davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I just recently looked at my credit XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

1. XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

2. XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

3. XXXX XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

4. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

5. Inquiry from XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

6. Inquiry from XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

7. Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

8. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

9. Inquiry from XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

10. Inquiry from XXXX XXXX , XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

11. XXXX XXXX , XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b., 12. XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

13. XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2024-02-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Contact Information : Email : XXXX Phone : ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against [ Professional Debt Mediation ] Dear Sir/Madam, I am writing to file a formal complaint against [ Professional Debt Mediation ] for violating my consumer rights under various laws and regulations. The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. Furthermore, I have not been given the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Additionally, the collection agency is using false, misleading, and deceptive means in its collection efforts, which is a clear violation of consumer rights. They do not have the authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I hereby dispute any and all debts to [ Professional Debt Mediation ] and revoke all rights for them to communicate with me via email, texts, or calls. I request that they provide debt validation and furnish the purchase agreement between them and the original creditor. I also request proof that they are licensed and bonded to operate as a collection agency. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against [ Professional Debt Mediation ] for their violations of consumer rights and laws. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. 

For the last time please take a look at my attachment and follow along : Item XXXX XXXX XXXX XXXX XXXX REFORTING TWICE ITEM XXXX XXXX XXXX XXXXXXXX Reporting twice 1. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/XXXX, closed on XX/XX/XXXX and reporting as two seperate accounts on credit report : All three agency reporting the same account last payment as : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? 2. How can you say you call the company and verified reporting inaccurate information? 3. How can you close the same account twice at the same time on a credit report?

4. How can the last payment be five ( 5 ) different dates and year??? 

Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never have an account or done business with XXXX XXXX XXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXXXXXX XXXX  they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inaccurate information I now have enough credit reports to prove FCRA and FDCPA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report. 

They have all failed to mark each disputed items DISPUTED another FCRA and FDCPA violation which continues to cause damages to me : compensatory and punitive damages. 

PS : I am in possession of all credit reports to prove the violations and errors mentioned in all my disputes to the CFPB. I am giving them another chance to remove/Delete the disputed items before filing a claim in the Eastern District of Pennsylvania Federal Court .
Consumer complaint received 2024-02-16
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 (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' American Express is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' American Express, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, and XXXX from American Express whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' American Express never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

In late XXXX I got my card stolen in the city of XXXX XXXX, CA. A few days later I called Wells Fargo and disputed the fraudulent transactions totaling to about {$500.00}. A lot of the charges that were made were in the state of Arizona, which I have never been to. At first, I did not get my money back because the representative filing my claim did it wrong and reported I had my card in my possession ( which I did not ). I then called back and the new representative from Wells Fargo told me my claim was filed wrong due to them writing in the report my card was in my possession when it was not. She then proceeded to apologize and gave me the credit. I also received a letter in the mail that my claim was resolved and the provisional credit was final. Months later, I get money withdrawn from my account for the total of {$500.00} stating the credit reversal. When I called Wells Fargo they stated it was due to the merchant proving the transaction were used with a physical card and they were authorized. How is this possible? I got my card stolen from me. This left me in disbelief because I got robbed of my money, that I finally got back, just to get it taken from my account again. I'm a XXXX  XXXX  so this money is a big deal to me. Wells Fargo kept explaining how they can't help me.
Consumer complaint received 2019-07-19
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: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly ( 90 ) to ( 120 ) days late on the XXXX partial account number ****XXXX-XXXX. ( Please page 9 of the attached credit report. ) My XXXX  XXXX payments were being sent by the State to my ex-wife directly on a monthly basis. There was an accounting error on the States part by not taking out the appropriate amount on my first paycheck and consequently the payments never caught up so there were late charges. I was never notified of this account error, no letters, no telephone calls, no email correspondence, or any attempt to let me know that I was delinquent. I did not know of this delinquency until I filed my taxes. This accounting error was not my fault. I have contacted the two bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score and these lates need to be removed from my credit report.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate ''
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My brother died in XXXX of XXXX  and I have inherited his estate/I am the executor of his estate. Since he had no children or a spouse, as a sibling I need to pay taxes on his inheritance to the State of NJ. NJ will not release my inheritance until the taxes are properly accounted for and paid. There were 2 checks he wrote that were cashed in one of his Investors Bank accounts that the state of NJ is requesting copies of.

Though we have online access to the accounts, Citizens Bank recently acquired Investors Bank and all the prior historical data ( including digital copies of the checks ) was not brought over into the Citizens Bank portal. So we have lost that history due to no fault of our own but a failure on Citizens Bank side to keep this information. We have called Citizens multiple times and asked for copies of the checks. Every time they say " it's being researched and they'll send us copies in a few weeks ''. This has been going on for at least 5-6 months.

