davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NY)

According to Hunter Warfield themself as stated in the previous Consumer Financial Protection Bureau complain " the last time that Section 8 paid the consumers rent was on XX/XX/XXXX ''. This date is the last date of delinquency, however Hunter Warfield is reporting the last date of delinquency as " XXXX XXXX XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX ''. 

In accordance with the Fair Credit Reporting Act ( FCRA ) If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was XXXX in XXXX, however, a CRA may report it for 10 years. I have never had a XXXX 

Hunter Warfield is going by the date that the so-called collection account was placed with there not so legitimate company, instead of the date of delinquency given to you by the CREDITOR, which is against the ( FCRA ). Hunter and Warfield is attempting to re-age this account so that this account stays on my credit report longer than it legally should, an offense punishable by a lawsuit with punitive damages plus lawyer fees accrued. 

Warning Warning this is the second ( 2nd ) Consumer Financial Protection Bureau complain filed against this company, the first being un-timely verification passed the 30 day time allowed. I intend to SUE this company if the account is not deleted from my credit report due to fraudulent and deceptive credit reporting.
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I tried to cash my " us bank '' issued XXXX XXXX XXXX XXXX check as I do every month for the past year with no issues.I walked into the XXXX XXXX branch in XXXX XXXXI showed my Id and check.the bankteller stamped the check then called her coworker " XXXX XXXX '' over then they spoke a different language then they handed me the stamped check with my id back then told me the check wasn't processing.I asked to speak to a branch manager and was told none were available.then i asked if the stamp on the check would affect the ability to cash my check at a regular check cashing place and XXXX XXXX told me it wouldn't.when I went to a check cashing place, the said they couldnt cash the check because of and only because of the stamp.Im living check to check to check I cant afford to be scammed for XXXX dollars that is supposed to pay my utilities.
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santander hasn't reported my good standing to any credit bureau. I called on XX/XX/2023 to inquire the reason why they won't reporting my good standing to any credit bureau ; didn't get any adequate answer.
Consumer complaint received 2023-08-02
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: ZWICKER & ASSOCIATES (GA)

I have disputed 2 addresses with XXXX, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since XXXX. They say it is a XXXX XXXX. I have had cards where a business used my information to open the cards. I have sent XXXX that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.
Consumer complaint received 2023-08-04
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)

In accordance with the fair credit Reporting act XXXX  account # XXXX opened on XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnisha account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpuse
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (GA)

My name is XXXX XXXX XXXX. I opened a checking account with the U.S. Bank and deposited of {$15000.00} on XX/XX/. When I opened my account, I did not include " XXXX '' as part of my middle name as I remember it shows optional on the registration form online. My account with the U.S. Bank is under XXXX XXXX. The U.S. bank closed my account on XXXXXXXX  and sent me a letter explaining that they believe the account was opened with someone's else name and personal information. My fund of {$15000.00} is now being held indefinitely by the U.S. Bank on their hold over account. The fund was deposited using my XXXX XXXX account which is also under my name. I have since spoke to them twice about the account with their Customer authentication and Fraud Experience ( CAFE ) Department who originally sent me the letter about the closure of my account. On the first encounter on 07//21//2023, I spoke to XXXXXXXX. She mentioned that the fund is being held because they can not verify the identity of the account until I sent them the copy of my Driver 's license and Social security number to their email provided which is XXXX and she provided me the reference number for it XXXX. I sent them both of documents requested through email. Today on XXXX, I called the CAFE department again to ask about the status of my fund, the first customer service said they could not find anything about the fund being released, so I asked to speak with the higher up person. I spoke to XXXX XXXX from the CAFE department of the U.S. bank and she now mentioned that the fund will be held indefinitely because they can not verify the account. I asked her what I can do to show that the account belongs to me, and she said there is nothing else she can do to release the fund. I have provided all the documentations needed to show that the account belongs to me. I even provided the copy of social security number which is the same I used to open the account. My driver 's license shows my correct address and date of birth. I really needs help to have my fund released. I can provide all the documents needed.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (IA)

Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence usedin Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MD)

i am in need of help because debt collector is not able to provide me with original contract showing that i owe them money. 
i looked up this law 15 us.code 1681i which is the FDCPA and in section 1681i a Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
which mean if i request for my original contract and they can't proof it then they need to remove it off of my credit report. 
they violated my right under the FDCPA
Consumer complaint received 2018-01-08
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: EdFinancial Services (TN)

The following Student loan accounts are reporting late and therefore showing negative on my XXXX REPORT. XXXX and XXXX have updated and corrected the items. It has gone past the time that was stated for the information to be updated. Some were updated but TWO are still reporting negatively. 

