davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (GA)

. Subject : Dispute of Inaccurate Information on XXXX, XXXX, and ARS Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and ARS consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, XXXX, and ARS report. Specifically, I ask that : XXXX. XXXX, XXXX, and ARS provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and ARS corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and ARS report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Dear Sir/Madam, FAIR COLLECTIONS & OUTSOURCING ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-04
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

Please see the previous response by XXXX XXXX. They stated they updated the amount owed on my credit report, However, they only submitted to XXXX and not the other two credit bureaus. Additionally, they did not accurately report the date of the debt to any of the credit bureaus. They are reporting the recently occurred, when the debt is from 2017 and they recently purchased it. The dates and amount owed should be accurately reflected to all XXXX credit bureaus. See attached.
Consumer complaint received 2024-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX XXXX 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 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (KS)

My family hit some hard times and I did XXXX  insufficient funds within my checking account. However, I also did pay XXXX for each one. I have been with the bank since XXXX  and have never had checks bounce, etc. My husband recently used the UMB mobile app to deposit his checks totaling over XXXX. Keep in mind we have done this 2 weeks ago and they held all but XXXX for the weekend. well this time they 1st withheld funds totaling more than I deposited ( I have screenshots ) and this morning they changed the mobile app showing that I have XXXX but available only XXXX. They will not work with me or even give me enough to feed my family. it is my husbands money that he worked hard for. we were not overdrawn at the time of the deposit and have more than enough for any fees they think they deserve. I have tried to also work with the branch and they advised XXXX ) that the guy I was told by the UMB Customer service number who had placed the hold was not an employee ( note : he appears to be a XXXX XXXX of UMB XXXX XXXX ) There is NO one that can release the hold so I would have to wait until XX/XX/XXXX to receive the funds XXXX ) when I requested to speak with someone higher up they hung up on me. So now if anything I have that direct debits for payment will not cause another 36 insufficient fund fee. So all of this is for the banks advantage not mine even thought they said they were protecting me!!! Who is going to feed my family this week?
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (GA)

Re : Urgent Third Complaint Against NCB Management Services Request for Immediate Deletion of Inaccurate Debt I am writing to file my third complaint against NCB Management Services regarding an inaccurately reported debt entry on XXXX credit report. Despite my previous complaints and the CFPBs involvement, the inaccuracies remain unresolved. I am requesting the immediate deletion of this erroneous entry. 

Backgroundd of Previous Complaints : Initial Complaint ( XXXX XXXX. XXXX ) : Date Filed : XX/XX/XXXX Issue : Auto debt and written notification about the debt Status : Closed, company responded Details : Requested verification of the debt ; however, the details provided were inaccurate. 
Second Complaint ( XXXX XXXX. XXXX ) : Date Filed : XX/XX/XXXX Issue : Credit reporting and improper use of report Status : Closed, company responded Details : Highlighted that the verified debt was inaccurate, showing improper use of my credit report. 
Current Issue : Despite the CFPBs intervention and my previous complaints, NCB Management Services has failed to correct the inaccuracies. This violation contravenes the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which ensures consumers ' right to dispute and correct incorrect information on their credit reports. 

Evidence of Inaccuracies : Account Type Discrepancies : XXXX : Listed as an " Open Account. '' XXXX : Listed as a " XXXX XXXX. '' XXXX : Listed as an " XXXX Account. '' Under 15 U.S.C. 1681e ( b ), furnishers must provide accurate information. The differing account types reported by each bureau signal potential inaccuracies that need thorough investigation. 
Frequency of Updates : XXXX : Updated monthly. 
XXXX : Reporting collections monthly since XX/XX/XXXX. 
XXXX : No updates for the past XXXX years. 
According to 15 U.S.C. 1681i, outdated or inconsistent reporting suggests inaccuracies. The irregular update frequency further implies that the reported information may be incorrect.

Request for Immediate Deletion : DDue to the ongoing inaccuracies and violations of FCRA provisions, I respectfully request the immediate removal of this inaccurate debt entry from my credit report. The continued presence of this erroneous information constitutes a violation of the FCRA 's accuracy and completeness requirements. 

Supporting Documentation : Enclosed are copies of all relevant documentation, including prior complaint correspondence and evidence demonstratingg the inaccuracies. 

Conclusion : I urge the CFPB to take urgent action to ensure NCB Management Services promptly removes this incorrect entry from my credit report. Your immediate attention to this matter is crucial, and I look forward to a swift resolution. 

Thanks you for your urgent attention to this matter.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I purchased a a car with written promise to service and repair things on vehicle as agreed. Warranty does not service issues as promised and will not offer help due to hard ship with car breaking down 3 days after it was purchased and days before it was due promised service of car on following Monday after purchase in XXXX Thursday XXXX. Filed complaints with state and still nothing
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (TX)

This is my formal complaint to FLAGSHIP CREDIT ACCEPT. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. 
In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NV)

I sent a letter requesting to fix the 30 day late payment from XX/XX/2023. 
Company received the letter but has not responded. 
I was sent a letter showing I was refunded the late payment fee, but the credit history was not corrected. 
I was never late on any payments.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a XXXX XXXX American Express card. I was never late paying the account and never exceeded the credit limit. XXXX chose to close my account without warning. The cash back I had earned was confiscated. XXXX can close my account but the rewards from my account should be paid to me.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (IN)

I am unaware of this Debt I didnt have the proper opportunity to Dispute this Debt. I didnt receive proper notification if in fact you believe I received proper notification please provide the proof of the Certified Mail With Receipt with my signature on there stating I received it
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (MO)

I refinanced my home loan on XX/XX/XXXX. Newrez, LLC, dba Shellpoint received a wire from the title company in the amount of {$680000.00}. We have proof the wire was received by them. They can not " find '' where they applied the wired money. The money was wired precisely as was instructed by the payoff letter that was generated and it was wired by the title company with proof of the wire being sent and received by Shellpoint. I became aware of this when they called me telling me I was " late '' on my mortgage payment, which had been paid off in full on XX/XX/XXXX. This has led to numerous calls between me and Shellpoint, my mortgage company and Shellpoint and the title company and Shellpoint and Shellpoint has no explanation and their only action has been putting " notes '' in their system about the problem. This is a nightmare. If this is not cleared up by the XXXX I will have it reported on my credit report that I am a late payer. They say when this is fixed they will " back date '' it to the XXXX but at this point I have XXXX confidence in this company. In addition they need to release {$6900.00} to me in escrow funds that should have been released when the mortgage was paid in full.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

While checking my credit report a few months back, I noticed errors concerning the accounts for PORTFOLIO RC ( XXXX, XXXX ). This is a violation of my rights. I contested these errors with the XXXX credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC. 

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (PA)

Created account with Early Warnings. Submitted a request regarding my consumer report and uploaded DL picture. After 3 days I was unable to login into account with notice account/password incorrect or location restricted. I successfully submitted request to change password and received an email where request was denied without explanation. I called Early Warnings where representative explained that account access available 6 times to log into it. Im concerned about this. However, I was notified that report will be sent to the email in 30 days. On the XXXX XXXX Early Warnings page where company must provide report in 15 days.
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I was renting a property from XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX that was deemed inhabitable via code enforcement. I received an email from XXXX stating on XX/XX/XXXX stating that they were releasing me from all debt via the lease and any expenses for me to move. I also received an email in XX/XX/XXXX stating they would give me a {$1200.00} credit and they would be processing my security deposit to refund me. Code enforcement Processed a lawsuit against them and they transferred me into another house. They charged me for damages on a house that caved in and deemed inhabitable due to sewage back up from the septic tank inside the house the the floor caving in. XXXX finally allowed me to move after XXXX  months of complaining once code enforcement got involved. 

When I transferred into another home they sold most of their properties due to lawsuits from tenants. When they sold the current home that I am living in to XXXX XXXX the balance that was transferred was {$4000.00} credit on my ledger. They sold this debt to Genesus, a credit collections company whom have been attempting to collect on debt that I do not owe. 

I don't owe any money to this company. They don't have a judgement or a lawsuit and they never refunded the original deposit. I had to pay a new deposit to move into the new home. 

This charge is fraud and they are trying to collect on debt that I do not owe.
Consumer complaint received 2024-07-15
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. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under The fair credit reporting act states : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Please remove the following items from my credit report, immediately. 


XXXX XXXX XXXX XXXX