davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Recovery Management (TX)

Consumer Financial Protection Bureau Office of Complaints XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against FOX COLLECTION agency for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am disputing the validity of account number XXXX, which FOX COLLECTION has placed on my consumer report without providing the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, FOX COLLECTION has engaged
in false, misleading, and deceptive practices in their collection attempts. They have no authority to furnish this account to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ).

I am disputing any and all alleged debts to FOX COLLECTION and revoking their authorization to communicate with me via email, text, or phone calls. 

I am requesting the following : Debt validation and verification A copy of the purchase agreement between FOX COLLECTION and the original creditor Proof that FOX COLLECTION is licensed and bonded I believe that FOX COLLECTIONs actions are unlawful and harmful to my credit standing. I request that the CFPB investigate this matter and take appropriate action against FOX COLLECTION. 

Enclosed are copies of relevant documentation to support my claims. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ZWICKER & ASSOCIATES (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Collection Practices Zwicker &

Associates P.C. Dear Sir/Madam, I am writing to formally dispute the collection practices of Zwicker & Associates P.C . regarding an account with XXXXXXXX XXXX. I believe that Zwicker & Associates P.C. has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which mandates that a debt collector must cease communication with a consumer once requested in writing.

Details of the Dispute : Collection Company : Zwicker & Associates P.C. 
Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Account in Dispute : XXXXXXXX XXXX, Account Number XXXX Nature of the Violation : Despite calling twice, XXXX XXXX XXXX from Zwicker & Associates P.C . to cease all communication regarding this debt. This action is a direct violation of 15 U.S.C. 1692c ( c ), which requires that debt collectors stop all communication with the consumer once such a request is made.

I request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FDCPA. Specifically, I seek the following : Verification that Zwicker &
Associates P.C. received and acknowledged my written request to cease communication.

Assurance that Zwicker & Associates P.C. will immediately stop all communication with me concerning this account. 
Any necessary enforcement actions to address and prevent further violations by Zwicker & Associates P.C.

I appreciate your prompt attention to this issue and look forward to a resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (LA)

I went to purchase an open car hauler. They were offering rent to own for the unit I was looking at. Filled out the application and it was declined due to my drivers license ( XXXX  ) was too worn to read. I just paid cash for the unit. List price was XXXX. I received a XXXX discount and ended up paying XXXX cash for the trailer. Filled out the paperwork for the tags and title then brought the trailer home. I received the title XXXX  days later. I never financed anything. I received a call over a year later from the 3rd party collection agency and I was told that I owed XXXX ( not sure the exact amount she said ) on the trailer. I asked how could the trailer that was allegedly financed go from XXXX to XXXX if I didnt pay anything on this alleged loan. I was told that there had been a stolen vehicle report filed and it was in XXXX  or XXXX  something like that. I asked who was the one who filed the report because Im  the registered owner and I had sold the trailer in order to purchase an enclosed trailer which better suited my needs. She couldnt answer the questions. She volunteered to send me a copy of everything she had in my file. I asked if the said contract had approved or declined on it. She just repeated that shed send me copies of everything. I contacted the gentleman that bought the trailer from me and he said someone had showed up at his place saying the trailer was in default. He went inside and retrieved the title and registration and presented it to the guy. The guy told him that it must be a mistake in the file and left. I never received a single piece of information that was claiming that I financed anything. Not to mention howd I had a title to the trailer. Because it wasnt financed. I dont have a clue as to why this is on my credit and impacting my life because of someone not doing their job.
Consumer complaint received 2023-07-29
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. (TX)

I provided the credit reporting agencies XXXX and Experian that the account XXXX XXXX : # XXXX is inaccurately reporting on my credit report. I even provided the documents which they state they are able to see. Per my original contract ( which was provided to the credit agencies, and collection agencies ) with XXXX XXXX XXXX 's original documents the date that the account was open and the amount are incorrectly reporting on my credit. It is against Federal Law to fraudulently report information that is knowingly inaccurate on a person 's credit report. 
I was told that the collection agencies do not have to provide proof that the accounts that they are reporting is correct. Even after I provided my original documents to the credit reporting agencies they refused to delete the inaccurate account from my credit report. I asked why this was and was told that they are taking the collection agencies word over my provided fact checking documents, and that the only thing they could do was file another dispute. I have filed several disputes and nothing is being done to remove this fraudulent account from my credit report. 

