davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (GA)

Monterey collection so has obtained my information illegally which violates privacy act of 1976. Furthermore FDCPA practices suggests any student loans sold or bought, transferred etc arent covered under FDCPA law. Entity hasnt shown validation of debt. Original debt instrument according to federal procedure XXXX with my wet signature. If not signature to create acceptance of contract can be shown debt can not be verified. Method of verification hasnt been furnished. Date Alleged account opened inaccurate as an original instrument can not be produced with said date. XXXX ID hasnt been furnished by MONTEREY COLLECTION SV to collect in said state ( GA ).
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collectibles Management Resources (CA)

I was billed for a XXXX XXXX and I had full medical coverage at the time of the XXXX  I contacted that collection agency to provide proof a 1095b that states I was covered and also has the information to the company who shouldve been billed and they are refusing to remove this collection from my credit profile
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am trying to unfreeze my credit for background screening for employment. However, this is the SECOND time TransUnion has made this a very difficult task. They will not take my login credentials and therefore I need to reset my password. However their login and password reset functions are down. There is no public notice about this and their error messages are VERY vague. You can not unfreeze your credit on the phone like you used to be able to do after passing identity verification. And if you write to their " service center '' - it is closed and they require 72 hours ... to reset a password? It's 2024 and this is a CRITICAL reporting agency. Last year when I had to go through this rigmarole, their service agent hung up on me and I had to keep trying for DAYS to simply log into my account. Shameful.
Consumer complaint received 2024-07-15
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 am writing to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute of the following accounts. I have contacted all the companies directly and was advised to follow these steps to resolve the issue. I have filed an identity theft report with the FTC, contacted all the companies, and now I am disputing the information. Please assist me with this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against PNC Bank for Violation of Regulation CC and Potential Discriminatory Banking Practices Dear Sir/Madam, I am writing to file a formal complaint against PNC Bank for violating Regulation CC and to request an investigation into potential discriminatory banking practices. Below are the details of my complaint : Account Information : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Bank : PNC Bank Branch Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Details of the Violation : On XX/XX/2024, I deposited a check issued by the United States Treasury in the amount of {$10000.00} into my account at PNC Bank. Subsequently, I received a letter from PNC Bank dated XX/XX/2024, informing me that the funds from this check would be delayed for 10 days. This action by PNC Bank is a clear violation of Regulation CC, which mandates timely availability of funds, particularly for U.S. Treasury checks. 

The letter from PNC Bank cited the following reason for the delay : " We believe a check ( s ) you deposited may not be paid for the following reasons : During analysis of the check, we determined that we need to verify that the check will be paid. '' Although I was able to make PNC Bank release the funds eventually, their initial action was in direct violation of federal regulations. This delay could have caused significant inconvenience and financial hardship. 

Request for Investigation into Discriminatory Practices : Given the blatant violation of Regulation CC, I am concerned that PNC Bank may be engaging in discriminatory banking practices. I request that the CFPB conduct a thorough investigation into the following : The frequency of 10-day holds placed by PNC Bank on checks issued by the Federal Government XXXX 
A breakdown of these occurrences by race and ethnicity of the account holders. 
An analysis of whether minority customers are disproportionately affected by such holds. 
Requested Resolution : I request that the CFPB investigate this matter and ensure that PNC Bank complies with Regulation CC to prevent future violations. Additionally, I seek compensation for the financial losses and inconvenience caused by this delay. It is essential for PNC Bank to adhere to the regulations to protect consumer rights and to ensure that all customers are treated fairly and without discrimination. 

Enclosed are copies of the relevant documents, including the letter from PNC Bank and the deposit receipt for the U.S. Treasury check.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Letter from PNC Bank Deposit Receipt
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc. (TX)

I received XXXX text messages on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It stated the following each time, all from the same phone number XXXX : This is Unifin a debt collector Contact us about ref # XXXX @ XXXX or https : XXXX ChargesMayApply Reply STOP to stop texts I did not click any links. Instead, I typed in the URL. It asked me to provide the reference number and last XXXX digits of my XXXX, which gave me an error. Then it alternatively asked for my full name ( error ). I decided that if there was a real debt settlement issue, they would contact me again. 

The second time, I ignored the message. The third time, I called them at the XXXX number provided. They asked for the reference number, which I gave them. Then they stated the collection was tied to a name that is not mine or my husbands, so they said they had the wrong person on file. 

It didnt hit me until after I hung up that my first assumption that it was a scam was likely true. Nothing has happened yet. All of our credit accounts have been closed and we are in a debt management program. XXXX, XXXX, and XXXX have all been notified that we are in a DMP. 