I called 2 weeks ago and they said they would get on it right away. Still nothing. No response.

I need to close this out with the State of NJ. I need copies of these checks. It is not right that a bank is withholding this information fro us.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-14
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: Selene Holdings LLC (PA)

This is a serious problem regarding loan servicer Selene Finance. On XX/XX/2023, I was approved for a mortgage modification by XXXX XXXX. XXXX XXXX signed off, and the document was notarized. In the days following, my mortgage was sold to Selene Finance. I was assured by XXXX XXXX that the modification would be quickly processed and honored by Selene Finance. Selene Finance has confirmed via phone since XXXX XXXX  that they do indeed have the modification documents and will honor the approval by XXXX XXXX, as they are required to do. However for the XXXX months that they have had this loan, they have not contacted the attorney for the city of XXXX, XXXX XXXX, to suspend the foreclosure. I have called Selene numerous times but nobody is returning my calls. I have sent numerous emails with auto-confirmation of receipt but nobody from Selene has replied. The clock on the foreclosure is ticking despite my numerous efforts to urge them to finally process the paperwork received from XXXX XXXX back in mid XXXX. They assure me each time I call that it will only take XXXX days, yet it's been XXXX months with absolutely no progress. When I looked online there appear to be a great many complaints about Selene to this same effect!! I am XXXX XXXX XXXX and very scared I might lose my home despite a mortgage modification approval and many attempts to communicate and fix this situation! Please help me!
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

I deposited {$25000.00} with Truist on XX/XX/year>. 
They suspected fraud. It took 2 months and a cfsb complain to get some information. They told me that I needed to tell the person that wrote me the check to have their bank get it back. That person talked with their bank, XXXX XXXX, who did a fraud investigation and said they found no evidence of fraud. 

I have tried to contact Truist for a week with no response. I have sent emails and left voice mail. 

They will not release the money to me and are doing nothing to get the money back to the person who wrote me the check. 

Truist has had my {$25000.00} for 100 days. 

At this point, I am considering filing a criminal complaint. Truist stole my money because they are not lifting a finger to get the money back to any rightful owner.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Consumer Response Division 1700 G Street NW Washington XXXX DC XXXX Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding actions taken by XXXX XXXX XXXX/ TEMPOE LLC, concerning an alleged debt they claim I owe. Despite my repeated requests, XXXX XXXX XXXX/ TEMPOE LLC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have placed this debt on my consumer report without affording me the opportunity to dispute the account, a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

Furthermore, I believe that XXXX XXXX XXXX/ TEMPOE LLC is violating my consumer rights by engaging in false, misleading, and deceptive practices. Their failure to provide validation information, coupled with their placement of the debt on my consumer report without due process, constitutes a clear violation of consumer protection laws.

According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), collection agencies are required to provide all necessary disclosures and adhere to strict guidelines when reporting information to consumer reporting agencies. XXXX XXXX XXXX XXXX TEMPOE LLC has failed to meet these requirements, thereby further infringing upon my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure that XXXX XXXX XXXX/ TEMPOE LLC complies with federal consumer protection laws. Additionally, I urge the CFPB to hold XXXX XXXX XXXX/ TEMPOE LLC accountable for their actions and take necessary steps to rectify any harm caused to me as a result of their non-compliance. 

Additionally, I am formally revoking any consent for you to communicate with me via email, text messages, or phone calls regarding this matter. Please refrain from contacting me through any of these means. Any future communication should be conducted via postal mail only. 

Furthermore, I request that you provide the following information : XXXX. Validation of the debt, including details of the original creditor, the amount owed, and a breakdown of any fees or interest charges. 
XXXX. A copy of the purchase agreement between your agency and the original creditor, establishing your right to collect on this alleged debt. 
XXXX. Proof of your agencys licensing and bonding, demonstrating your authority to collect debts in my jurisdiction. 


Enclosed with this letter are copies of relevant correspondence and documentation supporting my claims. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 


Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

On XX/XX/XXXX, I see a Collection account was posted on my SSN from all 3 credit bureaus. Below is the collection detail : Company : SEQUIUM ASSET SOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1400.00} The original creditor of this debt is XXXX XXXX I've called XXXX and confirmed I don't own them any money. Since I've got identity theft incidents happened before ( 1 credit card and 1 bank account was opened under my SSN in XX/XX/XXXX ), I believe this collection is also the result of identitfy theft.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (NJ)

I have been trying to close this account for several weeks now due to issues not being able to access my online account. I have tried requesting this via phone, via fax, and even via written letter to M & Ts XXXX office. They keep insisting they can not close my account and that i need to do it in the branch. The branch i call has no appointments and I get rudely hung up on. I need this account closed so I can move on to a bank that lets me log i to my account