davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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: DISCOVER BANK (NC)

Subject : Demand for Removal of Unauthorized Credit Inquiry from XXXX Report I am writing to formally dispute and demand the immediate removal of an unauthorized credit inquiry from my XXXX credit report. My report lists an inquiry from Discover Financial Services that I did not authorize under the conditions disclosed to me : Discover Financial Services XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This inquiry was the result of a preapproval promotion which explicitly indicated that only a soft pull would be conducted. Contrary to this representation, a hard pull was made on my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and a deceptive practice. 

The presence of this unauthorized hard inquiry is damaging my credit score and unjustly impacting my financial standing. I demand that this inquiry be removed from my credit report immediately. I expect prompt action on this matter and will not tolerate any delays. Failure to comply with this request will leave me with no choice but to escalate this matter further, including seeking legal action to protect my rights. 

I trust you will treat this matter with the urgency and seriousness it deserves. I look forward to your prompt response and resolution. 

Sincerely, Me
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (NM)

I have never lived at this address and this is fraudulently placed on my credit report and background reports when I try to get hired for employment. I do not have the funds to hire an attorney to find the parties who fraudulently places this record on my reports. The address listed is below. 
I have never lived or rented at the address below and believe I am a victim of identity theft or falsly accused of using this address. 
Please help me remove any record of this address below because creditors are using this address on my file and potential employers can also view this address. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (OH)

I have forwarded this information over to XXXX Equifax and XXXX to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so XXXX XXXX XXXX  has agreed to remove the late payment from XX/XX/XXXX from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXXXXXX XXXX XXXX wants this removed from my credit report and these companies are giving me a hard time removing them!!
Consumer complaint received 2024-07-24
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 (PA)

My XXXX XXXX account was hacked, along with a number of other accounts of mine in which that I have since deactivated. They charged {$800.00} and some odd dollars to my debit card, I received a text about this charge however at the top of the text it didnt include information about this, yet another charge that was me XXXX XXXX XXXX so of course I clicked yes. Immediately I recognized this as a mistake and called Wells Fargo to which they took XXXX days to actually give me any information on what to do next. They finally offered me a provisional credit of {$800.00} on my account. However, they have since removed this credit and denied my claim, which is absolutely unreal. I do not have this money and it was stolen from me. When on the phone with Wells Fargo again, they hung up on me without any help! I absolutely want this reversed and the right thing done. 

I also want to mention that when attempting to receive support by XXXX, they closed my ticket and suspended my account, and nothing else was done.
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (SC)

PENN CREDIT CORPORATION IS IN VIOLATION OF MY CONSUMER RIGHTS AND WILL BE SUBJECTED TO FURTHER LEGAL ACTION IF THIS ERROR IS NOT REMOVED FROMMY CREDIT REPORT IMMEDIATELY. PENN CREDIT CORPORATION IS IN VIOLATION OF : -15 US Code CHP. 41 1601 - THE TRUTH AND LENDING ACT -18 USC 1028 A AGGRAVATED IDENTITY THEFT - 18 USC 1028 A -15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE -15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT -15 US Code 1681e ( b ) - COMPLIANCE PROCEDURES ; MAXIMUM ACCURACY - 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION -15 US Code 1692 G - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION -15 US Code 1692 C - VIOLATION OF REPORTING A COLLECTION -15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE -15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS -15 U.S. Code 1681 b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE OF CONSUMER REPORT - 42 U.S. Code 408 - ILLEGAL TO ASK OR USE/ FOR SOCIAL SECURITY NUMBER -15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY -15 U.S. Code 1681 Section 602 A Section 2 -15 U.S. Code 1602 - Rules and constructions -15 U.S. Code 1681 s -2 - Responsibilities of furnishers of information to consumer reporting agencies VIOLATION OF ORDER TO CEASE AND DESIST
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (PA)

There is a bankruptcy reporting on XXXX, XXXX, and XXXX : they have stated that they received the information from XXXX. I did not give XXXX, XXXX, XXXX, or ARS permission verbally or in writing to report any information about me or collect any data on my behalf to report to third parties. XXXX XXXX, XXXX, and Advanced Resolution Services has violated the Privacy Act of 1972 by collecting and sharing my personal information without my consent. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent multiple letters to each bureau and XXXX via certified mail.
Consumer complaint received 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened an account and deposited a check. Once the check cleared I was unable to use my account. 
After multiple phone calls on XX/XX/year> I was given zero information except for someone will call me to resolve the issue by the end of business day. When I received no call I contacted capital one multiple times with zero information given as to why or what was needed to be done. On XX/XX/year> after myself making another phone call and being placed on hold for more than 30 minutes, I was told by an agent that more verification was needed for my account. When I inquired what they needed he had no answer and told me again that someone will contact me. When I asked why I can not speak to anyone with more authority to resolve my issue now, I was again told they will contact me and that I " should not miss the call as there is no way to get a hold of them from our end '' by the representative. I have no access to my business funds, and have no resolution in sight other then to wait for a mysterious individual who no one seems to know if they exist to possibly call me at their leisure.
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