Just playing it safe in reporting this potential scam. I should have listened to my gut, but Im particularly anxious about resolving debt these days so it clouded my judgement.
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Audit Services, Inc (ND)

This is regarding the behavior of A.R. Audit Services, INC. located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. 
On XX/XX/XXXX I received a debt collection letter in the form of a legal summons through the regular XXXX mail. This was not sent via a process server of through certified mail. Previously this company has used Sheriff Deputies to serve similar fraudulent court documents. 
The entire document is written in the format and language of a legal summons or subpoena implying an active case in the XXXX  XXXX XXXX XXXX XXXX XXXX. 
It is not written in plain English and has all the appearance of legal documents for an actual active lawsuit. 
There is no file or case number printed anywhere on the document and nothing has been filed in District court as claimed by the documents. 
At the bottom of each page of the document it states " This is an attempt to collect a debt .... '' The documents never mention " future legal actions '' and instead the document repeatedly misrepresents as actual legal documents to a current active legal proceeding by using terms such as " this lawsuit '' and making demands that their " ... interrogatories shall be answered under oath ... '' Many of the demanded interrogatories are for specific information the debt collector should already have in their possession and are required to provide in a certification of the debt. 
Many of the demanded interrogatories are intended to have ME validate the debt and admit to it being MY liability without them providing any of the information or documents that they are required to. Such a letter sent to the average individual would very likely illicit an admission of liability regarding the debt as well as allow them to collect and obtain the information they may be missing in their required records. Obtaining these from individuals by deceptive and intimidating practices. 
At no time has this company engaged in any form of communication or provided any documentation regarding the debt other than sending letters of this format. 
No itemized list of debts/charges. 
No certification of the debt. 

In all of the communications, there is no statement informing me that I can dispute the debt or how to do so. 

Also no where in the documents does it state how I can contact the company to discuss or dispute the alleged debts. 
The only contact information included is in the signature line on the second to last page of the document, which is unsigned by the listed attorneys of the company.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (IL)

Greetings i have just notice that these companies listed has bought my personal information not to collect a debt but reporting for profit to themselves. This is against permissible purposes of my credit report. I do not owe any debt and refuse to pay charged off, collections accounts. Debt bondage is against the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a serious crime because I understand what fountain pen money is. There is no money gold and silver coin. Money theory and credit says that we use credit. Credit is only from the living sole. That's why corporations need and sell information to generate income through debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no law that gives debt collector the right to steal and sell my personal private information. This is identity theft and fraud on me. I will not work to pay debts that is unlawful. According to all of the privacy acts I have the constitutional right to be protected and secure. I do believe the CFPB willfully does not hold these thieves accountable to the letter of the law. The law is clear about Identity theft and permissible purpose. I do not have any written agreement with theses companies I am not lawfully obligated to pay a third party a debt that was charged off. That would be insanity paying a debt that a group of thieves bought to coerce more money from me a living man.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (PA)

A hard inquiry appears on my credit report. I believe it happened XX/XX/2017 while I was abroad. I did not attempt to secure a loan or do anything else that would have required a hard inquiry. The Creditor Contact Details are : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

Hi my name is XXXX XXXX XXXX My date of birth XXXX My Social security number XXXX My phone number XXXX I have so many different phone number they gave me and I called and nobody respond or anybody can help me out and they say that they cant see my name my social everything on the system.
Consumer complaint received 2024-07-22
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. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit applications are getting denied because my credit report has errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my XXXX XXXX and credit score due to this inaccurate information on my credit report.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

In a troubling turn of events, my husband has fallen victim to a sophisticated check fraud scheme, raising serious concerns about Chase Bank 's security protocols and their responsibility in safeguarding customer assets. 

The incident began when an insurance company ( XXXX XXXX ) issued a {$50000.00} check to the lawyer ( XXXX XXXX ) on behalf of my husband. The lawyer, acting in good faith, mailed the check to us. However, before the check could reach us ( intended recipient ), it was intercepted by an unknown party. The thief then altered the check and managed to cash it under his/her own name at a Chase Bank branch without any apparent verification of the identity of the individual cashing the check. 

Despite standard banking procedures that require thorough verification of the payee 's identity, the fraudulent check was processed, and the funds were handed over to the criminal. This breach highlights a significant lapse in Chase Bank 's security measures and poses a serious question about their commitment to protecting their customers from fraud. 

My husband & I are devastated by this experience. The check was intended to cover property damage, and now we are left without those funds due to the negligence of the bank. It is unacceptable that a reputable institution like Chase could allow such a blatant fraud to occur and not take responsibility and have us end up with this huge loss.
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Consumer complaint received 2024-07-22
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. (IL)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

I'm contacting you regarding a collection entry from your agency on my credit file. This entry has come to my attention without prior notification, and I have significant concerns about the debt 's validity. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. I ask that you provide the necessary validation and take steps to resolve this issue.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-07-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IN)

I keep getting letters in the mail from Jefferson Capital about a debt with XXXX XXXX. I currently switched to XXXX from XXXX XXXX XXXX and even with XXXX XXXX XXXX  I was getting those letters in the mail every so often, so I dont know what theyre talking about. 

Thanks for your help and time!
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (MN)

I signed up for the amazon prime rewards visa on the day of XX/XX/year>. I decided to close that account for some personal reason. I am writing this because that inquiry was promised to be removed after 2 years or by now. I even got in contact with experian since chase mostly used them, and they told me to contact chase which I did. I got into contact with chase representatives since its issued by chase. They told me numerous times we will take it off in 7-15 days but never have. To this day I have been waiting for it to fall off my credit report since its a hard inquiry and is ruining my credit score currently. This isnt right and I am not getting what I promised removed.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I am writing to report fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me, causing significant distress. I have taken immediate action to report this as identity theft. I kindly request your cooperation in investigating and removing the fraudulent information from my credit report and other records. I am willing to provide evidence and take legal action if necessary to protect my rights and seek compensation. Your prompt attention to this matter is appreciated. Thank you for your assistance in resolving this promptly.
Consumer complaint received 2024-07-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit Acceptance Corporation auto loan was open XXXX XXXX. Account Number XXXX. 

This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account