davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

NOW COMES the XXXX XXXX XXXX, Executor, and for the Complaint against JEFFERSON CAPITAL SYSTEMS , LLC, states as follows : Facts XXXX XXXX XXXX XXXX received notice of an unverified debt b. The original creditor has verified settle of all debts held in past years c. Despite this, JEFFERSON CAPITAL SYSTEMS , LLC, has continued to attempt to collect on the alleged debt. 
XXXX JEFFERSON CAPITAL SYSTEMS , LLC actions violate several state and federal laws and regulations. 

Claims for Relief Count I : Violation of the Fair Credit Reporting Act ( FCRA ) a. EFFERSON CAPITAL SYSTEMS, LLC has improperly reported the alleged debt to consumer credit agencies, violating the FCRA by failing to ensure the accuracy of the information being reported. 

Count II : Violation of the Fair Debt Collection Practices Act ( FDCPA ) b. JEFFERSON CAPITAL SYSTEMS , LLC violated 15 U.S.C. 1692 et seq. by continuing to pursue collection of a debt that has been set-off, using misleading, false, and unfair collection tactics.

Count III : Defamation of Character c. JEFFERSON CAPITAL SYSTEMS , LLC has damaged XXXX XXXX XXXX and the Estate reputation by reporting inaccurate and defamatory information to consumer reporting agencies. 

Count IV : Unauthorized Use of Personal Information d. JEFFERSON CAPITAL SYSTEMS , LLC has unlawfully used the XXXX XXXX XXXX 's personal information in attempting to collect on a debt for which no valid agreement exists. 

Count V : False Representation and Identity Theft e. No authorized representative from the Estate of XXXX XXXX XXXX has ever signed any agreement with JEFFERSON CAPITAL SYSTEMS , LLC. JEFFERSON CAPITAL SYSTEMS, LLCs actions amount to false representation and identity theft. 

Count VI : Collection by Extortionate Means XXXX JEFFERSON CAPITAL SYSTEMS , LLC has attempted to collect the alleged debt by extortionate means, which is prohibited under applicable law. 

SEE ATTACHED LETTER
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (TX)

The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX  # XXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (PA)

This debt collection company NATIONAL CREDIT AUDIT CO ( " NCAC '' ) reported to the three major of credit bureaus that me and my husband XXXX XXXX owe their customer {$7600.00}. That is inaccurate and made my credit score got damage very much. Below are some information about how this collection company violated the law : - I dont own the creditor anything regarding to the fact that I signed up for the first year leasing and renewed for the second year. I moved out and the end of the renewed lease with a proper notice as they requested, I did not request and didnt agreed on any renewal for the third year. And of course, the last rent was paid fully, on time and accurate ( see in the report that I extracted from their database ) - I did NOT receive any notice from Creditor ( XXXX XXXX ) about my debt. It was a surprise and shock when the debt collector contacts me about the debt that I never own. Therefore, the creditor also violated the law by not sending the written notice as debt validation letter within five days of the collectors initial attempt to contact me as the consumer. 
- I disputed the alleged debt and requested the debt collector company to provide the proof and validation. The collector company did not provide the validation proof. So the alleged debt is invalid too. Please see the timeline and details that I recap below : * XX/XX/2022, we got an email from XXXX XXXX, said he/she is the debt collector and asked us to pay {$7600.00}. At first, we thought that was a scam, because in the email that they sent, we don't know where the debt came from, it was just saying that XXXX XXXX, the leasing office that after 01 year since we moved out, weve never heard anything from XXXX XXXX and we owe them anything. 
* XX/XX/2022 : we replied by sending an email to XXXX XXXX, the debt collector to dispute the alleged debt and requested the debt collector company to provide the proof and validation, and I also provided them my mailing address ( see attached email for details ) and we havent never ever heard anything from this collector, not even a reply email or any letter in mailbox. 
* XX/XX/2022 : the credit score report showed that debt and the score is damaged. 
* XX/XX/2022 : I received the FIRST and the ONLY one letter from NATIONAL CREDIT AUDIT CO. In the letter, the prepare date was XX/XX/2022, but in the US Postage envelop is XX/XX/2022. The letter said that I have been offered a variety of payment but I didnt take advantage of it. That is not true, I did not receive any letter from them before this letter.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I went to gas station to get gas my card kept saying declined I called bank of America and went to the bank all they said was they closed my account. They didn't give me a reason. I have XXXX dollars in it and a direct deposit check. They won't give my money I need my money I can't get gas to go to work or get food this is a big inconvenience and it's frustrating they closed my account for no reason!
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I received a Check for {$5600.00} from Iowa XXXX XXXX, on Thursday XX/XX/22. I went to Bank of America to deposit the check. A banker stated the funds will be available the next day. On Friday the XX/XX/22, I check my mobile bank app from Bank of America, and the funds was not in the account. The bank app stated it was on hold until XX/XX/22. I went to Bank of America thereafter to find out why the check was on hold and didn't clear. A banker by the name of XXXX XXXX, he said it was an unusual amount. I have been a Bank of America customer for over 2 years. I don't understand why my funds have to be put on hold for this length of time.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Wells fargo is financial institution as defined pursuant to 15 usc 1693 ( a ) ( 9 ) and has held an account belonging to me the consumer. They can not close an account that does not belong to them neither can they remove credits that does not belong to them pursuant to the Electronic Funds Transfer Act. They failed to correct their error pursuant to 15 usc 1693f is now liable for stealing my credits. 