I pulled my credit report and a negative account showed. I have never had an account with either XXXX XXXX or XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. 
I am a XXXX senior, XXXX XXXX XXXX, and haven't opened aa account in XXXX years. I have disputed this debt and they have made no attempt to contact me, just put negative information on my credit report. Please tell them to correct this problem immediately. Thanks
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NY)

I have requested that resurgent cease and desist! and they have refused per the FDCPA 15 usc 1692a ( 2 ) the term communication means the conveying of information regarding a debt through any medium. A consumer report is a medium so they need to delete this alleged debt from my consumer report of this will be considered harrasment and abuse per federal law,
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (TN)

They reported my account as charged off yet still report a balance which is illegal and grounds for deletion. Months of being charged off with a balance ( again illegal ) then they reported a late payment in XXXX of 2023 after me filing a dispute on XXXX  which could be received as retaliation to that dispute. Since then no updates to " payment '' so they illegally furnished a false late payment to hurt my credit score in retaliation to my dispute request.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

While checking my credit report a few months back, I noticed errors concerning the account for LVNV FUNDING LLC ( 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 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. XXXX XXXX related to accuracy and fairness in credit reporting.
Consumer complaint received 2024-06-16
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. (TX)

Pursuant to a XX/XX/year> visit to XXXX XXXX, an auto sealership, seeking financing for a vehicle. I completed an application for the vehicle with the understanding my credit file was to be pulled XXXX time for review, only to find out my personal information was shared with XXXX other financial institutions without my permissible authorization, that has equated to XXXX different inquiries reflected on my credit. My personal information was forwarded to the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (NC)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (VA)

XXXX XXXX told me had to replace phone, did on XX/XX/XXXX, bought on line from XXXX on Discover card for {$93.00}. Several hours later fixed phone and tried to cancel, XXXX refused and I started dispute with Discover. Contacted XXXX 's agent, XXXX in NY, and they supplied me with a mailer to send back unused phone. Have proof they received on XX/XX/XXXX. Many emails, texts and faxes later XXXX lied to Discover about every thing, sent all documentation to XXXX and Discover to no avail, XXXX said because of Discover dispute they would not refund, Discover has copies of return from XXXXXXXX XXXX agent XXXX and will not refund my {$93.00}. They are complicit in fraud with XXXX I have copies faxes sent to Discover which include USPS label and number and pertinent messages emails from all parties. I guess Discover needs money by any means to pay their horrendous fine. I have been with Discover for many years and my credit rating hovers around XXXX. Discover is also reporting me to all credit agencies, this reeks of intimidation.
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MO)

I have been double billed for XXXX wireless phone numbers that I paid for and the payment reflects on the attached bill. I have disputed this XXXX XXXX XXXX  debt with the FCC and XXXX XXXX XXXX claimed they would resolve this but lied. 

I have proof of payment. This company is harassing me for payment not owed. They are ignoring my dispute, contacting extended family members, texting and calling.
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (FL)

I found a charge of {$640.00}, - on my credit report on XXXX from a company called Collections Management Co. After some research I only found a company called Credit Management Company , which was the first odd thing about it. I called and tried to get information about this debt to verify it is not a scam and was told this is a collection for an ER visit on XX/XX/XXXX in XXXX but there is no original contract with the original creditor " Island Medical Bluefield LLC, '' there is no proof that this debt is from me and the only thing they can provide me with is a collections bill. While I did go to the ER in 2018, right around that time, I paid all my bills with the Regional Hospital and settled all my debts. I fear my information must have gotten compromised in a data breach or similar. Bluefield College, now Bluefield University, my alma mater has just recently announced a data breach and I fear that this is correlated.
Consumer complaint received 2024-07-17
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 (AL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a Section 2 consumer reporting agency can not furnish an account without my written instruction ; 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-01
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NVR INC. (OH)

When I agreed to build with XXXX XXXX the sales representative at XXXX XXXX presented a {$12000.00} incentive. She said we only benefit from that if we use NVR mortgage. She said we can use whomever we want but its easier with NVR. The representative said we can use the incentive towards anything on the house. 

Later once NVR started quoting me mortgages I noticed shockingly high closing fees. NVR was overall cheaper than other lenders but the XXXX incentive was gobbled up with high fees. I felt complete taken advantage of and misled by this bate and switch method they practice. I reached out to several other lenders and they all advised me of this shady practice. I was being charged {$6000.00} plus in points to buy the rate down to a fair market value. Closing costs were around {$18000.00}. XXXX XXXX closing costs were around XXXX. This was obviously very upsetting. Overall NVR on paper was cheaper but they completely mislead the incentive they pitch. NVR is owned by XXXX XXXX which is also shady. 

I asked my representative through NVR to talk via XXXX. She said that she will talk with her managers but unless I show another competitor cheaper on paper then that was the best they could do. My credit is outstanding and I hold no debt. I put XXXX % down as well. I asked the representative if they do refinances and she said no. Weird? I then asked her if NVR would quote me a mortgage as if I was buying a home somewhere else not with XXXX and be competitive and she said they only do mortgages for XXXX. 


Im very disappointed with XXXX and NVR. This is a shady business practice taking advantage of the average American.

Im requesting this agency intervene asap as I need to pick a lender within the next week. I feel mistreated and taken advantage of by their shady incentive.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX, XXXX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of JEFFERSON CAPITAL SYSTEMS to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX