davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (CA)

To Whom It May Concern, I am writing to file a formal complaint against MRS BPO LLC, regarding their unlawful actions that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F ( 12 CFR Part 1006 ). Specifically, I believe these collection agencies have not adhered to the following regulations : Failure to Provide Validation Information : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), MRS BPO LLC have failed to provide the required validation information upon my request. Despite this failure, they have placed a collection account on my consumer report. 

Denial of Dispute Opportunity : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given a reasonable opportunity to dispute the accuracy of the debt with MRS BPO LLC.

Use of Deceptive Practices : MRS BPO LLC have engaged in false, misleading, and deceptive practices in their attempts to collect the alleged debt, which is a direct violation of consumer rights protected under federal law. 

Furnishing Information Without Required Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), MRS BPO LLC have unlawfully furnished information to consumer reporting agencies without providing me with all required disclosures. 

Additionally, I dispute owing any and all debts to MRS BPO LL. Therefore, I hereby revoke all rights of MRS BPO LLC to communicate with me via email, text messages, or phone calls regarding this matter. 

Furthermore, I formally request the following from MRS BPO LLC : Debt Validation : Provide validation of the alleged debt, including itemized statements and documents proving the debt 's validity and ownership. 

Purchase Agreement : Furnish a copy of the purchase agreement or contract between MRS BPO LLC and the original creditor demonstrating their legal authority to collect this debt. 

Proof of Licensing and Bonding : Provide documentation proving that MRS BPO LLC are licensed to collect debts in California and bonded as required by law. 

These actions by MRS BPO LLC have caused significant distress and financial harm. I have attached relevant documentation supporting my claims, including copies of correspondence with MRS BPO LLC. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure MRS BPO LLC comply with federal law. I also request that this collection agency cease all collection activities related to the disputed debt until these violations are resolved. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

This agency is violating my Consumer rights by using false, misleading, misrepresentation, and deceptive means. I made previous attempts to contact this company and the original owner to fix these issues directly with them, and THEY are violating my rights, and I am entitled to compensation of up to {$1000.00} for this violation. They either pay me or delete it from my consumer report.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (GA)

I have inaccurate information reporting to XXXX XXXX. This bank is no longer a company. There is no way to reach this bank and when I asked for validation of debt it wasent provided by XXXX XXXX, yet it came back verified and they failed to remove this account. XXXX XXXX is a XXXX party company so my question is how and who verified this information. Below I copied and paste the information that was given to me by XXXX XXXX. I also have some inquires thats reporting to XXXXXXXX XXXX thats not valid. Everything is copy and pasted below. 

Source of Information : SUNTRUST BANK ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : Telephone Number Not Available Reported For : OVERDRAFTS ; REPORT IS DISPUTED BY CONSUMER ( XXXX ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXXXXXX XXXX Date of Closure : XX/XX/XXXXXXXX XXXX # : XXXX XXXX Original Charge Off Amount : {$360.00} Core Sat XXXX XXXX XXXX XXXX XXXX thats also being reported are attached below Inquires : XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (NY)

i was contacted by phone in XXXX XXXX to take a XXXX loan which was used to pay off other bills. 

The monthly payment for the loan is XXXX. 

At the end of last year, I was advised by the IRS my taxes for XXXX and XXXX had not been done correctly. I will have to go on a payment plan in XXXX of XXXX to XXXX per month for 9 years to settle the balance due to the IRS. I had no idea the taxes were not done correctly. It was the fault of the tax preparer. 

The tax installment payments due are a force majeure/unforeseen event. I have asked BHG twice to revise the terms of the the loan to extend the time and lower the monthly payments to XXXX per month due to the force majeure/unforeseen event. 

BHG refuses. 

I need money to eat and therefore need the loan terms revised due to hardship. 

The loan terms are usury under the applicable Delaware law. 

XXXX per month for 7 years at an annual percentage rate of 20.99 % is usury. 

It is unconscionable that BHG refuses to revise the loan terms due to the XXXX  XXXX  event. 

I can provide documentation that supports all of the above.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/year> I found out about the unrecognized account XXXX affiliated with Bank of America with a credit limit of {$700.00} on XXXX, with a balance of {$14.00} already. 
Same day, I filed an indentity theft report to law enforcement via Federal Trade Commission 's XXXX website ( letters attached ) I contacted Bank of America to report this but the representative could not locate the account given my personal information and can not resolve this matter. Representative suggested me to contact XXXX. 
I contacted XXXX to file a dispute.
Consumer complaint received 2024-08-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (MO)

I received a call from Maxlend asking me to return their call regarding my loan. I did so on Wednesday, XXXX XXXX. I spoke with an Advanced Customer Representative. She asked me how she could help and I explained to her that I was in a debt consolidation plan ( XXXX XXXX XXXX ) and that I needed a statement ( email ) with my name, address, amount borrowed, amount due and account number. I told her there was no where on their website for me to garner that information for the debt lenders. She said hold and Ill send the email now. I never received the email. Yes, they have my email address in their system correctly because I receive many emails regarding my account. Maxlend has called me approximately six times since that call asking for me to return their call regarding my past due account. Since the 7th phone call I have asked an additional three times to no avail.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-08-04
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: EQUIFAX, INC. (AZ)

I dont recognize any of the hard inquiries on my credit report only recent ones i know of is for XXXX  on and for XXXX XXXX with in. The last week, also a dismissed chapter XXXX bk from Illinois that isnt suppose to be on because never finished and reported incorrectly
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX. XXXX, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers XXXX prohibited acts, including : Producing or transferring false or unauthorized identification documents
Consumer complaint received 2023-08-09
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. (DE)

Please correct my inquires to remove from my credit report. I have had numerous identity theft, data breach and non-verified accounts. Please see attached detailed letter. This is also for incorrect payment history on my student loans. This is just a mess to my entire financial wellbeing.

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized. 
your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any suc document is immediately mailed to my address listed above so that I may review.

it. If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 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.
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

Today I received an email from AMEX telling me I need to may an extra payment in 4 days or they will decline purchases and reduce my credit limit. They did this to me last year and I made the extra payments, but I believe this activity to be unethical or possibly illegal. My accounts are not past due. I make my payments on time every month. They need to be held accountable for strong-arming customers who are already dealing with financial stress. If I didnt have to use my credit cards right now I wouldnt. I do not want to but my husband and I have been unemployed for some time and only recently found jobs.
Consumer complaint received 2024-06-24
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. (NJ)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2019-08-01
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. (CA)

The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Consumer Financial Protection BureauOffice of Complaint ResponseXXXX XXXX XXXX, XXXX XXXX, MD XXXX Spring Oaks Capital [ Spring Oaks Capital XXXX XXXX XXXX XXXX, Va. XXXX ] RE : Dispute of Debt and Cease and DesistAccount Number : [ SPRING OAKS CAPITAL Account # XXXX ] Dear Consumer Financial Protection Bureau and Spring Oaks Capital, I am writing to formally dispute the alleged debt owed to Spring Oaks Capital, as indicated on my account number [ # XXXX ]. I am requesting that Spring Oaks Capital immediatel cease and desist all communication with me, including but not limited to telephone calls, mail, and email. This includes the remova of any information pertaining to this alleged debt from my consumer reports. 
I am requesting a copy of the original purchase agreement for this alleged debt. Please note that mere statements are insufficient evidence of a debt, as outlined in the case of XXXX XXXX XXXX versus XXXX, XXXX XXXX  XXXX. 
I am requesting that Spring Oaks Capital immediately cease and desist all communication with me, including but not limited to telephone calls, mail, and email. This includes the removal of any information pertaining to this alleged debt from my consumer reports. A consumer report is considered a form of communication, and therefore, this cease and desist includes the deletion of any information related to this alleged debt from my consumer reports. 
Should you fail to comply with this request within fifteen ( 15 ) days, I will initiate legal action against Spring Oaks Capital for harassment, abuse, and violation of the Fair Debt Collection Practices Act ( FDCPA ). The potential costs to Spring Oaks Capital for such litigation will include but are not limited to : ATTACHMENT SEE EXHIBIT A. First Notice, EXHIBIT B. Second Notice Attorneys fees Court costs Statutory damages Potential punitive damages I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX SSN:XXXX
Consumer complaint received 2024-08-09
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 (FL)

I had my card stolen while I was on XXXX XXXX, there was {$600.00} worth of charges on my account. Wells Fargo said because its places Ive spent money before ( groceries ) that they will not accept the claims.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (KS)

Hello, I have a credit card with citi. I haven't used the credit card in months and the card number was stolen. Puraches were made in XXXX and I live in the XXXX. All the transactions have been removed from my account accept one that is clearly a purchase made in XXXX. I had one representative tell me it would fall off and I didn't owe it. I called on the due date when the charge didn't fall off and was told I had to pay it even though it is fradualent and I was already told I didn't have to pay it.
Consumer complaint received 2024-08-09
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: Bread Financial Holdings, Inc. (GA)

I have been disputing this particular card because it was fraudulently opened using my information. I was incarcerated for 6 months in XXXX XXXX XXXX, during my time there this account was opened using my information. I did not authorized my information to be used, nor did i used this card in any of their store. They have not provided me with any of the information i have requested on multiple occasions. I have filed a police report and and FTC Report in regards to this identity theft matter.
Consumer complaint received 2024-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (IN)

II received an E-mail from Freedom Mortgage that I would receive a surplus check for {$3700.00} from the escrow analysis they did. XXXX XXXX, I called them and talked to XXXX and informed her that I have not received the check along with the escrow analysis statement. She told me that they mailed it out XXXX XXXX. I informed her that I have not received it, she told me to call back XX/XX/XXXX that is when they would put a stop payment on the check and re-issue another one. I called them XXXX XXXX and talked to XXXX and told him the situation about the surplus check that I have not received the check in the mail. He informed me that they can direct deposit the money in my bank account. I gave him my banking information and told me that the money would be deposited in 3-5 days, if it was not in my account by XX/XX/XXXX, for me to call them. I called them back XX/XX/XXXX and talked to XXXX, he informed me that it was still in process. Called them XXXX XXXX and talked to XXXX and told her what the last person told me about the situation, and she informed me that they DO NOT do direct deposit money to a customer 's bank account, they only mail them out. She told me that if the customer did not receive a surplus check from them, they would have to wait 30 days before they issue another check out. She told me that they issued another one out XXXX XXXX and that I should receive it in 7-10 days. I called them XXXX XXXX and talked to XXXX and informed her the situation. She tells me that if I did not receive the check next week, for me to call then and that they would send it direct deposit. I informed her that the last person that I talked to told me that they do not do that, and all she kept telling me is that If I did not get the check sometime next week, for me to call them and that they would do direct deposit.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$570.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$4200.00} Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX : Balance : {$310.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$810.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$980.00} 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 if the person knows or has reasonable cause to believe that the information is inaccurate