davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

Dear CFPB, I am writing to file a formal complaint against Jefferson Capital Systems regarding an inaccurate debt they have reported on my credit report. Jefferson Capital is claiming that I owe a balance of {$5100.00} for a business transaction I supposedly entered into with them. However, I have no knowledge of this debt and have not conducted any business with this company.

I have made several requests to Jefferson Capital, asking for a legitimate copy of a contract with my actual signature to prove my involvement. Despite my efforts, starting in XX/XX/year>, they have refused to provide me with any documentation or details supporting their claim. I have been living outside of the country for an extended period and can confirm that I have not initiated any agreements with Jefferson Capital during this time.

I am requesting that Jefferson Capital provide the following : 1. A copy of the contract with my actual signature.

2. A detailed account of the debt they claim I owe.

I am seeking your assistance in investigating this matter and ensuring that Jefferson Capital provides the necessary documentation or corrects the inaccurate information on my credit report. 

Thank you for your time and attention to this matter. I look forward to your respo
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (TX)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On numerous occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and upsetting my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening as quickly as time permits. I generously demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and trustworthiness of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-09-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MD)

Had to move out and in with family due to loss of XXXX from XXXX  XXXX. They kept our full security deposit amount which a full months rent. They told us we had to pay or vacate the premises. We then had to leave due to no funds. They then charged us XXXX additional months worth of rent and sent to collections after we told them we couldnt afford to stay. They have repeated denied this and continue to reopen and send to collections. We were severely affected by XXXX XXXX as well as many other families and its a disgrace they are not doing this.
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OH)

Subject : Formal Complaint against JEFFERSON CAPITAL SYSTEMS LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS LLC for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that JEFFERSON CAPITAL SYSTEMS LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with JEFFERSON CAPITAL SYSTEMS LLC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that [ Debt Collector ) provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If JEFFERSON CAPITAL SYSTEMS LLC is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with JEFFERSON CAPITAL SYSTEMS LLC is blatantly false. I neither received any services or products from JEFFERSON CAPITAL SYSTEMS LLC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that JEFFERSON CAPITAL SYSTEMS LLC is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of JEFFERSON CAPITAL SYSTEMS LLC constitute clear violations of XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( c ) ( XXXX ) ( i ), XXXX XXXX XXXX ( b ) ( XXXX ), and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Bankruptcy is not mine, and the credit bureaus won't delete them. They all said they verified it through XXXX. XXXX says they got the information from XXXX, but XXXX says they don't supply information to third-party sources. So how is it verified if it's mine if the source doesn't supply the information? Given that XXXX  does not provide information to third-party sources, the verification process by XXXX and the credit bureaus does not meet the " reasonable procedures '' standard required by the FCRA 15 U.S.C. 1681.So if XXXX and the credit bureaus can not verify the bankruptcy through a reliable and accurate source ( since XXXX  does not provide this information to third parties ), they are required by law to delete it from my credit report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

ONE MAIN ACCOUNT # XXXX OPEN DATE XX/XX/XXXX LAST ACTIVITY XX/XX/XXXX THIS ACCOUNT WAS SETTLED AS AGREED IT ONLY HAD XXXX LATE PAYMENTS AND AFTER THAT I WAS PAYING IN FULL NEVER MISSED A PAYMENT AFTER UNTIL REQUEST TO CLOSE AND SETTLE. 
THE ACCOUNT HAS BEEN CLOSED SINCE XXXX THATS 6 YEARS OF REPORTING NEGITIVE IVE REQUESTED TO DISPUTE AND REMOVE ACCOUNT FROM CREDIT MY REPORT.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries.

15 U

.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-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 2024-08-11
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: Experian Information Solutions Inc. (TX)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Amount : XXXX I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

On XX/XX/2024 I wrote all 3 credit bureaus a certified letter requesting that Jefferson Capital LLC validate the debit on my credit files. They are saying this is a debit from XXXX XXXX. I have never had any telecommunication service with this company. I requested validation of the debit showing that this was in fact my debit but never received any documentation, only an update from the credit bureaus saying it was validated. The account number that was provided on my credit file is XXXX in the amount of {$290.00}. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received no correspondence from Jefferson Capital, LLC regarding the debit validation that was sent. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Again, I have NEVER had any services with XXXX XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (LA)

On approximately XXXX XXXX, I called Moneykey CC Flow lending company in regards to my concerns of my loan. I asked them to explain to me why after making approximately {$550.00} to {$570.00} a month for the past nine months on a {$2900.00} dollar loan, why I still owe over XXXX dollars, this doesn't make any sense to me. The Moneykey employee replied that it's because they don't go by finance charges, they go how much you owe each month, her exact words were " we go by your monthly billing cycle '', and she further said that I am welcome to make additional payments in order to lower their fees. I told her that this is insane, you guys are charging over 100 percent interest on your loans, and at this rate I would never be able to pay off this loan. The Moneykey employee just replied " sorry, you can pay more to lower the amount. When I made the call I owed {$3200.00}, on a XXXX dollar loan, today it shows that I owe {$3200.00}. I was approved for a XXXX dollar loan on XX/XX/XXXX, and the money is automatically taken out of my checking account, and it varies from around XXXX dollars to as high as XXXX dollars. I have paid a total of {$3900.00} into this loan so far
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

On or about XX/XX/ I submitted a single credit application directly to Nissan Motor Finance, the bank, with the mutual understanding that I was applying for credit directly through Nissan Motor Finance, and no one else.

