davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Received court paperwork on being sued for a debit that I do not owe this company and they threatened to place a lien on my bank account without validation of what it is whats owed and what business i have with them, I have no bill of sale or any assignment contract with them? 

I am writing regarding the above-referenced account that you claim I owe. I request a copy of the original credit agreement or loan contract, including any arbitration clause, that you allege forms the basis of this debt. Additionally, I request a copy of any agreement between Portfolio Recovery Associates , LLC, and myself that outlines any terms or conditions under which you are attempting to collect this debt. 
To date, I have not been provided with these documents, and as such, I am unable to verify the legitimacy of your claim or determine whether the matter is subject to arbitration as per the terms of the original agreement. 
Please note that if there is an arbitration clause within the original agreement, I intend to file a Motion to Compel Arbitration to resolve this dispute outside of court as required by the terms of the contract. I request that you promptly provide the necessary documentation, including the original agreement and any proof that you have the authority to collect on this debt, to avoid any unnecessary legal proceedings. 
Please provide these documents within 30 days of receipt of this letter. If you fail to do so, I will assume that you can not provide them and will proceed accordingly. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

I am not liable for this debt with FingerHut. I do not have a contract with Resurgent Capital Services. I have requested that they provide the PURCHASE AGREEMENT to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to. They did not provide a FULL SOCIAL SECURITY NUMBER AND THEY DID NOT PROVIDE A COPY OF SAID DRIVERS LICENSE. They did not provide me with the purchase agreement as I requested in complaint ID XXXX. Therefore according to the FCRA must be removed from my report. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. Civ XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You sent a letter trying to portray that you are validating a debt by sending Bill statements and terms and conditions, which indeed per FCRA is not validating debt nor is it send what was request in the original complaint ( the purchase agreement ). Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. I have no knowledge of an account with said company. Being that LVNV has stated that this alleged debt was sold to them means that this debt was claimed on taxes, therefore PRA is trying to collect money from a debt TWICE. SENDING A BILL IS NOT VERIFYING A DEBT! I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the attorney generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is stated above. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK ()

I have a savings account with East West Bank. After sending money to my friend and missing their query e-mail for sending money to my friend ( acting like XXXX is supposed to explain anything for that ), my account got closed from their side. 

I would not judge their behavior on the account closure even if it's ridiculous and outrageous. My logic is that if that is their decision I don't want to keep my money at their bank anyway. 

The real unpleasant experience began when I finally got time to ask East West Bank for my around XXXX USD balance back. 

Almost no feedback was obtained. When I emailed their customer service side ( XXXX ) and very clearly instructed my money withdrawal to my XXXX XXXX account in my name, I got total to XXXX replies and numerous BOT auto-replies. 

In XXXX of them XXXX precious replies, they simply inform me that " For account closure, it will take up to 90 days. '' They take like less than 9 days to close my account for sending my friend money, now when I wish to take my money back from their closed account, it need 90 days. I don't remember signing up anything for that. What can possibly take so long? The account I required transferred to is in my name, not like they are going to check my name for 90 days. 

In my view, East West Bank is being straight arrogant both for little respond and unfair treatments for customer.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Synovus Bank (VA)

Requesting names that need to be on my First Progress Card, Account. addressing the issue with my credit report : This not a complaint I'm facing identity theft don't want to send any documents through the mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> First Progress Card XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Dear, First Progress I hope this message finds you well. I am writing to formally request an update to the names listed on my first progress card due to inaccuracies that are currently affecting my credit report. 

It has come to my attention that the names associated with my account do not accurately reflect my personal information. This discrepancy is causing issues with my credit report and may impact my financial standing. 

For your reference, names I use details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX these names are associated with my Credit report. 
# I kindly ask that you update the records as soon as possible to prevent any further complications with my credit report. I appreciate your prompt attention to this matter and look forward to your confirmation once the changes have been made. 

Thank you for your assistance. 

