davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX I had fraud on my checking account. The account was wiped out except for {$52.00} and change. I reported the fraud. I was shortly thereafter notified I would not get my funds back however they would continue to try to retrieve my funds for the next 90 days. During that time all the bank did was charge my account a fee of $ XXXX monthly due to the low balance created by theft. I was stuck keeping the account open in hopes of retrieving my funds. When I called and asked for a refund I was told they could only refund 2 months equal to {$24.00}. I escalated this through a supervisor and was told I would get an email with their decision in 48 hours. It has been 10 days and now they will just take another {$12.00} out of my account for keeping it open. This is ridiculous. I am totally stuck, if I close my account I get nothing and if I keep it open they keep taking money for fees. I refuse to put more money into an account that had theft and fraud so what am I to do? I am only trying to get the fees refunded.
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

Dear XXXX & XXXX I am writing to formally request an investigation and correction of the inaccurate item on my credit report, pursuant to 15 USC section 1681 of the Fair Credit Reporting Act of XXXX 
Professional Debt Mediation with Account number : XXXX I dispute the inclusion of this account on my credit report, as it is a charged off debt and I have repeately requested that the creditor cease contacting me and reporting to the credit Bureau. I never granted permission for this creditor to report to the Credit bureau, and I request proof of my signature and debt history if you believe this is incorrect.

Fair Credit Reporting Ac

t Requiements : I damande re-verification of this item within thirty ( 30 ) days of receipt of this letter as required by 15 USC section1681 i. Failure to re-verify within 30 days con
stitutes reason to delete the information from my file. 
I request notification when the item has been deleted as required by 15USC section 1681i ( d ) I request the name and the addresses of all individuals contacted during the investigation, so I may follow up directly.

I appreciate your prompt attention to this matter, and I look forward to a resolution within the timeframe specified by law. Please do not hesitate to contact me if additional information is required. 
XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

Und

er 15 U.S. Code 1692, the Fair Debt Collection Practices Act ( FDCPA ) aims to protect consumers from abusive debt collection practices, which can include invasions of privacy and actions that compromise an individual 's capacity to contract. The law acknowledges that abusive practices contribute to personal bankruptcies, marital instability, and job loss, thereby highlighting the need to safeguard consumer privacy and competence in contractual matters. When a creditor or debt collector communicates through consumer reports without consent, it can be considered an invasion of privacy. The FDCPA restricts debt collectors from using any false, deceptive, or misleading representations in connection with debt collection, which includes unauthorized use of consumer reports. By asserting your rights under this law, you can demand that such communications cease and that any damaging information be removed from your consumer report, thereby protecting your right to privacy and ensuring your competency to contract is not compromised.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$580.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX XXXX XXXX. {$7000.00}, XXXX XXXX. {$1200.00}, XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

In XXXX of 2024 I received a letter from Jefferson Capital System regarding a debt I have no idea about. The letter stated that I have until XX/XX/year> to dispute the debt. In XXXX of 2024 I mailed Jefferson Capital System a letter requesting more information about the debt. I never received a response and this account showed up on my credit report XX/XX/year>.
Consumer complaint received 2024-08-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MO)

I've never had a contract with this debt collector. I also have been a victim of identity theft and have been going through the proper course of actions to get that repaired part of that identity theft was the XXXX items on my credit report by Jefferson capital. XXXX 's in XXXX XXXX, XXXX XXXX. And the other was XXXX XXXX. I already got XXXX  taken off. Due to the identity theft. please provide proof from the original predator that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2023-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (VA)

XXXX sent a closed account to collections company SOURCE RECEIVABLES stating that I owed money for equipment and additional service. When I closed the account i ported the phone number over, prior to I had just made my last payment. I requested return service for the equipment, and this never happened. I called XXXX several times to return equipment. XXXX never closed the account as requested and continued billing on equipment no longer used. 

This statement is from SOURCE RECEIVABLES, the collection agency XXXX CONTRACTED to collect on. We have received and reviewed the consumer complaint. Source Receivables Management is a third- party collections agency that was hired by XXXX to collect on past due funds. Source Receivables Management does not own any debt. XXXX placed this account, XXXX Account # XXXX, with our agency on XX/XX/2022 with a balance of {$2200.00}. Of this balance, {$1600.00} were due to XXXX charges for devices. The remaining balance was for services rendered. If devices were returned, we would need proof of the returns.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery states I owe them money for an uncollected debt from XXXX via a purchase from XXXX XXXX XXXX around XXXX. I do not recall this debt or any transactions from this store. Since then, XXXX has issued me a credit card via XXXX XXXX XXXXXXXX. I have a hard time believing if I did not pay them and they sent me to collections that they would issue me another credit card. If you look at my credit history for the last XXXX years, there has never been any missed payments. I find it odd that at of all my car payments, credit cards and personal loans that I would have not paid this one.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

