davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2019-01-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2019 - I negotiated with XXXX XXXX   Associate - XXXX XXXX a fair and reasonable agreed upon lump sum of {$500.00} to settle in full a {$690.00} debt that XXXX XXXX XXXX, XXXX ( XXXX ) claimed I owe. This lump sum payment of {$500.00} was in exchange for XXXX to settle my account in full for less than the full balance of the debt XXXX owns and to request the credit report agencies to delete XXXX from my account with credit bureau report. 

The settlement agreement between XXXX - XXXX XXXX and I on XX/XX/XXXX with confirmation number XXXX was documented, accepted and paid in accordance with our agreement. On XX/XX/XXXX - I received and email from XXXX stating that Customer Care Representative that I chatted with can not assist with payments or negotiations. The law states - It is illegal for collection agencies to lie, make false promises and negotiate in bad faith to trick consumers into paying an agreed upon lump sum by falsely claiming to settle a debt in full and it is required by law after accepting less than the balance owed as payment in full.
Consumer complaint received 2023-07-22
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: PREFERRED CREDIT INC (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of thi consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!
Consumer complaint received 2019-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CA)

Dear, Im XXXX  years XXXX, i had wireless services 5 phones with XXXX, due to bad ( no reception at home ) reception and filing complaints with FCC, i had to terminate my services with XXXX, on XX/XX/XXXX i got a call from Mr XXXX  ( Sunrise collection ) that i owed XXXX  {$1800.00} i told no i only owe only {$1400.00} because it was promotion XXXX   had buy one and get one free and on XX/XX/XXXX two days prior to my termination if I pay the remaining balance on buy one get one {$370.00} ( copy of XXXX XXXX ) i will only owe {$1400.00} so XXXX  asked to pay ( $ XXXX+ {$7.00} ) {$1400.00} and write Dispute letter disputing {$370.00} my account shows paid in full, I paid {$1400.00} and emailed my dispute email to XXXX on XX/XX/XXXX and kept my agreement with sunrise collection and they must keep theirs and ask XXXX XXXX XXXX to credit {$370.00} if not please return my {$1400.00} and i will take my chances with small claim for full of {$4300.00} that XXXX XXXX XXXX didnt provide services and I will file complaints with CFPB against Sunrise credits service for using Bait and Switch technique to take my payment and not delivering their obligation.on XX/XX/XXXX I called sunrise collection I was ask to file dispute again with copy of my statement to show {$370.00} and we settled the account Attached is the receipt It shows that on XX/XX/XXXX two days prior to cancel my services with XXXX XXXX XXXX i was asked by XXXX XXXX XXXX representatives if I pay {$370.00} I will get other phone free according to promotions on XX/XX/XXXX by one get second free and I did.

On XX/XX/XXXX got call from XXXX ( Collections agency ) that I owe XXXX XXXX XXXX  {$370.00}, I did explained the situations but they asked to call sunrise collections agency and to remove {$370.00} so I did but dont rememberd any email nor disputed email, this is unethical and fraudulent we had an agreement i didnt have to pay {$1400.00} because XXXX  will agrees if not i will go to small claim and settle my dispute instead of pay collection agency.

Attached are four photocopies the last two are the emails I sent to sunrise collections on XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A : States that I have right to privacy.

15 U.S.C 1681 Section 604 A Section A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: CHALLENGE FINANCIAL SERVICES (CA)

On XXXX of 2018 I contacted challenge financial company and told them I was out of work and was not able to pay the auto loan they told me theyll give me another month, so that month passed and I was unable to make the payment and till this day I havent been able to get work so today on XX/XX/XXXX after challenge financial calling my fiance with my number somehow and them calling me with my former works number somehow they hacked or did something for me to receive calls from my works number and they called threw this months my uncles and aunts and told them all about the debt and to left a message threw them for me, there was a rep that went on XXXX to my moms house and traspass her private property to look for me I dont live in that house anymore and my uncle went up to him and the rep told my uncle I would get arrested if I dont pay the car to pass on the message and today I call them to try to see if we can arrange something due to me not being able to find work and I till the lady I wont be able to pay the amount and tell her Im waiting for my work permit since I havent work since XXXX she goes ahead and harassed me and tells me shes gon na sue me even tho Im not anywhere close to where my moms house is that I wont get my permit because of it she threaten me that I wont get it because of a lawsuit she was harassing me because of my XXXX  status and didnt let me talk trying to make a deal with her
Consumer complaint received 2023-07-22
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)

