davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Credit Fresh Holdings Inc (TX)

CreditFresh is licensed by Texas XXXX as a Regulated Lender, under license XXXX, Master File Number XXXX with a current license status of ACTIVE. 

I transacted with CreditFresh on/about XX/XX/2023. Despite the aforementioned ( in the previous paragraph ) CreditFresh made no representations that it was a Texas-regulated lender, failing to display any such indication ( by way of Texas XXXX license number, master file number, or so much as even a statement in affirmation of the fact ) on/in ANY place of its documents ( not even anywhere on its website ). This violates state law, namely XXXX XXXX XXXX XXXX. 

As such, due to the gross neglect and/or willful failure of this Regulated Lender to display their Texas XXXX XXXX, the Regulated Lender should be treated ( at least for this transaction ) to be an unlicensed lender. 

Pursuant to state law, namely XXXX XXXX XXXX sec. XXXX, a contract made by an unlicensed lender is void and unenforceable. 

***** Additionally, I want to state that it is my belief that the fee structure for CreditFresh, given that it is a Texas Regulated Lender is unique and likely illegal, as it does not advertise " CAB rates '' like other CABs or Regulated Lenders. Because CreditFresh did not advertise its fees as CAB fees, the fees should be considered to NOT be CAB fees. As such, CreditFresh 's fees likely violate state usury laws. 

***** Further, it is my belief that CreditFresh broke state regulations/laws by failing to offer Extended Repayment Plan or extended time to repay ( unlike XXXX / XXXX ) , and instead offered to ( at best ) delay XXXX payment to the end of the cycle. This action or inaction further preys on the consumer, preventing them from escaping the loan contract, and being bound to its terms ( which as stated above, may be illegal to enforce and/or sell ).
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

DEAR RESPECT SIR, I also request you to reply me please take more time problem satisfactory problem boot not fail no result my future project of XXXX XXXX  is on the verge of cancellation just XXXX XXXX you tell me more remember me fix my XXXX XXXX in order. That's undesirable. 

XXXX XXXX REPORT SCORE IS XXXX THIS SCORE IS XXXX TO XXXX SAME REPORT AFTER XXXX XXXX NO NEW ACCOUNT NO NEW OVERDUE NO NEW ACCOUNT XXXX  NO CHEQUE BOUNCE HOW TO DECREASE MY SCORE IF MY TRACK RECORD HISTORY IS BAD WHY ARE SHOWING MY XXXX XXXX IN XX/XX/year> TO XX/XX/year> SCORE IS XXXX WHY The same bank that you have given me the XXXX XXXX  up to XX/XX/year> or the same my loan is running if its record is correct from XX/XX/year> to XX/XX/year> then my score was same as the old one then why did it get better i did not take this new loan what could be the case You are in LOAN, study it and give a report. The report that was given on XXXX XXXX is the same report. I have come across time. I did not feel anything different. For 6 months, the data is the same. Everything is the same. The payment report is the same. There is nothing new. Then why has the report changed? NO ANY NEGATIVE TRACE RECORD
Consumer complaint received 2024-08-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (OH)

On XX/XX/year>, I found debt collection accounts of CACI on my credit report. I immediately contacted the debt collection company and negotiated the total balance to {$940.00}, I requested them to delete those accounts from my credit report, then sent me a receipt to prove that, they agreed and sent me the documents. So I paid {$940.00}. However, today XX/XX/year>, I still got a phone call from them and they said I didn't pay for that and needed me to pay for the balance, I told them I had already paid in full and got the document and the accounts would be deleted in 30 days. They refused to admit it and kept trying to charge me more.
Consumer complaint received 2024-08-30
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: SUNRISE CREDIT SERVICES, INC (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear SUNRISECRED, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5. 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law. 

I assert with unwavering certainty that I have not provided consent for SUNRISECRED to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SUNRISECRED immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/year> I added {$400.00} to my venmo account in an attempt to pay rent. After sending {$200.00} to my landlord my account suddenly got frozen and I was no longer able to access the funds. I got an email shortly after stating that my ID needed to be verified with no further information about why my money was not going to be released. I emailed support twice asking for assistance and both times I was met with a representative who stated that they could do nothing about this and that I must wait XXXX days. Im now reaching out to you because I dont know how Im going to be able to pay my rent. I dont think theyre going to unfreeze my account or release my money. I need help and I dont know where to turn. I looked online and found multiple other stories of people who had similar amounts of money held by Venmo in addition to stories about even more money being held. This feels like a scam and Im afraid Ill never get my money back let alone in time to stay off the streets.
Consumer complaint received 2024-08-30
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (WI)

XX/XX/2024 XXXX I spoke with the representative calling from Regional Finance and told them to stop calling me at work, that they were going to get me into trouble with my boss. 

XX/XX/2024 XXXX Again I spoke with the representative calling from Regional Finance and told them again to stop calling me at work, that I was going to get in trouble with my boss and that they have been harassing me with multiple daily phone calls every day of the week.
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (IL)

ITS EIGHT ( 8 ) MONTHS SINCE FULL PAYMENT - TITLE HAS NOT BEEN RECEIVED! 

NARRATIVE XX/XX/XXXX - 'MR.COOPER ' LOAN CO NOTIFIED US THAT OAN IS PAID IN FULL : LOAN NUMBER : XXXX XX/XX/XXXX - NOTIFIED XXXX OF XXXX BREACH THAT " THERE WAS UNATHORIZED ACCES TO CERTAIN SYSTEMS BETWEEN XX/XX/XXXX AND NOVI, XXXX, WE ARE THEREFORE PROVIDING YOU WITH PROACTIVE FRAUD ASSISTANCE T HELP ANY Qs THAT YOU MIGHT HAVE OR IN THE EVENT THAT YOU BECOME A VICTIM OF FRAUD '' THIS SERVICES ARE PROVIDED BY XXXX THROUGH XXXX XXXX, A XXXX XXXX LETTER SIGNED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

FOLLOWUP CALLS MADE TO THEIR CUSTOMER SERVICE AT XXXX AND/OR LEAVING VOICEMAILS SINCE XXXX XX/XX/XXXX ONCE A WEEK BUT TO NO AVAIL ( PERSONNEL NEVER RETURN CALLS )
Consumer complaint received 2023-03-27
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. (WI)

According to the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

Chex Systems is Illegally reporting misinformation and wasn't given any permission by me to do so. 

Chex Systems reported me for suspected fraud activity on XX/XX/year> Account Number : XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Under the FCRA ( 15 U.S. Code 1681 et seq. ), consumer reporting agencies must ensure the accuracy and fairness of the information reported. The inclusion of fraudulent information is a direct violation of this requirement. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA ( 15 U.S. Code 1681 et seq. ), which amends the FCRA, provides consumers the right to dispute and correct inaccuracies in their reports. The incorrect reporting of a fraudulent check undermines this provision. 

Identity Theft and Assumption Deterrence Act ( ITADA ) : This act ( 18 U.S. Code 1028 ) addresses identity theft and the use of false identification. Reporting a transaction made through fraudulently obtained information contravenes the protections afforded under this law. 

Consumer Financial Protection Act ( CFPA ) : Under the CFPA ( 12 U.S. Code 5531 et seq. ), financial institutions and reporting agencies are required to protect consumers from unfair practices, including the reporting of fraudulent information.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b : This section outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. Reporting a fraudulent check without my authorization or a permissible purpose constitutes a violation of this requirement.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

With guidance from the CFPB, the required documents and a letter from an advocacy group assisting me due to debt bondage XXXX XXXX under XXXX XXXX XXXX XXXX ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I request that you block and delete the listed accounts from credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I am indeed a victim of debt bondage human trafficking and request that all listed accounts be blocked and deleted from my Transunion credit report. 

Delete and block these accounts from my Transunion credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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: Colony Brands, Inc. (RI)

First Colony Brands lied and bullied me. There letter stats that they charged the XXXX closed accounts as a charge off and took a loss. And that they still collect the debt. Was a charge off in XX/XX/year>. Then I wrote to the XXXX and there response was that all XXXX accounts were charged off and placed with collection agencies. They said they would reissue a XXXX. So Colony Brands say they can collect the debt after they charged it off as a loss, sent to collection agencies. If it was charged off as loss and sent to collection agencies by FCRA law they must report to Credit Bureaus the balance, amount due all Zero 's. Then I sent XXXX all letter 's and documents and there not following the FCRA laws even with proof. So XXXX isn't practicing the law. They know it and this has gotten me XXXX out. So over the past year XXXX always say been verified as accurate even with the proof of letters, and response from Colony Brands. Both companies, Colony Brands and XXXX are not practicing the FCRA laws. I ask that this be resolved as soon as possible.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (SC)

I reached out to this company several times XX/XX/year>, XX/XX/year>, XX/XX/year> in efforts to verify that this company was licensed to collect debt in the state of South Carolina. According to XXXX XXXX XXXX, this company is not registered to collect the debt in question in the State Of South Carolina , and by law, has to remove this debt from all credit reporting agencies immediately.
Consumer complaint received 2024-08-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (WI)

My identity was stolen And some one made Fraudulent Bank Accounts And Also Applied for Credit cards And Instore credit cards in my name without my permission I contacted law enforcement and also the credit Bureaus explaining this and Now this is my last hope for this issue to be resolved please help me
Consumer complaint received 2024-08-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I received XXXX American Express XXXX cards as a bonus and have tried to use them on a number of occasions without success. The merchant tells me the card was declined by the bank and American Express confirms that the cards each still have the {$500.00} balance. I tried calling American Express again after trying to use XXXX of the cards today. They were no help, only a recording that started to direct me to a website and then was disconnected. I am an American Express XXXX cardholder and tried to engage them - without success as they have nothing to do with the gift card portion of their business.
Consumer complaint received 2024-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (AZ)

I've received conflicting and -- at times -- misleading information from my current mortgage provider ( PHH Mortgage ) ahead of a XXXX transfer to another loan provider ( XXXX XXXX  ). 

On XX/XX/XXXX, I received a formal notice of servicing transfer from my current mortgage group that stated all payments to them should cease on XX/XX/XXXX and any payments received after that would be forwarded to my new loan provider. On XX/XX/XXXX, I received a new mortgage statement from PHH for XXXX, saying I owed them for the XXXX payment and " If payment is received after XX/XX/XXXX, a {$100.00} late fee may be charged. '' When I called their customer service desk today, the automated system repeated this information. 

It was only after waiting to speak with a technician that I was assured 1 ) the second letter was an automated notice and can be disregarded, 2 ) I can prepay the XXXX balance to them, that's why they sent it out, and 3 ) any payments made to PHH for the XXXX balance would be noted and updated with XXXX. However, with this last case, there is no documentation of this provision anywhere on their website or the literature they provided to me. No where on either the notice of servicing transfer or the mortgage statement does it present this as an optional payment to PHH prior to XXXX XXXX  assuming my loan -- for this same quoted billing cycle. 

With respect to the other two items, I can understand the nature of automated messages but, since they admitted their system shows my mortgage transferring after XX/XX/XXXX, it feels incredibly dishonest to misrepresent on their automated forms and phone systems that this is a bill DUE ( not as an optional prepayment ) and is one with a financial penalty for late payment. 

Honestly, the whole experience feels like a scummy mortgage company that sends out misleading and false bills in an attempt to trick unsuspecting borrowers to make duplicative payments.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc. (PA)

Sworn Statement Regarding Debt Collection by State Recovery Systems I, XXXX XXXX, state the following : State Recovery Systems has been trying to collect a debt on a credit card account originally with XXXX XXXX XXXX XXXX. This account was opened due to identity theft. They wrongfully placed a collection on my credit report, even after speaking with me and confirming that I am not the owner of the account and had no knowledge of it. I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which offers protection to victims of identity theft, and Section 623, which outlines the duties of those who furnish information to credit reporting agencies. 

Additionally, I have never signed any contracts or conducted any business with this debt collector, so they have no legitimate reason to possess or use my personal information. 

I am requesting that this incorrect and damaging collection be removed from my credit report immediately. 

I swear under penalty of perjury that the information provided in this statement is true and accurate to the best of my knowledge.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (GA)

I was scammed by a person named XXXX XXXX through remitly via small transactions and have since filed a police report which I offered to give to the company through customer service to at least hopefully get some of my money back but instead the company gave me a horrible attitude, did not offer to do anything nor help me in this matter and instead banned MY account for reporting the incident! Worst company ever! I have a full pdf of the police report filed to the FBI and a copy of the scammers passport as well if needed
Consumer complaint received 2024-08-28
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: ProCollect, Inc. (NC)

XXXX seperate letters were sent to XXXX, XXXX, & XXXX by certified mail. 
Most recent date being XX/XX/year>. 
These letters I sent were requesting proof this account had been verified or deleted because I have not contracted with ProCollect Inc. I have not received proof of verification of debt by any Credit Bureau or company. 

I reached out to ProCollect Inc by phone & they would not provide me with any info to the validity of the alleged debt or chargeoff unless I paid them XXXX which is extortion. 

I would like for this account to be removed as many of the consumer rights have been violated by ProCollect Inc & XXXX  XXXX  credit bureaus.