Sincerely, This has messed up my credit report XXXX deleted my first progress credit card account yesterday.
Consumer complaint received 2024-09-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

XXXX XXXXXXXX XXXX  ( Landlord ) sold my rental debt to Hunterwarfield collections agency. They are attempting to collect an incorrect amount, and are refusing to share the utility bills they are charging. Hunterwarfield has called my family members and gave them my information, and attempted to collect the debt from them. I tried on multiple occasions for my landlord to send me proof of what I was being charged but they only responded by threatening me to send me to the collections agency mentioned above.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion requesting that specific names be included on your credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to request the addition of XXXX names to my credit report. It is important for my credit history to accurately reflect my identity, and I believe these names are essential for this purpose. 

The names I would like to have included on my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that maintaining accurate records is crucial for both credit reporting agencies and consumers, and I appreciate your attention to this matter. 

Please let me know if you require any additional information or documentation to process this request. I look forward to your prompt response. 

Thank you for your assistance. 

Sincerely
Consumer complaint received 2024-08-23
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. (AL)

Did not do an investigation at all. My social security number was breached. All the negative items and inquiries need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, etc? An account can only be charged off one time. This is clearly a violation.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc. (GA)

I Sent Several Letters Stating That I want a Credit Report Freeze and to DELETE OLD ADDRESSES, PHONE NUMBERS AND JOBS INFORMATION FROM MY CREDIT PROFILE AND ON XX/XX/XXXX I, RECEIVED A LETTER STATING THAT YOU ADDED THE OLD ADDRESS BACK ON MY CREDIT REPORT. 
WHY CAN'T YOU OPERATE IN A PROFESSIONAL MANNER, WHY THIS ERROR KEEP GOING ON. 
How you send me a letter to my CORRECT ADDRESS AND STILL PUT THE OLD ADDRESSES ON MY CREDIT REPORT.
Consumer complaint received 2023-06-27
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. (NJ)

I called your department after I purchased a credit report with XXXX XXXX  on XXXX XXXX XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was a CHARGE OFF COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

BOA constantly practices predatory banking. Every time my sons tuition is drafted from my account it magically bounces despite the funds being there resulting in fees from them. This has been going on for over a year.
Consumer complaint received 2024-08-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC (NY)

I want to express that this has been a very distressing situation for me. 
The attachments provide an example of the treatment I received from my Loan Advisor at Cross Country over the past two-three months.

I expressed to my Realtor via text over a month ago that I did not feel I was being listened to/fairly represented by my Loan Advisor, possibly due to being XXXX following conversations I had with her. 

It got to the point where I would reach out to others on her team rather than my assigned Advisor because of the discomfort I felt when having to speak with her. Additionally, due to the aggression and misinformation provided that was recognized when I spoke to her on the phone, I ultimately had no choice but to advise my Loan Advisor that I would prefer to touch base on via email or by text moving forward. 


She was often extremely condescending when I asked her question. She made many targeted, coercing & discriminatory remarks ( e.g., risk of homelessness, being denied by another lender, being denied of a grant, moving into low income areas, etc. ) on the phone. 

At times, she would provide me with inaccurate or misinformationif I pointed it out, she would respond with the same tone/passive aggressiveness as exhibited in the provided appalling email from XX/XX/24. It was incredibly upsetting and intimidating during the home buying process. 

I attempted to reach out to a Supervisor at Cross Country on XX/XX/24 to change Advisors and left a message with a representative that I spoke to directly with on the phone. I explained my reason for calling and asked if a manager could follow up concerning the issues I was having with my Loan Advisor. 
Additionally, I made attempts to reach out to the XXXX and took an online survey sharing my experience with, y advisor, and have not received a response from management. 


As a XXXX woman, I truly feel I was targeted, treated unfairly by my loan advisor and the organization Cross Country Mortgage due to my background, and status.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Neon Newco Corporation (NY)

I received an emailed from Netspend Company about my account inactive. I emailed the Company several times, that my card was lost. I also received a text message from the Company, that my prepaid credit card has {$0.00} and nothing else on it. I emailed the Company for a week, regarding this issue and they havent responded to me.
Consumer complaint received 2024-07-22
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On or about XX/XX/XXXX I requested a credit line increase for my Capital One Menard 's card. Back in XX/XX/XXXX, I purchased a refrigerator and dish washer on my Menard 's card ; this purchase included a special promotional rate with very low monthly payments but it was over my credit limit. Capital One/Menards allowed the purchase to go through but my card was then over its limit. I am still just {$700.00} under my limit on that card and requested a credit line increase. 

