davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (WI)

Was alerted, via Bank Credit Monitoring, of a new " Collections '' type account on my 3 credit reports ( XXXX, XXXX, XXXX ) tied to the following : Sunrise Credit Services Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Creditor XXXX XXXX XXXX Amount {$1300.00} Date Opened XX/XX/2024 Address : XXXX XXXX XXXX XXXX New Jersey ref : XXXX This was not opened by me, is not located in my area, but is using my SS # as verified by XXXX. 

I opened disputes with all three credit reporting bureaus I have opened a dispute with Sunrise Credit Services I have requested from Sunrise a Fraud Packet, it has not been provided. 
I have engaged XXXX for next steps, they instructed to open with FTC and provide documents to them w/ ID. 

I was instructed that, if Identity Theft is likely, open dispute with FTC and CFPB.
Consumer complaint received 2024-09-03
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. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Pursuant Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt. 

Portfolio Recovery Associates is reporting fraudulent information on my report and needs to be deleted immediately. On my credit reports ( XXXX, XXXX, & XXXX ) they are stating that I have an account with them and the first XXXX digits of the account number is XXXX opened in XX/XX/XXXX with a " past due '' balance of {$610.00}. 

I want to clarify that I have NEVER entered into an agreement or signed any contracts agreeing to pay anything to Portfolio Recovery Associates. That is fraudulent reporting on my credit reports and a violation of. Also, no collection can be deemed past due without a legitimate agreement. With that being said, I am demanding an immediate deletion of this collection account within XXXX days from all credit reporting agencies and assurance that this information will not be sold or transferred to any other company regarding this fraudulent collection account. 

I am demanding this company to cease and desist all activities pertaining to alleged collection account. I have also submitted this request via email to XXXX on XX/XX/XXXX. 

If any agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX State Attorney Generals Office and the Federal Trade Commission.
Consumer complaint received 2024-09-01
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. (SC)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XX/XX/2023, I fell victim to a wire transfer scam. I was contacted by numerous fake numbers over the phone, starting with a fake XXXXXXXX XXXX XXXX XXXXXXXX, and a bunch of other numbers XXXX, XXXX, XXXX, XXXX, claiming to be " secure '' federal agency numbers, XXXX XXXX XXXXXXXX etc. The scammers claiming to represent law enforcement and social security etc., tricked, scammed, conned and pressured me to wire transfer money in my XXXX account to social security or government entity as part of " social security suspension protocol ''. They said I am a victim of identity theft, my social security number has to be suspended, money held in a government account until I can be issued a new social security number, and my money will be returned from the government. They used the XXXX app to communicate the fraudulent wire transfer information with me, which I fell victim to do a wire transfer at the bank branch. XXXX XXXX, I was instructed to wire money to a person, with an account at XXXX  XXXX XXXX. XXXX banker failed to review the wire fund scam warnings with me, had they gone over those warmings with me, it would have prevented me from completing the transaction, as the scammers used the exact tactics and trickery such as government secrecy, confidentiality, urgency and intimidation as described in the warmings. 

I immediately contacted XXXX upon realizing I had been scammed, and logged in XXXX pages of desperate calls, branch visits with XXXX, but have been left in the dark in the past XXXX months about the status of the funds, investigation, and whether a hold harmless letter, which XXXX XXXX XXXXXXXX continued to request since the initial recall, has been indeed sent. XXXX has failed to act in a timely manner, investigate this scam. I have been misled, neglected and treated deeply unfairly by the financial institution who did not act property to protect the consumer who suffered a great loss in the hand of scammers. I'm seeking answers and hold the bank responsible for failed fund recovery. XXXX months of time is simply not acceptable. I have filed a police report, report with XXXX XXXX, FTC and XXXX.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions bank took a duplicate payment from my checking account to apply to a credit card, which resulted in an overdraft and removed my access to cash that I needed from the overdrafted account. 

On XX/XX/2019, I attempted to make a payment on my Regions Bank credit card in the amount of {$550.00}, which was the current balance of the card. On XX/XX/2019 I noticed that the payment had not been taken from my checking account and applied to the credit card. On that day, I sent a secured message through Regions ' website asking about this. The response I received did not actually address my question, so I sent an additional message restating the question later that same day. 

Regions responded my message, informing me that that there was an error with the payment and that I would need to make the payment through an alternative method. Specifically, they stated : " XXXX XXXX Banking is experiencing a known issue involving credit card payments made online from external accounts. At this time there is not an estimated time of resolution. '' and " In the mean time you may mail payments to the address below, visit your local branch, or call us at XXXX. You can make payments through our automated system from your Regions deposit account, or speak to an agent to make your payment by phone. '' Instead of attempting to make another payment that day, I decided to wait and try to make payment again online, as I have always done, a few days later. That payment attempt was successful. 

Today, XX/XX/2019, I checked my checking account and found that it was overdrafted and that Regions had taken not only the second attempted payment, but also the first attempted payment, which they had specifically told me I would need to pay in a different way and that there was an error with that payment. I relied on Regions ' statements that the first attempted payment resulted in an error and that I was required to use a different method to make a payment.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

I have sent a letter and got a generic response saying that they were unable to process my request. The reason they gave for closing the account is not accurate.My reward points should be returned to me. 

Here is part of the letter I sent to Amex .... 

I am writing to formally request the restoration of the reward points that were removed from my account following the closure of my XXXX XXXX account, ending in xxxxx. I was taken aback by the closure, especially given the circumstances. 

