davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Lending Services LLC (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOFI TECHNOLOGIES, INC. (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC. (NJ)

I am writing to formally notify you of an incident involving the repossession of my XX/XX/XXXX that occurred on Wednesday, XX/XX/XXXX, at approximately XX/XX/XXXX in XX/XX/XXXX at an address not listed as mine. The repossession agent knocked on the door, called me by name, and informed me that they were taking the vehicle. 

When I asked the repossession agent to leave the premises, he ignored my request. As I entered the vehicle, the agent flung open the passenger door, stating that he would not close it while I made phone calls. At this point, I informed him again that he was trespassing and escalating the situation, breaching the peace as defined by XX/XX/XXXX state repossession laws. Under XX/XX/XXXX, repossession must not involve any breach of peace, and opening the door to forcibly prevent me from using the vehicle falls under this violation. 

I informed the agent that I would not be leaving the vehicle, and reminded him that his actions were against the law. Despite my warnings, the agent called the police, who further violated my civil rights by opening the door and attempting to physically remove me from the car without legal cause. 

This is not the first time I have experienced an unlawful repossession attempt from your company. In XXXX a similar incident occurred when I was in Virginia, and I was able to stop the repossession as the repossession agent followed Virginia law correctly. Furthermore, I have made multiple attempts to communicate with your company about payment arrangements, which have either not been documented or honored. In both the New Jersey and Virginia cases, no official notice was sent regarding the repossession or the settlement of my debt, which is required under the law. 

Furthermore, I have repeatedly tried to work with your company to make payments that were within my financial reach, but they have been unwilling to offer any flexibility or assistance. Despite my attempts, the company has refused to offer loan modifications or other programs that could help me keep my vehicle. This lack of support is concerning, especially given the already high interest rate on my loan, which makes it even harder to manage the payments.
Consumer complaint received 2024-10-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE (TX)

XXXX XXXX Bank induced me into an unconscionable and fraudulent alleged loan agreement. They have been attempting to collect an alleged debt and making extortionate threats of repossessing my private automobile if I don't pay them something I don't owe to them. I've received multiple threatening phone calls, and letters of harassment and extortionate attempts of debt collection. I've specifically spoken with a XXXX XXXX XXXX ( Customer Advocacy Response XXXX ), and a XXXX Gust Gianakis ( Vice President - Consumer Collections ), both of whom have made explicit attempts at collecting an alleged debt from me verbally over the telephone, as well as XXXX XXXX acting in a retaliatory manner in regard to my current auto accident claim process. See attachments.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA abo6m thisdis what sheluser severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX EQUIFAX IS IN VIOLATION OF REPORTING INCOME ON MY CREDIT REPORT ( S ) The charge off is considered a certificate of indebtness, and that is considered income. ' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. Income can not be reported to a credit report. Income can not be reported to my credit report. Please delete immediately. This is against the law according to IRS PUBLICATION 4681 : Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (GA)

Attached is a Notice of Intent to Sue along with the lawsuit that will be commenced against I.Q. Data International , Inc on Tuesday XXXX XXXX XXXX for violations under the FDCPA if this matter is not rectified by the date listed above in Federal Court. My correct Contact information is listed in the attachments.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the recent incorrect charges and late payments that have been reported on my XXXX account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the XXXX account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to XXXX and XXXX, along with a copy of the inaccurate reporting.
Consumer complaint received 2024-11-14
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. (TX)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-08-31
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. (NY)

My identity was used without my authorization and or knowledge to open an Auto loan with XXXX XXXX XXXX XXXX. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (CA)

Collections account from IQ Data Collection, originally from XXXX XXXX XXXX, appeared on my credit report in XX/XX/year>. 
I was not aware of any pending debt with XXXX XXXX. They never notified me of an outstanding balance. I provided my email and new address when I moved out, along with them having my phone number. Never received anything in regard to this debt. 
Additionally, once we found out about the collections account, we reached out to XXXX XXXX Apartments to look into the matter. The new apartment managaer pulled up our records and informed us of the mishandling by the previous management. 
The original manager dealing with my account never logged that he notified us of an outstanding balance, he also never cleared the collections account with his upper management to include the accounting section, and provides very vague details as to the explanation of the debt amount on the invoice.