On XX/XX/XXXX I received a letter from Capital One stating that my credit line increase request was denied for the following reasons : There is legal action pending against the applicant I called customer service on XX/XX/XXXX. They told me they have no information about any court cases pending nor do they know what reporting agency they use. The agent gave me the numbers for XXXX, XXXX and XXXX XXXX and said it was up to me to call all of them and find out. 

As far as I know there is no pending litigation against me.
Consumer complaint received 2023-09-30
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. (CO)

Subject : Dispute of Credit Reporting Error XXXX XXXX Account To Whom It May Concern, I Will allow No Longer than 20 days for the Negative Remark to be Removed From My Consumer Report before Pursuing Legal Action. 

I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding a credit reporting error related to my XXXX XXXX account. The account is inaccurately reporting a balance of {$33.00} when, in fact, the account has a recorded balance of {$0.00} out of a {$1000.00} limit. This discrepancy is not only misleading but also fraudulent, and I am prepared to file an FTC report to support this claim if necessary. 

Account Information : Account Holder Name : XXXX XXXX Account Number : [ Account Number ] Balance as Per Account : {$0.00} XXXX XXXX : {$1000.00} The credit reporting error in question pertains to my XXXX XXXX account. Despite the account reflecting a {$0.00} balance and being well below the credit limit, it is inexplicably reporting a balance of {$33.00}. This erroneous reporting has negatively impacted my credit score and financial standing. I have attached supporting documentation, including a screenshot of the account summary, to this dispute for your reference. 

I am deeply concerned about the fraudulent reporting of this account balance, which could potentially harm my creditworthiness. In light of this, I kindly request that the CFPB intervenes to facilitate the following resolution : 1. Immediate Correction of Reporting Error : XXXX XXXX must promptly correct the erroneous reporting of the account balance, ensuring it accurately reflects a {$0.00} balance as indicated in my account records. 

XXXX. Cease Negative Reporting : XXXX XXXX should immediately cease any negative reporting associated with this account. Negative reporting, including delinquency or late payment indicators, should be removed. 

XXXX. Confirmation of Corrected Reporting : XXXX XXXX must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a {$0.00} balance and that any negative reporting has been removed. 

If necessary, I am prepared to file a report with the Federal Trade Commission ( FTC ) to support my claim of fraudulent reporting. However, I hope to resolve this matter amicably and promptly through the CFPB 's intervention. 

I trust that the CFPB will investigate this issue and ensure that XXXX XXXX complies with the applicable regulations and guidelines governing accurate and fair credit reporting. I kindly request that you acknowledge the receipt of this complaint and keep me informed of any actions taken to address this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the collection accounts reported on my credit report. These accounts was added without my consent, and I believe they are inaccurate. 

Please provide validation and documentation proving that this debt is mine and that I authorized its reporting. In the absence of such proof, I request that you remove this account from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I had requested verbally and in writing for the checking account ending XXXX to be closed and bank personnel did not comply with this request was not completed and subsequent fraudulent items were paid bringing the account to a negative {$1300.00} balance. These items should have been returned and the account closed as requested. Then a XXXX deposit of {$530.00} that was set up to go into my new account ending in XXXX was illegally put into the old account with negative balance causing me to lose {$530.00}. Bank personnel acknowledged the mistake and said it would be fixed and it never was. Then for over XXXX years I heard nothing from your bank about the account in XXXX that was finally closed with a negative balance of {$650.00} and without any notice you took these funds from account ending in XXXX. This has caused me great financial and physical harm as I am fighting XXXX XXXX. Then to take weeks to address my complaint to your bank and the CFPB with form that does not look at the actual issues involved in this complaint is illegal and inexcusable.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (VA)

The company would rudely answer the phone to ask me my name and then tell me their legal team is handling my debts. I would only hear back with debt verification via reporting ON XXXX where they showed they sent a summons for an address i didn't reside at 3 years ago. They have also called twice a day to try to directly collect the debt I was not properly informed about. I have no knowledge of the account mentioned.
Consumer complaint received 2023-03-15
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX