davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (LA)

Debt Collector : Vance Huffman Associates Reported Amount Owed : {$150.00} Dispute Timeline XX/XX/year> : Dispute mailed to XXXX and XXXX. 
No contract with this debt collector. 
Requested proof of debt ownership and authority to collect or deletion of account. 

XX/XX/year> : Second dispute mailed. 
Reiterated no contract with this debt collector. 
Requested proof of authorization to collect and proof of investigation or deletion of account. 

XX/XX/year> : Third dispute mailed. 
Disputed account again ; noted deletion from XXXX but not XXXX. 
Requested deletion from XXXX if documentation not provided. 

Violations of Federal and State Laws Federal Violations : 1. FDCPA : 15 U.S.C. 1692g ( a ) : No written notice within five days.

15 U.S.C. 1692e ( 8 ) : Reporting false information.

2. FCRA : 15 U.S.C. 1681s-2 ( b ) : Failure to investigate disputes.

Louisiana State Violations : 1. Louisiana Consumer Credit Law : LRS 9:3562 : Reporting incorrect debt without validation.

LRS 9:3571.1 : No required information before reporting debt.

Intent to Exercise Legal Rights I know my rights. If the account is not removed from XXXX or documentation is not provided, I will pursue legal action against Vance Huffman Associates for : FDCPA Violations : No validation, no notice, false reporting. 
FCRA Violations : Failure to investigate disputes. 

Despite multiple disputes, I received no requested information. The account was deleted from XXXX but not from XXXX, violating my rights. All requested documentation should be uploaded through government channels due to legal reasons.
Consumer complaint received 2024-07-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Collection Management. Inc (MO)

My name was on a lease for XXXX  apts of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, my family was staying with me for awhile, and because of unforeseen circumstances, I became late on rent, I agreed to move out if the case would be dismissed and no debt owed. Their attorney agreed to this and I have screenshots of the conversation my daughter had with this attorneys assistant agreeing to this. It was XX/XX/XXXX. It appeared on my credit report XX/XX/XXXX as a debt owed of {$7000.00}. This has damaged my credit extensively and they do not even want any of the funds, they just want to damage my credit.
Consumer complaint received 2024-07-11
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: McCarthy, Burgess & Wolff, Inc. (IN)

I had received a call when I answered I told them to hold a second to pull over because I was driving then the call ended I then called back to see what the call was for when I got to a representative I asked whats the reasoning for calling she was obnoxious very rude and didnt really want to be on the phone I then told her she was being rude then stated I was because I was asking questions she didnt like she said all calls are monitored and recorded so if they could run back the tape they would listen to the conversation
Consumer complaint received 2024-07-23
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: OneMain Finance Corporation (MI)

I opened a loan at OneMain and due to my XXXX and being on Social Security XXXX, I was unable to finish payment of the loan. However, OneMain and their associates and managers have taken a personal interest in hurting me as much as possible. They keep changing the original loan date, currently they are stating I opened my loan on XX/XX/2022. This is false reporting out of vengeance to continue to harm my character and credit score. This date, XX/XX/2022, is the most recent date they reported that I opened my loan, in response to my numerous disputes that this account is well over XXXX XXXX XXXX. Every time I dispute that this should be removed due to the timeframe, OneMain changes the original date of the loan, so that it NEVER comes off my credit report. This is false reporting and a criminal act to DELIBERATELY harm me. I want this debt removed based on the true age of the account. I have recently been denied housing due to OneMain 's FALSE REPORTING. Also, XXXX will not take it off my report even though I have explained this situation to them. Please help me this is so wrong, and it's destroying my character to landlords and creditors are harshly judging me due to this FALSE AND DELIBERATE reporting.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC. (NY)

Date : XX/XX/XXXX SOFI Lending Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX New York, XXXX XXXX SSN : XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am asking that you remove the following account from my credit reports : SOFI LENDING CORP Account # XXXX I needed to have an unplanned XXXX that has kept me from working for the past 12 months. I am asking that I be able to claim this charged-off debt of {$5400.00} as income for my XXXX personal tax returns. 


