still benefiting from my intellectual property.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

the account mentioned is XXXX XXXX it was opened frauduently. 
the amount of this account was {$2000.00} and is reporting that {$3100.00} is owed. 
I have reported to Experian several times with documentation pertaining to identity theft report from the federal trade commission, police reports and numerous other information. they continue to place this account on my profile even after it was blocked permanently because of info I provided. they paced this account back on after XXXX XXXX  provided them with minimal information about me. I did not open this account it was again opened by someone else not me.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

This is a problem with XXXX, XXXX, and Equifax, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX XXXX ( copyrighted ) service. These companies refuse to acknowledge the function that " XXXX '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " XXXX XXXX '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the XXXX 's with a fax machine, they need to educate themselves in modern-day 21st century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " XXXX '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your XXXX balance due is ... ... XXXX + XXXX XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.
Consumer complaint received 2021-10-17
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (GA)

This is a second related filing to XXXX, in which I listed XXXX XXXX XXXX as the involved bank. 

This complaint is about TD Bank 's role in the same matter, and the requests I have of TD Bank. 

1. On Monday, XX/XX/2019, I received a check from XXXX XXXX XXXX in the amount of XXXX dollars, representing a refund check for student financial aid due unto me. The check was drawn on TD Bank. 2. I deposited the check to my personal checking account at XXXX XXXX XXXX, using the mobile app. 3. The app stated that there would be a standard hold, and that the funds would be available the following morning. 4. Looking later online, there was contradictory information stating that the hold would be until Wednesday, XX/XX/XXXX, at XXXX XXXX. - yesterday. 5. The funds were made available at around XXXX XXXX. 6. I paid several bills at that time, and scheduled several additional bill payments to post to the account. 7. At around XXXX XXXX. yesterday, I became aware that the funds had been debited off of my account, leaving my account with a negative balance of apx. seven hundred dollars. 8. I called XXXX. The agent, and a supervisor ( XXXX - ID # XXXX ), stated the funds were being returned, but that the reason why would not be available until the following morning, and that I could call at XXXX XXXX. 9. I called at XXXX XXXX. but the line for agents was not open. 10. At XXXX XXXX., I spoke with XXXX ( ID XXXX ) and a supervisor ( XXXX ) who stated that a " stop payment '' had been placed on the check by TD Bank on behalf of XXXX XXXX XXXX. 11. I then called a TD Bank branch, XXXX XXXX, Vermont, branch, and spoke with XXXX. XXXX stated that there was no stop payment for that check or for that amount. 12. It is troubling that XXXX says there was a stop payment, but TD Bank says there wasn't a stop payment. 13. I left an urgent voicemail for XXXX XXXX at XXXX XXXX XXXX corporate office, but have not received a reply as of this time. 14. XXXX XXXX XXXX sent me replacement funds via wire transfer at around XXXX XXXX. today. 15. XXXX XXXX, TD Bank branch manager,  called me later in the afternoon. She said she could not provide any information about the check, including whether it had even been rejected by TD Bank or whether there was a stop payment. 16. Consumers who receive bad checks, or allegedly bad checks, should have some rights to find out what is really going on. I should not be told contradictory things by two different banks and then the second bank refuses to talk about it. I should have some rights to information, and there should be a process to provide consumers with that information.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

On XXXX XXXX I thought I was talking to a loan officer, I had given him all of my information. This included my Drivers License number and banking account number because funds we suppose to be deposited into my Chase bank account. He deposited money into my bank account in turn I was told to buy gift cards. He had access to my bank account Chase will not take responsibility and will not pay me back the money that he backed out of my account. He backed out XXXX, XXXX, of my Car payments and my Condo payment and my HOA payment as well as doctor payments and other bill payments such as my XXXXXXXX XXXX bill I had made on the dates of XXXX XXXX through XXXX XXXX with a total amount of {$8100.00}. 

Thank You