The reason provided for the account closure, as stated in the letter I received, is that it was due to the manner in which I acquired event tickets. Specifically, I made a purchase in XX/XX/XXXXXXXX  for concert tickets totaling {$1100.00}. I suspect the issue might be related to another individual on my account whose accounts were canceled simultaneously ; this person had not used the card assigned to them in over two years. 

Upon discovering the closure of my account, I contacted American Express and was initially informed that I could redeem my accrued points for gift cards. However, after receiving an email with a link for redemption values and attempting to redeem my points the next day, I was informed that my points had been forfeited. This contradicts both the initial information provided and the letter stating that points could be redeemed for 90 days by calling XXXX. 

The points accumulated on my XXXX XXXX account total over XXXX. These points were earned with the intention of funding a significant family trip during retirement. The unexpected forfeiture of these points has caused considerable distress, XXXX, and financial hardship. 

Given my longstanding relationship with American Express since XXXX and the unjustified nature of the account closure, I respectfully request a review of this matter and the restoration of my accrued reward points.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have uploaded and sent letters for proof for account never late and paid in full closed. I have asked for response from companies reporting agent in form of a letter with company header. I have not received anything but items will remain on credit report and the response comes within XXXX. After asking for representative reporting and specific detail of explanation. In written form of a letter bearing the representative signature. 
Bankruptcy was not reported by courts. It's is personal information that was paid for from thrid party. My Bankruptcy was never in XXXX colorado. And I asked as well please remove cause location is filed wrong and called the courts and sent letters in from court explaining they do not report to to any credit bureau. 

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. XXXX Child Support # XXXX, Texas Attorney General : # 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, US BANKRUPTCY XXXX XXXX  XXXX, has violated my rights . 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 an 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.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Dear CFPB Team, I am writing to file a complaint regarding a discrepancy in my credit report related to my XXXX XXXX credit card account. 

On XX/XX/year>, I received an email from XXXXXXXX XXXX stating that they had decided to terminate their credit card product for all users. I contacted their customer service to confirm this decision, which was indeed made by the bank as a part of their business strategy, not at my request. 

However, on XX/XX/year>, I discovered an inaccurate entry on my credit report, indicating that the credit card account was closed by the grantor at my authorization. This is factually incorrect, as the closure was initiated by the bank itself and not by any action on my part or by any authorized person on my account. I have always complied with XXXX XXXX XXXX  policies and regulations and have not been at fault in this matter. 

This incorrect record has had a negative impact on my credit score, which is unfair and unjustified given the circumstances. A reliable credit report is crucial for my financial well-being, and I am requesting your assistance in resolving this issue. 

I kindly urge the CFPB to investigate this matter and coordinate with XXXXXXXX XXXXXXXX to have the incorrect information corrected by the credit reporting agencies. If any additional information or documentation is required, please feel free to contact me at your earliest convenience. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

In my previous correspondence ( Case # XXXX ), I specifically requested a comprehensive review of all variable interest rates applied to my loans from XX/XX/XXXX to present. These rates do not align with the figures published in the " XXXX XXXX '' section of the " XXXX XXXX XXXX '' on the XXXX XXXX XXXX of each month, plus the margin rate per page XXXX of my promissory note. 


For instance, As of. 
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 The rates provided by XXXX XXXX XXXXXXXX exceeded the XXXX rate that was indicated in the publication and margin rate, resulting in higher variable rates than what was contractually agreed upon. The following rates were applied : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Upon reviewing the letter, I observed instances where capitalized interest was charged after a forbearance or when the loan was in payment status. 

XX/XX/XXXX ( included interest that accrued through XX/XX/XXXX ) .This is not the close of business in XXXX, XXXX, XXXX, or XXXX. Was I making payments? If so, why was I charged? 

XX/XX/XXXX ( included interest capitalized through XX/XX/XXXX ) This is not the close of business in XXXX, XXXX, XXXX, or XXXX. Was I making payments? If so, why was I charged? 


XX/XX/XXXX This was not addressed. Why was capitalized interest applied twice in XXXX of XXXX? 

XX/XX/XXXX This was not addressed. Why was capitalized interest applied on XX/XX/XXXX and XX/XX/XXXX? Which one was the end of a deferment period? 


XX/XX/XXXX ( included interest accrued through XX/XX/XXXX ) Why was capitalized interest applied on XX/XX/XXXX and XX/XX/XXXX? Which one was the end of a deferment period? 

XX/XX/XXXX ( interest capitalized following the expiration of a Late-School Notification Forbearance ) This is not at the end of a deferment period. This is at the end of a forbearance period. Why was capitalized interest applied? 


XX/XX/XXXX ( included interest accrued through XX/XX/XXXX ) I was making payments and loan was not deferred. Why was capitalized interest applied? 

XX/XX/XXXX and XX/XX/XXXX ( interest capitalized following the expiration of XXXX XXXX XXXX ). 
This is not at the end of a deferment period. This is at the end of a forbearance period. Why was capitalized interest applied? 

The history of payment and capitalized interest is missing information from XX/XX/XXXX to XX/XX/XXXX. 

Multiple breach of contracts
Consumer complaint received 2024-07-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

Company : Jefferson Capital Systems This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Date : XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account XXXX : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Date : XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account XXXX : Account Name & Account Number : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA XXXX ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing XXXX XXXXXXXX will be on standby waiting for my instructions.