Thank You for your prompt attention and I look forward to doing business with SoFi in the future Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CO)

In XXXX of XXXX I went into Wells Fargo to close my father 's business account as he had passed away in XXXX of the same year. I only had his will and was told that was not sufficient and it needed to be cleared in probate first. Reasonable. In XX/XX/XXXX, was informed by probate attorney that it had been closed and executed giving his business right to me and my sister. As stated in his will. In XX/XX/XXXX was notified that we needed to take care of his business truck and account. Went back in and was informed we needed a " resolution '' to close it. Asked for documentation on exactly what was needed and was given a print-out by the business banker. Went back in with completed document and was again told no. They would only issue a check to the specific business name and not to my sister and me. We have no way to cash a check in that name. Were told we would have to open up a new business account with the exact same name of my dad 's account in order to close it. Please help! I have spent several hours trying to clear this up and am being treated horribly at every turn.
Consumer complaint received 2024-07-23
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC. (NY)

Date : XX/XX/XXXX SOFI Lending Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N.Y. XXXX SSN : XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am asking that you remove the following account from my credit reports : SOFI LENDING CORP Account # XXXX I needed to have an unplanned XXXX that has kept me from working for the past 12 months. I am asking that I be able to claim this charged-off debt of {$5400.00} as income for my XXXX personal tax returns. 


Thank You for your prompt attention and I look forward to doing business with XXXX in the future Regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

CFPB, I'VE DISPUTED WITH EXPERIAN ABOUT 2 ADDRESSES THATS LISTED ON MY CONSUMER REPORT, THAT ARE NOT MINES I'VE EVEN UPLOADED A COPY OF MY LEASE. AND EXPERIAN CONTINUES TO IGNORE IT.
Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

In XXXX I attended XXXX XXXX XXXX I requested a school misconduct discharge application. After submitting my application for both personal loans I was denied. The letter states a variety of factors of factors are determining whether a private loan should be discharged.. I do not meet the requirements. My application was denied! They do not state ANY of the factors used to deny my application. This school lied stating a majority of my credits would be accepted when in fact they were NOT. The school also lied regarding my ability to get an Accounting job at a very high salary by obtaining my XXXX degree. I submitted what I have. I do not have emails from 15+ years ago. I submitted my notes I took from XXXX XXXXXXXX XXXX XXXXXXXX. I also submitted the credits they accepted from University XXXX XXXX. I received an approved Borrower Defense from Department of Education and they still denied the discharge. It is a financial hardship as I do NOT work.
Consumer complaint received 2023-11-14
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. (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. 
XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 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.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

as per the guidance from the consumer financial protection bureau ( cfpb ) the documents needed are a picture id a bill and a letter from advocacy group he ; ping me due to human trafficking debt bondage which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). i kindly request that you block this information from my credit report within four business days, pursuant to my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. i have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).
Consumer complaint received 2024-07-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NJ)

I checked my credit report and noticed a collection from Waypoint Resource for {$1200.00}. I disputed this with Trans Union and they sent back today stating it was an accurate account. I called Waypoint today and spoke to them at XXXX XXXX XXXX The lady told me that it was an XXXX XXXX XXXX that was purchased in XXXX. It told her I do own an XXXX XXXX XXXX but purchased it through XXXX who is my provider of XXXX phones that I still currently own for my family. I live in XXXX XXXX and would never drive to XXXX to purchase a phone. I tried to contact XXXX to talk to someone at their company but didn't get through.
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMW Financial Services NA, LLC (CA)

BMW Financial gave me a deadline of XX/XX/XXXX to pay the balance owed to bring my car loan current and I would be able to get my car back. XX/XX/XXXX was a Friday and when I called their office was closed, even though it was not a holiday and I wasnt made aware. I called the following Monday morning and was rudely told that the deadline has passed. I asked to speak to a manager and she was very rude and condescending and she said will make a note on file and will check with legal and asked to call back next morning. I called Tuesday morning and they told me no exceptions. The car will be sold at auction and you will owe the difference. I am going through a divorce and have accounts locked up. I have been a good client of BMW for 40 years. Help, as this is a timely issue before car goes to auction.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

I am writing to file a formal complaint against Calvary Portfolio Services for their unlawful actions regarding my consumer reports with XXXX, XXXX and XXXX and their violation of federal laws. The details of my complaint are as follows : Unlawful Reporting of Alleged Debt : Calvary Portfolio Services unlawfully reported an alleged debt onto my consumer reports with XXXX, XXXX, and XXXX. Under the New Rule REGULATION F, which took effect on XX/XX/XXXX, Calvary Portfolio Services has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. 

