davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Open Dealer Exchange, LLC (CA)

Thank you for allowing me to submit this CFPB complaint, I have contacted experian about hard inquiries that were not authorized by me. I filed ftc reports regarding four inquiries that were not authorized by me. I also sent copies of ftc reports and all documents to experian as they requested and yet still they have not removed these inquiries.its been well over 30 days for a few of these inquiries. They are in violation of my rights according to the FCRA. I have the right to an accurate credit report and also this matter should have been taken care of in a timely matter. The inquiries and dates consist of : XXXX XXXX XXXX XXXX XX/XX/2022 700 creditXXXX XXXX XX/XX/2022 700 credit/XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2022 According to the FCRA I am entitled to a fine of up to {$1000.00} per violation. I have been in contact with XXXXXXXX ,700 credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX yet nothing has been done. Please send me confirmation that these inquiries were removed immediately
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (IN)

I checked my XXXX credit monitoring and learned that I had a collection on my credit report for {$13000.00} from a XXXX XXXX XXXX being in collection by ID XXXX XXXX I called to tell them that this was wrong and identity theft and they yelled at me and mouth obscenities and hung up on me I called ( XXXX ) XXXX and their address is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, WA XXXX I want this removed from my credit report imemdiately
Consumer complaint received 2024-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Block, Inc. (MI)

I have been borrowing from Cash App for over two years paying back the advances days prior to the due dates. On XX/XX/2024, when I was paying back a loan the app prompted me to enter if my business info. Me thinking they wanted to just get to know me better or to offer me other products I entered a business I started recently but had not conducted any business under the name yet. As soon as I paid the loan they denied me to borrow again stating I am a business. I immediately called and emailed to have the information removed because I needed the money. Since then I have emailed and called over five times and still get the same results and same email NOTHING!!!! I feel this was deceptive and abusive and in result has caused me mental and financial distress. They keep sending me generic emails and refuse to put a supervisor on the phone. Today was the last straw the reps were just rude and dismissive. I did nothing wrong and keep getting the run around with no results.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-26
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. (NY)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I sent out a dispute letter for " Validation of Debt '' before XX/XX/XXXXXXXX XXXX XXXX and I never received a letter back from the company to validate this debt. 
Which they proceeded to take it upon themselves to report to the credit bureaus to damage my consumer report.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (OK)

XX/XX/year> I requested a purchase agreement, agreement to sell, or service agreement agreement with my signature between myself and said company. 
XX/XX/year> I disputed it with XXXX after I did not receive proof of debt from each company. 
XX/XX/year> I mailed XXXX, XXXX, and XXXX a letter requesting verification of debit XX/XX/year> XXXX Verified the debit and said it would remain on my report XX/XX/year> I requested a verification method including dates, times, and how they verified the debt and disputed it again. 
On XX/XX/year>, I sent a certified letter to XXXX XXXX, XXXX. XXXX XXXX, Midland Credit Management, XXXX, XXXX, and XXXX requesting a verification method. 
XX/XX/year> They sent another message saying my debt was verified with NO verification method and also opened a new online dispute asking for proof of service and method of verification XXXX I received a message from XXXX only saying the dispute was modified and would remain on my report again, with no verification method given to me On XX/XX/year>, I demanded proof and verification of the debt from all three debt holders and credit bureaus, and XX/XX/year>, I received another message from XXXX that the debt was verified without providing me with a method of verification XX/XX/year> I am reporting to CFBD and sending a letter to all companies notifying them of this decision to file a complaint.
Consumer complaint received 2024-09-04
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. (MD)

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

XXXX XXXX  ( Account XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Status : Closed XXXX. XXXX XXXX XXXXXXXX ( Account XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Status : Open XXXX. XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ - Status : Paid Closed XXXX. XXXX XXXX XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ - Status : Transferred Closed XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Open Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Jefferson Capital System LLC XXXX XXXX XXXX XXXX IL XXXX Subject : Cease and Desist from Unwanted Call Dear Jefferson Capital System LLC I am writing to formally request that you cease and desist from calling me regarding my alleged debt. Despite my previous requests to stop these communications, you continue to contact me at XXXX These calls are unwanted and disruptive. If you do not cease all communication within 10 days ( XX/XX/year> ) l will report your actions to the appropriate credit bureaus and may pursue legal action for harassment.

I expect your immediate compliance with this request.