The original contract I had with XXXX XXXX was voided because they never pulled money from my bank account, per the contract the money was to be directly paid each month. When I tried to contact them on numerous occasions about the account number that the employee wrote down, to inform them that it was not my account number and the money was never being pulled they would not update the information. XXXX XXXX kept giving me the run around and no one was willing to update my account with my account number. I never received the services because they never pulled the money from my account to pay for the services.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

unfortunately, I am a victim of human trafficking of Debt bondage. 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 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-11-20
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. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 


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
Consumer complaint received 2024-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION ()

My vehicle XXXX XXXX XXXX XXXXXXXX miles started to have problems, took it to the dealership XX/XX/24. I asked the salesperson at XXXX XXXX XXXX XXXX XXXXXXXX find a solution for me and instead of trading my vehicle, the salesperson sold me a new vehicle. My old vehicle didn't get fix and I had to take the vehicle home with me that day. The vehicle was finally fixed on XX/XX/24 but now I have XXXX loans XXXX with a XXXX interest rate and the other one with a 11 % interest rate, and an extra vehicle I don't need. The salesperson XXXX XXXX never explained to us the sales process, he stated it was too long of a process and he told us to call the Financial company and tell them that I had lost my job and that I can no longer make the payments. I do now find out that he sold us the XXXX vehicle " XXXX is ''. There are added fees we didn't know about and this is the second time he tricked us in buying a car and never explained the sales process nor the paperwork we were signing. We are struggling financially and a lot of psychological and financial stress is occuring after this episode. We would like to find a resolution to this issue asap. We are XXXX  speaking customer and we need someone to contact us in XXXX.
Consumer complaint received 2024-08-25
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: TRANSWORLD SYSTEMS INC (MI)

THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 


I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT BUREAUS, AND I HAVE IDENTIFIED Some COLLECTIONS ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 
BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNTS Please send all documents of proof that you are legally authorized to obtain my information and collect because I did not authorize any of this stuff XXXX/ XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (SC)

I have attached a copy of my consumer credit report I don't recognize accounts collections as a result of identity theft and fraud. per acct ref identity theft XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$35000.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5200.00} AMEX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account XXXXtatus : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5800.00}
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (SC)

I've attached a copy of consumer credit report I don't recognize Accounts, Collections as a result of identity theft and fraud. Per case # XXXX and ref # XXXX Identity theft XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00} XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Credit Limit : {$10000.00} XXXX XXXX XXXX XXXX {$5200.00} open XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00XXXX XXXX Account # : XXXX Account Type : Open Account Open Account Type - Detail : Credit Bureau Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00} XXXX  XXXX XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$35000.00}
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX  to whom this card was issued elected for a private liquidation per California 's laws on. Assignment for the Benefit of Creditors. There is no money left as all unsecured creditors were paid XXXX % of their debt and we are dissolving the company shortly. 
According to the company attorney, the explanation accompanied the check. Under California 's laws and common law around Assignment for the Benefit of Creditors, unsecured creditors do not have to consent to the settlements- it is binding upon them as in a bankruptcy. I am enclosing legal information about California 's ABC laws. 
On XX/XX/XXXX, I spoke to an AMEX representative about the liquidation settlement and was asked to send documentation of it to a specific address : XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX. I sent them the requested documentation the next day XX/XX/XXXX. I was told no further action would take place until AMEX had reviewed the settlement documents. Further, I followed up with AMEX on XX/XX/XXXX at which point the representative told me AMEX was typically slow processing documents mailed that address and to be patient. 
First, the account should not still be open it was legally settled. But if AMEX is not convinced of this, it should not be making derogatory marks on my credit while the issue is in review.
Consumer complaint received 2023-11-20
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-24
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: WELLS FARGO & COMPANY (VA)

Wells Fargo violated LAW 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a finan

cial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is illegal to report informTION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please
REMOVE THE LATES FROM ALL THREE CREDIT REPORTS IMMEDIATELY. Thank you!
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the removal of fraudulent and inaccurate information appearing on my 3 Bureau ( XXXX ) Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that XXXX, XXXX, and Equifax block and delete these items from my credit report within four ( 4 ) business days.
Consumer complaint received 2023-07-29
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. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00}.