Violation of Cease-and-Desist Notice : On or about XX/XX/XXXX, Calvary Portfolio Services received a cease-and-desist notice from me instructing them to immediately halt all communication regarding the subject matter. This notice explicitly outlined the only three permissible ways for them to communicate with me regarding this purported debt according to federal law. Despite this, Calvary Portfolio Services sent me a direct notice dated XX/XX/XXXX, which states : Dear XXXX XXXX XXXX XXXX Cavalry is in receipt of a letter of dispute on the above-referenced account. Pursuant to the Fair Credit Reporting Act ( FCRA ) and in acknowledgment of the dispute, we have requested that consumer reporting agencies report the account as disputed. This notice is being provided solely for the purpose of responding to the dispute. This is a clear direct violation of 15 USC 1692c ( c ) Ceasing communication! 

Violation of FCRA Section 623 ( a ) ( 7 ) : Calvary Portfolio Services violated my rights under Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681s-2 ( a ) ( 7 ). Specifically, this section mandates that a financial institution must provide a notice to the consumer when it furnishes negative information to a consumer reporting agency. To date, I have not received any such notice from Calvary Portfolio Services Who is acting on behalf of XXXX, regarding the negative information they have furnished about me to the consumer reporting agencies. This failure to provide the required notice constitutes a clear violation of the FCRA. 

I request that the CFPB take immediate action to address these violations and hold Calvary Portfolio Services accountable for their unlawful actions.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian XXXX XXXX and XXXX immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've been participating in the dispute process with XXXX since 2019. XXXX has refused to remove the accounts after the investigations although the creditors have not provided proof that they have the legal right to collect from me, such as documentation bearing my signature. I requested a copy of my free Annual Credit Report. In XXXX I received a stall letter accusing me of using a credit repair company. XXXX refused to provide me a copy of the free Annual Report. I've disputed the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. There's been several investigations, and XXXX has refused to properly investigate my disputes violating the FCRA Section 623. I'm requesting documentation bearing my signature indicating that the referenced creditors/debt collectors have the legal right to collect from me. Capital One is in violation of the FDCPA by reporting the account payment history inaccurately which is defamation of character and a financial injury. According to XXXX, all of the accounts came back as verified. I'm requesting the method of verification. I would like to request the information on how the investigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. I would also like to request a copy of my updated credit report after the reinvestigation is complete.
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

This report I am making is because Wayfair closed my account without any prior notice, I did not receive a notification email about this and I never received a letter about this either. I already called wayfair and they tell me that they can't do anything, they just tell me that I should apply again but I don't want to apply again because that means a new hard inquiry on my credit report and I don't want it. I want them to explain to me why they did not notify me about the closure of my account and they have to reopen mi account. Today XXXX I already called 2 different agents XXXX and XXXX. Both of them They same the same It's closed, we can't do anything. ''
Consumer complaint received 2023-08-28
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-25
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: AMERICAN EXPRESS COMPANY (MD)

I recently reviewed my credit profile and see that there are two credit inquiries from American Express on XX/XX/XXXX and XX/XX/XXXX. I do not have any American Express accounts and am not receiving any direct benefit from these unrecognizable credit inquiries. I request that they be immediately removed.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Resurgent Capital Services L.P. (OK)

XXXX XXXX SOLD XXXX DEBT TO COLLECTORS TO WHOM VIOATED THE DOOD FRANK ACT .XXXX  EXPIRED AND STILL FALSELY REPORTING AS S UCH