Fact I applied for a XXXX XXXX XX/XX/2021, the grant was approve by XXXX XXXX.Grant number XXXX. 

XXXX  XXXX XXXX  deposited into my Wells Fargo Preferred Checking account number ending in XXXX on XX/XX/2021, in the amount of {$20000.00} from XXXX XXXX XXXX, payable to my first XXXX and last name XXXX. On XX/XX/2021 my bank Wells Fargo stated that XXXX XXXX XXXX  reported the wanted the credit back from my Checking account. Wells Fargo did not take the credit from account ending in XXXX they took from my other Wells Fargo account whats ending in XXXX. On XX/XX/2021 Wells Fargo sent me another email out stating that they will withhold my funds in the amount of XXXX from my account ending in XXXX, In which the credits was not deposited in this account it was deposited in the account ending in XXXX. 

So they stole the credit out my account. I was approved by scratch for my forgiveness on XX/XX/2021 and it was paid in full. see documentation attached.
Consumer complaint received 2022-08-30
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)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-30
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. (NJ)

XXXX XXXX XXXX XXXXXXXX has violated my privacy rights according 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 furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (CA)

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-31
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. (IL)

I am requesting your help with the account inaccurately listed on my credit report. This issue has damaged my reputation as a customer, and I need your assistance. I would like these accounts to be removed as they are both false and damaging.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (PA)

Hello - This is a complaint about PayPal who did follow the regulations associated with properly vetting a merchant. Thus, a fraudulent bad actor is using PayPal payment services/rails to accept credit card payments for a service that is NOT real. 


Merchant Name as registered with PayPal : XXXX XXXX XXXX XXXX Merchant Name as it appeared on my receipt : Forms Online Solutions Order Number : XXXX Date : XX/XX/2022 Service : Passport renewal online Situation : My passport expired earlier this year and I went online to renew it, but did not know that XXXX XXXX XXXX XXXX ( or Forms Online Solutions ) is not associated with the XXXX Department of State. I completed the online form with XXXX XXXX XXXX XXXX, who now has ALL of my personal information, including my passport number Request for CFPB : take the appropriate actions against PayPal, and stop this fraudulent merchant XXXX XXXX XXXX XXXX from doing business NOW PayPal : XXXX is the merchant transaction ID assigned by PayPal for XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EAST WEST BANK (MA)

Hello, The East West Bank closed my account suddendly and transfered money from my account without my consent on XXXX XXXX XXXX. They transfered total {$4400.00}. A total of night transactions. I have no idea why they can taken my money to transfered to other company and it is already my personal property. The money from faire.com, we sell the product there, we shipped the product and we get the payment. It is unacceptable to transfer my money away privately by The East West Bank. They need to compensate me for this loss. we tried to communicated more times with bank they don't have any answered about this transaction. the customer service said they don't know as well. it is ridiculous. My request is for the bank to refund the money for these XXXX transactions in my account, a total of {$4400.00}. thank you
Consumer complaint received 2024-10-31
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. (TX)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DE)

i reached out to equifax and XXXX  regarding an extended fruad alert that was appearing on my credit file that i did not request and that was ultimately placed on my file without my permission, each consumer reporting company told me they had trouble verifying me and to sumit a dispute and attach documents however i submitted this dispute asking this information / alert to be removed from my credit file equifax and XXXX have faailed to remove this information or answer my dispute in a timely fashion or comply with the fair credit reporting act 16 usc 168i iam asking that this information / alert be removed from both my equifax and XXXX credit file as its hendering me from obtaining credit additionaly equifax has failed to allow me to access my report iam asking that my report be made available to me as required by law
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Your failure to validate disputed late payments on my credit report violates federal law. Despite my written dispute over 30 days ago, you have not responded or provided required documentation as mandated by the Fair Credit Reporting Act.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

On Monday, XX/XX/XXXX my wife took time off to take my XXXX year old mother to the XXXX, NC branch location of Wells Fargo. She is a joint owner with my father on all accounts including a safe deposit box. My father died earlier this month and my mother 's estate attorney needs a copy of the Will which we believe is located in their safe box. Upon requesting entry into the box my wife and mother were denied and the branch employee said that they would have to inventory her box under dual control of two employees including a 3rd employee to notarize the audit. They further said they may have to drill the box, yet my mother has both keys to access the lockbox. My mom and wife tried explaining that my mother was joint, which is verifiable via the signature card and she has valid ID, yet they said she would have to come back in 1 week plus when there was adequate staff to inventory the box. This has created undue XXXX on my elder! y mother who is already grieving her husband 's passing. There was no compassion from the Wells Fargo banker and she seemed snippy when requesting an explanation. it seems a violation of privacy to go through my parents personal possessions when she is a rightful owner of the account. Please help. Very frusterated.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (FL)

hello, i am just learning how to review my credit report AND upon checking it i see 2 unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX ACCOUNT # XXXX