I contacted IQ Data and was met with a rude, aggressive, and unprofessional representative. Could not even discuss the issue because of the manner in which I was being spoken to.
Consumer complaint received 2022-11-13
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: Credence Resource Management, LLC (NY)

Credence Resource Management has fraudulently sent my name to collection. I have been harassed by phone calls for months for bills I have never received or never have incurred. They claim I owe {$300.00}
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC (AL)

Reviewed most recent credit report and I noticed a charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681S-2, 15 USC 1681 ( e ) this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2024-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NM)

I revived an email from a company called net spend, saying there are problems with my account. I have no knowledge of any account with them ; I dont even know who they are. Upon calling the company, the agent named XXXX, said she could not get into the account and to file a complaint with the FTC. XXXX supplied the FTC phone number.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

I am writing to file a formal complaint regarding attempts by a debt collection agency to collect debts that I do not recognize or owe. The collection agency has failed to provide adequate validation or confirmation of the legitimacy of these debts, yet they continue to contact me. 

Despite my attempts to resolve this matter and obtain proper verification, the debt collector has not provided the necessary information to substantiate the debts. I believe that the actions of the debt collection agency are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

As outlined in 15 U.S. Code 1692c, debt collectors are prohibited from communicating with a consumer regarding a debt at an unusual time, place, or manner that the consumer has indicated as inconvenient. Additionally, communication must cease if the consumer has informed the debt collector that they refuse to pay the debt or request that communication stop. I believe these rights are being violated in this case. 

I request that the CFPB investigate this matter to ensure that the debt collection agency complies with all applicable federal laws and that my rights are fully protected. I also request that further communication from the debt collector cease unless they can provide full and valid confirmation of the debt.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

Someone transferred money into my account from someone elses account and then used those funds without my acknowledgement and now the bank it was taken from is trying to prosecute. I had to get 5 new debit cards due to identity theft in the past 6 months and after that incident I finally closed the account due to there inability to keep my account safe. You would think that if someone tried to add a bank account to transfer money to and FROM that the bank would see that its not in my name and would reject the transaction or adding of the bank account that obviously doesnt belong to the owner of the bank account they are adding it to nor married to that person
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (FL)

I am a senior citizen living in the state of Florida. I have a credit with Concora Credit That had a XXXX balance for the past year and recently I was notified by my bank that Concora credit placed a derogatory statement on my credit report. I contacted Concora credit and they told me they put a {$99.00} anual fee on my card however they never notified me or sent me a bill so I never new. They then reported to the credit bureau that I did not make a payment towards the annual fee. I had perfect credit and never miss any payments so I am asking the CFPB to demand that Concora Credit remove the negative statements they put on my credit immediately because they never sent me a bill.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (MD)

I have contacted Shellpoint on numerous occasions to enter into a forbearance plan for the outstanding amount to bring the loan current with some type of trial payment. They have refused to respond, provided zero assistance, and blocked me from using their website for mortgage modification. I have tried on numerous browsers/different networks to submit for loan assistance and continue being blocked out of the system when hitting submit.

Currently have me listed as owing {$XXXX}, accelerating the loan to {$XXXX}. The mortgage less than XXXX  years ago was under {$XXXX}. 

They are effectively blocking me from seeking assistance they are legally obligated to provide to consumers. 


Loan Information : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting companies to provide me the Internal records of their reportings of these accounts thats being furnished on my credit report. These inaccurate accounts has caused me Great financial XXXX. I have been denied for loans, credit and refinancing of my home. I would great appreciate if someone can provide me the information thats needing to show that these accounts are accurate. 
Thank you.
Consumer complaint received 2022-08-31
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: CITIBANK, N.A. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, CITICARDS CBNA XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00} If you feel there is a possibility this accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I get called everyday from this company 6-7 times per day before XXXX XXXX  and well after XXXX XXXX. The company calls, threatens, doesnt look into their process for validating/verifying debt. They provide no written or electronic information. 

They also keep renewing the debt. Debt was 10 years old not its magically 4 years old. This company is unscrupulously targeting people with predatory practices. My family lost out on our home because this piece of debt kept appearing reducing my score, they alone have so many negative marks my mortgage companies backed off. This company is costing us and we will be suing and joining every class action suit that happens against them between now and the end of time. We will sue for generations due to the damage they have caused due to ignorance, rule/law breaking, and unsavory business practices.