Upon submitting the application, I noticed an inquiry alert on my profile confirming that they ran it only once.

After doing this, I called the Nissan dealership in XXXX XXXX, XXXX  to proceed with my direct application to Nissan Motor Finance *herein after referred to as " NMF '' ). 

While speaking with the rep, I explained how I already had an active application with NMF directly, and that I was ONLY interested in what I qualified for direct with NMF. I also explained that I DID NOT want any additional inquiries into my credit, as I had already submitted and app to NMF, and have a pre-qualification / Pre-approval from XXXX  XXXX. 

The representative assured me that he would not run my credit, so I gavce hom my name, email, phone number and date of birth.

About 15-20 minutes after that call, he caalled me back claiming he needed a bit more info to find me in the system. He asked for my social. I once again reminded him that I did not want him running my credit. He assured me he wasn't going to do that, he only needed the info to find my existing app / file. With the mutual understanding that he was not going to run my credit, I gave him the info he requested. 

Not even 10 minutes after disconnecting that call, I started receiving multiple alerts via email that my credit was being hit with HARD inquiries. 

Turns out, the representative lied to me. He never intended to help me fins my file, he used my information to run a credit check without my permission, which is FRAUD.

Luckily I was able to looked my credit profiles to prevent any further fraud.

I have made several attempts to contact a manager or someone in charge of the person responsible for committing this fraudulent credit check without my permission, but they don't seem to take me seriously, so Now I XXXX  file this complaint in hopes of a possible resolution.
Consumer complaint received 2017-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (TX)

Looking at my credit report there is a loan I did not get.I called XXXX XXXX corporate office, talked to a XXXX and a supervisor after much investigating they could not find anything with my social or name.They asked me to call Midwest Recovery the collector, The woman XXXX was very rude, when I told her my situation she said XXXX would not have my information cause the loan was sold.I asked when and where the loan was taken out she said XXXX XXXX my well I have never been there, after several attempts of going back and forth XXXX XXXX advised me to file with YOU
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I have a business account with XXXX XXXX. Normally Ive been making more transactions than usual and I noticed XXXXXXXX XXXX put a block on my card Friday XXXX XXXX when my card declined when I was trying to make a purchase.. I then contacted citi bank about my card declining and they transferred me over to another department that handle fraudulent charges. They told me that the back office have a block on my card due to my most recent purchases. I spoke with several people after calling so many times. They told me the back office was closed over the weekend and they will get in contact with me if they had any questions and that it was nothing that they could do about it. One guy named XXXX hung up in my face after I asked for his employee-team number because he was being so rude as if I wasnt a hard working individual that need to have access to my funds. Ive expressed them all how unsafe it is to put our trust into these banks and they take and steal our money and they also put holds and blocks on our money when they want to. IT IS NOW TUESDAY and I still cant make purchases on my debit card. I have called and spoke with another team member and he stated that the block is still on my card and it is not absolutely nothing he can do about it. The back off still havent contacted me nor did they contact me when my card was first blocked. This is very inconveniencing and Im having a hard time with this bank since Ive made a complaint about them the very first time.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (FL)

Im trying to transfer money from my Experian account to my XXXX XXXX account, but I cant. Im also unable to withdraw money. I try to use my debit card, and it gets declined. I have no access to move my money in the account, and this has been causing me serious problems.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC (FL)

I have spoken with our Lender on the removal of the PMI from our Home loan multiple times. We have been denied. I was advised it should be automatically removed when the loan amount hits XXXX of the valuation of our home. I had originally requested the removal at XXXX but was advised would need to get the house appraised in order to have it removed but it should automatically fall off once the principle was at XXXX. I have paid down the principle balance which they confirm to me on the phone today XX/XX/year> that it is XXXX and we have been paying this lender for over 2 years with excellent payment history. I still received a denial letter indicating that the balance was not below XXXX even though they confirmed on the phone that it was XXXX. The original evaluation of the property is {$400000.00}. I just received our new statement for XXXX XXXX payment which currently reflects XXXX and still shows the PMI. Our lender is Loancare with a contact number of XXXX. I have escalated this within the company and with the automatic denial letter even though it is below the legal amount to be charged the PMI it feels like a scam that the company is trying to still do when the law states it needs to be removed. I am seeking help on this.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

BOA is crediting my payment above the minimum du to the promotional balance and not the amount with a high interest rate. I spoke to an agent and she said that this is how they apply my payments. This is not how the XXXX credit card payment law is supposed to work. How do I get them to change their practice. This is illegal yes? I wonder how many other people this is happening to???