In accordance with the the Fair Credit Reporting Act XXXX XXXX account # 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. also states a consumer reporting agency can not furnish a account withought my written instructions.
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

I recently received alert through Experian that my score dropped due to a medical data bill that Im unaware. I disputed a bill with XXXX XXXX months back because I received charges from a medical source in which we can not verify because the debtor has three different names theyve reimbursed my money for that & reported it to fraud. Now weeks later I receive a derogatory account on my file for medical data system a different name.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

There was a collection for XXXX on my credit file that I have been fighting for some time. It is over 7 years old but kept going from collection company to collection company and always being re-aged as to when the companies picked up the account. The company that they are reporting now is, XXXX XXXX. XXXX and Experian report it one month then not the next. This thing is over 7 years old and no money is owed. I just received noticed from my credit monitoring site that they put it back on.
Consumer complaint received 2019-01-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (SC)

I have been paying Navient in upwards of 500 plus a month for several years now. I have called to discuss lower payments and they continue to give me a ridiculous offers of XXXX to XXXX dollars. They are criminals and need to be stopped
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding the unjust investigation of three fraudulent transactions that occurred on XX/XX/2023. Despite providing concrete evidence, I have been informed that my case has been closed, and I have not been properly assisted in resolving the issue. 

To begin with, I want to emphasize that I only have a XXXX XXXX account since XX/XX/2023, and the two fraudulent transactions of {$110.00} and {$30.00} were both made from XXXX. I have no affiliation with XXXX-XXXX, and these transactions are undoubtedly fraudulent. Furthermore, a third transaction of {$4.00} was made at a place called " XXXX XXXX XXXX. '' As a XXXX, I do not consume candy, and I have no knowledge of such an establishment. 

I have taken all necessary steps to address this matter promptly. On XX/XX/2023, I filed a police report at the XXXX precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. A detective is currently handling my criminal case, further validating the seriousness of the situation. 

However, when I spoke with a female supervisor from TD Bank 's US headquarters on XX/XX/2023, I was shocked to learn that the investigation had been closed without a satisfactory resolution. The supervisor 's explanation that the transactions were not fraudulent because the thief would not stop at three transactions in a day and that I must know the perpetrator was both baseless and unfair. It is essential to note that TD Bank had already closed my account and reissued me a new card, making it implausible for additional transactions to occur with the canceled card. 

I firmly believe that TD Bank 's handling of this situation is in violation of the Electronic Fund Transfer Act ( EFTA ) and has severely infringed upon my customer rights. 

Therefore, I kindly request the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that TD Bank rectifies their significant errors promptly. I demand that the amount of {$110.00}, {$30.00}, and {$4.00}, which were fraudulently taken from my account, be permanently credited back to my account without any further delays. Additionally, I expect to be treated with the respect and dignity that every customer deserves. 

Attached to this complaint letter, please find my new TD Bank debit card information for your reference : Name : XXXX XXXX XXXX number : XXXX Thank you for your prompt attention to this urgent matter. I am hopeful that with the assistance of CFPB, this issue will be resolved satisfactorily. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On XX/XX/2019 - I negotiated with Portfolio Recovery Associate - XXXX XXXX a fair and reasonable agreed upon lump sum of {$500.00} to settle in full a {$690.00} debt that Portfolio Recovery Associates, LLC ( PRA ) claimed I owe. This lump sum payment of {$500.00} was in exchange for PRA to settle my account in full for less than the full balance of the debt PRA owns and to request the credit report agencies to delete PRA from my account with credit bureau report.