My mortgage servicer transferred from CMC Funding to Newrez / Shellpoint Servicing in XX/XX/XXXX. On XX/XX/XXXX, I received an Annual Escrow Account Disclosure statement from Shellpoint. The escrow analysis shows that my contractual escrow payment is increasing from {$450.00} to {$850.00} ( an 86 % YOY increase ) as of XX/XX/XXXX, despite no material changes in my insurance or property tax costs. Insurance is flat YOY and property taxes increased from {$5300.00} to {$5400.00} ( a 2.6 % YOY increase ). Upon receiving this analysis, immediately I realized that it can not be correct. I reached out to Shellpoint customer service, and opened a support ticket on XX/XX/XXXX. I pointed out the clear error in the analysis - Shellpoint is showing 3 disbursements when there are only 2 property tax installments paid annually in Illinois. In the incorrect escrow analysis, there is a disbursement on XX/XX/XXXX for {$2800.00}, a disbursement on XX/XX/XXXX for {$2900.00}, and a planned disbursement for XX/XX/XXXX for {$2800.00} ( the same amount already paid on XX/XX/XXXX ). Because of the extra payment, my escrow account is showing as underfunded by {$1800.00}. If we exclude the extra payment, it actually looks like I am due a refund for overfunded escrow account. I reported this issue in advance of XX/XX/XXXX, expecting that Shellpoint would act to stop the extra property tax payment to the county. I received no updates on this topic until I called customer service again on XX/XX/XXXX. When I called for an update, the customer service representative looked up my prior ticket and said that it showed that it was closed without resolution, and another ticket was opened without any action taken against it. When I called on XX/XX/XXXX, the customer service representative said that my ticket would be escalated and that I would hear an update soon. It has now been 2 weeks and I have not received any update. We are 3 weeks away from the new incorrect escrow payment being forced by Shellpoint 's error. I am disappointed in the lack of urgency and complete lack of communication on this matter. Through no fault of my own, and for something completely out of my control, I am now dealing with this frustration.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Because XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian thinks only they are allowed to write what I think or dont think in the comments section of my credit report - and since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( who does ) but at the same time I should be the final arbiter of what I agree or disagree with.
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

I have a case number with the XXXX for a tax identity theft to Experian Identity theft Works and XXXX XXXX XXXX XXXX showing a security freeze of a data breach with a tax lien paid by XXXX XXXX XXXX XXXX was appointed the IRS to send the documents over to Experian Identity Works with the identity restoration case and open a bankruptcy dispute with my management showing a distorted case from identity restoration XXXX XXXX XXXX. I asked XXXX XXXX to contact the control officer with the administration account and verify the error on report. So I asked to question the authority of the personal business account showing bankruptcy dispute hidden from the magistrate office and my accountant to verify my deposit case number with my business sole priortorship account balancing the fraud case with my investigator using my business account to hack and compromised my security. I want my dispute team to verify this error and send the investigation to my case worker and get my restrictions removed on my account showing suspicious log ins from bank account.
Consumer complaint received 2024-08-15
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: Experian Information Solutions Inc. (GA)

Clarity Services is a part of XXXX. XXXX has my credit file disclosure, copy of my government issued identification and social security number. Clarity accessed my credit report and provided false information to XXXX XXXX XXXX, causing an Adverse Action in the form of denial of extension of my own credit. If Clarity is a division of XXXX and accessed my credit report held with XXXX they would see I do have credit experience and a credit score, therefore the information they provided to XXXX XXXX XXXX was false, misleading and defaming of my character. Clarity made the finance company think that I have no credit experience and may not be creditworthy, which is not true. Not only am I being denied the right to extension of my credit, but this has caused damaged to myself and minor child because we are in need of furniture. Not being able to initiate consumer credit transaction because of Clarity 's negligent reporting practices, has caused physical, mental and emotional damages in which I can provide documentary evidence if forced to file a claim on the basis of defamation of character and denial of credit.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

Dear SYNCB/NTWK ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

CREDITONEBNK Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-07-24
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. (WY)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX Balance : {$29000.00}.
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-03
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. (GA)

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. 


Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I Reviewed my account credit report, and I noticed fraudulent accounts on my credit report. Can you please remove these accounts, for they are affecting my ability to obtain credit. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 ) ( XXXX ).
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 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 ).