1.ED Financial XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4300.00} 2. ED FINANCIAL XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 116 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance XX/XX/XXXX THROUGH XX/XX/XXXX IS REPORTING PAST DUE. THESE ACCOUNTS WERE IN DEFERMENT DURING THE TIME AND HAVE BEEN CONFIRMED BY LETTER THAT WAS SENT TO ME. BUT ACCOUNTS HAVE NOT BEEN UPDATED YET.
Consumer complaint received 2023-08-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (TX)

Today, XX/XX/XXXX, a new company in XXXX Texas called me about an old debt from XXXX which I have disputed many times and waited for it to be deleted from my credit report. 
The collection account was deleted from the credit report per the fair reporting standards and have been off the credit report for almost a year. 

Now that I am currently seeking to purchase a home and in conversations with lenders and getting praised for demonstrating good progress with my credit worthy, someone ( who is invading my privacy ) is deliberately trying to defame my character and sabotage the current praise and opportunity by bringing up old debt that was disputed and expired from my credit report. Someone has even went so far as to target me by searching for the old debt to purposely transfer it to a new company who would pursue and/or recreate the account to restart the derogatory reporting to the credit bureaus after previous debt collector removed it. This is all to directly sabotage or threaten me during my attempt to purchase a home. 

When speaking with their representative she explained that they were a new company assigned to the debt in XX/XX/XXXX and that they have not been in contact with me because they just got the account and finished the waiting period. She also threaten us by saying that they do have the right to restart the process of reporting it again to the credit bureau and that it was not called re-aging. 

I begin questioning why they have all of a sudden contacted me now after having the debt for over 5 months and the debt was over 6 yrs old. I explained that we have disputted this account with the previous debt collection companies and with the hospital and ask not to be contacted about this inaccurate bill that no one could verify or justify in the hospital when disputing the bill. I believe that this may be one of the reasons why the debt was deleted because they could not verify or justify the bill.

So in other words, they are manipulating the law to find a different way by selling debt that has been previously disputed and dropped from a credit report - all to restart a process- to target or harass a person they want to sabotage.
Consumer complaint received 2023-08-04
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello and good day. This is a follow-up from # XXXX that I submitted on XX/XX/XXXX. On XX/XX/XXXX at XXXX I had a missed call from XXXX, a male who stated in a voicemail message that he's from Bank of America and is calling regarding my complaint. I didn't call him back. The same day at XXXX he sent me an email to contact him at the telephone number below but there wasn't a telephone number in the email. He signed off as XXXX XXXX and the email was from XXXX XXXX. He wanted me to call him to confirm that I am the party who engaged the CFPB. I responded to the email on XX/XX/XXXX at XXXX that yes, I am the party. I saw your call and heard your voicemail message. As of today, I haven't received a reply. On XX/XX/XXXX I received postal mail from Bank of America? From " XXXX XXXX XXXX '' XXXX XXXX, Texas XXXX " coincidentally the improper use and non-permissible hard inquiry started as well as the identity fraud ''. The letter had instructions for me to send my information to " XXXX XXXX XXXX '' documents, copy of credit report and misc. documents to them along with a detailed letter, name of credit agencies, reason for mt dispute and more. The letter also stated that they need the information to research my dispute, and they can't proceed because the information they received was incomplete. I was going to mail them some of the documents with hesitation and in the end, XXXX couldn't accept it as they do not deliver to XXXX XXXX XXXX and needed a physical address. On XX/XX/XXXX at XXXX I emailed XXXX XXXX XXXX for a physical address and as of today I haven't received a response. I certainly will not mail them anything now as they could be the scammers. This has been going on since XX/XX/XXXX with XXXX resolution. Please advise CFPB as I am exhausted and had to make many changes due to the fraud and the non-permissible hard credit report inquiry. I also became a victim of healthcare fraud as well after this started. Thank you.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (SC)

The company has voided my original contract.removing gap and warranty coverage. Without providing me with another contract with my name and the company my information was sold to name. Also my title information does not have us auto, American car center, or west lake on it. So Im not sure that they have it in their possession.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I am submitting this as a follow up complaint to Experian and XXXX. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the entitlement to accurate and current credit information, and I anticipate that my rights will be upheld. I have already made numerous attempts to have these inquiries removed over the past few months, but they persist on my credit file. Once more, I kindly request the immediate removal of the following inquiries from my Experian and XXXX credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.