The settlement agreement between PRA - Ms. XXXX and I on XX/XX/XXXX with confirmation number XXXX was documented, accepted and paid in accordance with our agreement. On XX/XX/XXXX - I received and email from PRA stating that Customer Care Representative that I chatted with can not assist with payments or negotiations. The law states - It is illegal for collection agencies to lie, make false promises and negotiate in bad faith to trick consumers into paying an agreed upon lump sum by falsely claiming to settle a debt in full and it is required by law after accepting less than the balance owed as payment in full.
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (MD)

Several " collections '' companies have tried multiple times to collect a XXXX debt from me that is not mine. I successfully disputed it several times over the past 2 years, but now new, multiple companies are successfully posting this fraudulent collection account to my credit file. 

Collections companies perpetrating this fraudulent activity include : XXXX XXXX XXXX Sunrise Credit Service Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX I was never a XXXX customer or subscriber until I was hired by them in XX/XX/XXXX. The supposed collections debt to XXXX was started several years before I first subscribed to XXXX as an employee with free service. 

This is fraud, crime, and repeated whack-a-mole tactic to scam people out of money for fear of having a collections account on their credit history.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (MI)

I got a 2 virtual visa gift card that were issued on XX/XX/2022 from prepaid digital solutions, one for {$25.00} and another for {$73.00}. I tried to use the card several times in XXXX  but both failed. Ive called the company but they were no help as they says the cards have expired, are closed and funds are forfeited. They do have an expiration date of XX/XX/2022 but Ive tried to use them before they were expired and always had trouble.
Consumer complaint received 2023-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (KS)

I have been waiting for escrow overage due to property tax payment being refunded back to escrow account since XX/XX/2023. I requested from amerihome via secure message on this date and they told me the escrow overage would be released. 

1 month later in XXXX I called and still no escrow refund and they said they would put in request to the proper team to have the refund sent to me. 

It's now XX/XX/XXXX and still no escrow refund. There is an overage in my account and you need to send me the refund check to my address on file. Stop making me contact you and saying you will do it but nothing happens. Unacceptable.
Consumer complaint received 2023-07-22
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: ALLY FINANCIAL INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX Ally Auto XXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and XXXX Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I need the above transactions deleted from my consumer reports! 

Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (WA)

My credit report is continuously showing a balance owed to National Credit Systems that is steadily increasing. Original creditor was XXXX XXXX. I did live here in 2012. There were some serious issues with the apartment complex ( mold, my apartment was broken into and robbed, my car was broken into twice and a homemade bomb was placed on a car in front of our building that blew the car up ). The final straw was when my apartment was broken into and robbed, I then proceeded to get a hold of the manager of the leasing company, after multiple attempts, I was finally able to reach her to explain my situation and that I no longer felt comfortable in my own home with my XXXX  baby. She stated that I only had 2 months left of my lease so she would agree to let me out of my lease early as long as I was out by the end of that month, as my rent for that month had already been paid. I did as she asked and left the apartment clean before the end of the month, leaving my keys in their drop box. About 3 years later, I tried applying for an apartment complex in my local town who informed me XXXX XXXX reported I owed them $ XXXX- {$6000.00} for breaking my lease. I was never, not one time, contacted by them to have this settled from the beginning, by the time I was aware, it was too much for me to pay, as well as I felt like I wasnt responsible for this as the manager had verbally agreed I could leave with no problems. Now here we are over 6 years later and I can not find anyone to rent to me due to this and National Credit Systems is continuously increasing my balance, which I was informed is illegal. Once a debt is in collections, it should not accrue interest of any kind, is what I was told. My XXXX children and I are facing homelessness purely because of this issue. I currently work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with steady income and need housing by the end of February and this is making it extremely hard for me. I have been trying to get this dealt with for so long, on so many different occasions and have gotten no where! The balance is now up to over {$11000.00} and there is no way I can get this taken care of before XXXX, especially considering I shouldnt have owed any money to them in the first place. And, why is it steadily increasing?