Code 15 U S C 1692 ( c ) Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/year> I was charged {$120.00} for a year long subscription to the magazine the XXXX XXXX. A month earlier I had agreed to a month long trial, but about two weeks in, realizing I found no significant value in the product, I decided to cancel over the phone. I was assured that I would not be charged for a year long plan and found myself shocked when such a large sum of money was added onto my monthly credit card bill. I bank with Apple 's Goldman Sachs card and although I exhausted both their support and the XXXX XXXX 's, who I reached out 6 days after the charge went through over their email ( as to leave a paper trail ), I was told that I was XXXX out of luck and I should have made sure I obtained a verification email of my subscriptions cancellation before trusting their customer service representatives word. Since I have pointed this out to the representatives at Goldman Sachs, they have failed to review the relevant information and blindly side with the magazine that fraudulently charged me rather than the customer they are meant to represent. Since they charged me I do not have access to the year long subscription, don't receive mailed copies of their issues, and have not once signed into a paid account.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (PA)

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
debt Please do olak at hy didi te shoot rest atyhing ereceporti you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute IFYOURASS THS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-10-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc. (CA)

XXXX  XXXX XXXX XXXX is refusing to correct or delete a {$16.00} charge that is affecting my XXXX XXXX. This account has been charged off and A charge of is considered income by the IRS 15 USC 1681 2 AI code- Income is forbidden to be reported on a Credit file.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had my XXXX XXXX XXXXXXXX card for around XXXX  years. I only have one or two charges associated with this card. I have a reoccurring monthly charge of {$16.00} from XXXX. Every month I pay {$16.00} to have a zero balance. It appears in XXXX an additional charge from an annual subscription of {$40.00} was processed on the card. I unfortunately did not see this statement and paid my monthly payment of {$16.00}. The payment went through on XX/XX/year> for the due date of XX/XX/year>. I received an email stating I was late on my payment and owe {$8.00}. I called the Capital One directly and learned that I had another charge that changed my minimum payment to {$25.00} for the XX/XX/year> payment. Due to this {$8.00} I was now charged with a {$25.00} late fee. The Representative would not remove the {$25.00} fee. I closed the card on this call and make a full payment via my Bank 's bill pay for a total of {$90.00}. My compliant as a consumer is that a fee of {$25.00} is beyond unreasonable for a lateness of {$8.00} and a card balance of approximately {$60.00}. The card company is charging interest at XXXX  % which is astronomical, but I accepted it. This fee is unfair, deceptive and abusive. This is why Bank 's have to have people opt-in to fees that are over the actual charge. Thank you for accepting my compliant.
Consumer complaint received 2024-09-26
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. (FL)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-25
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. (IA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (OH)

Subject : Complaint Against National Recovery Agency for Consumer Rights Violations To : Consumer Financial Protection Bureau Division of Consumer Services XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to file a complaint against National Recovery Agency ( NRA ) for their egregious violations of my consumer rights. Specifically, I am alleging that NRA has failed to comply with the requirements of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

NRA has placed a collection item on my consumer report without providing me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have failed to provide me with a clear opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furthermore, NRA has engaged in deceptive and misleading practices by furnishing information to a consumer reporting agency without providing the required disclosures. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I am disputing the validity of any and all debts reported by NRA. I am revoking all rights for NRA to communicate with me through any means, including email, text, or phone calls.

I request that the CFPB investigate this matter and take appropriate action against NRA for their violations of my consumer rights. I also request that NRA be required to provide me with the following : Debt Validation : A detailed explanation of the debt, including the original creditor, the amount owed, and the date of the debt.

Purchase Agreement : A copy of the purchase agreement between NRA and the original creditor. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Sunny XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (FL)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX 3. XXXX XXXX XXXX - XXXX 4. XXXX XXXX XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX XXXX - XXXX 7. XXXX - XXXX 8. XXXX - XXXX 1. XXXX XXXX  - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

In XX/XX/XXXX, I mailed my School Misconduct Application to Navient, which included an original DVD from XXXX, as evidence. On XX/XX/XXXX, Navient mailed the DVD back to me with a sticky note " unable to print '' on the case. I called Navient to ask why this piece of evidence could not be used as part of my application and they said to send in a USB. I sent them a USB as requested and never heard if they received it or not. On XX/XX/XXXX Navient received my XXXX XXXX XXXX, per their website. XX/XX/XXXX I was told all three of my loans related to my application were denied. The denial was vague with no explanation as to why it was denied. My application was specific with answers related to the for-profit school, XXXX, which I attended from XXXX. I sent in specific articles and court documents related to why XXXX was considered a for-profit school. Then my DVD I sent in would be considered physical evidence with misleading information from XXXX. I am asking you to please help me get the exact information about why Navient denied my application. I did apply for the XXXX XXXX discharge and am considered POST CLASS per the XXXX XXXX XXXX  email I received XX/XX/XXXX. My XXXX XXXX application number is XXXX. My federal loans were XXXX.
Consumer complaint received 2024-10-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (CT)

XXXX / XXXX XXXX XXXX reporting is inaccurate : My history with the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for!. Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 DID YOU FILE A 1099 c?
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (PR)

The Calvary Portfolio company has not stopped collecting an account for which I have been reporting for years as identity theft, they have only sent me account statements with my address, in 2016 I was a victim of theft, they stole my wallet with all my information, this has not been the only account and the others with my information have been classified as fraud but they continue to sell it... I have sent them everything attached here, I have made several reports to XXXX and they do not stop ... this has led me to a state of stress, XXXX  and XXXX... I need you to stop