davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I had a problem receiving my security deposit from this company called XXXX XXXX XXXX. Which is no longer a company. Once I started asking for my security deposit back that's when all these problems started. Literally the same day I got an email saying I requested information from this company ( National Credit Systems , Inc ). Which I never did. I explained to the lady XXXX XXXX on XXXX that this debt does not belong to me and that they were contacting me fraudulently for this company XXXX XXXX XXXX The woman was very rude and hostile on the phone with me. I then went to the corporate office downtown XXXX and I spoke with the regional manager XXXX XXXX XXXX XXXX  who I gave my information to and she did state that she was going to take care of this. That I did not owe their company anything. This is fraud!! The leasing office no longer exists and the employees were all doing fraudulent things. I never knew I owed a debt. I moved out XX/XX/XXXX. I did my 60 day notice and walk through of the apartment on XX/XX/XXXX with XXXX XXXX. She approved my intent to move and signed off that I didn't owe anything and my date to move out was XX/XX/XXXX. Which I did and returned their keys. I never had any issues or knew anything about a debt owed until I got that email on XX/XX/XXXX.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NJ)

XX/XX/XXXX dispute started On or about the XXXX of XXXX the dates changed on my dispute. 
Dispute amount totals XXXX I was told from XXXX chime agents I was going to have my money in full on XX/XX/XXXX. On XX/XX/XXXX denial was made for dispute on a technical error was not found. Now went into rebuttal. Denied was the outcome. Rebuttal XXXX started and in XXXX hour denied. Now we are in rebuttal number XXXX. Which I was promised from chime agents that I would have my money in full on the XXXX of XXXX. I am still waiting as request for more Information was asked from chime. Merchant has had me blocked for some time now. I cant get into my account it is blocked. I called merchant no answer. I emailed merchant I got denied from merchant email server. I have no access to anymore information. Inportant tax Information is being held because I am blocked from the merchant. Chime has come to decision to close my account on the XXXX of XXXX. I do not know why. I have emails from merchant saying that money has been reversed back to chime and it never made into my account. Just XXXX was added as a temporary credit which chime reversed on me and making account in the negative. I called many many times and just keep getting the run around. This has caused me nothing but a financial burden. I spoke with my mortgage comply explaining that I wood be paid up to date. I have made myself look like an XXXX once already by saying that to mortgage company. And my funds still havent been out into my account. Chime agents informed me that all calls are recorded. Investigation team should listen to the calls before XX/XX/XXXX and they will be able to hear the promise of my funds being replaced into my account. Thats was all lies. And I was told once again they would be all back in by the XXXX of XXXX. But since its In rebuttal XXXX. The dates keep getting pushed back all the way to XX/XX/24. I am behind on my mortgage now and I feel like I am being taking advantage from chime and merchant. The merchant email state I am to pay them back with cashiers check and if not done I will be placed in collections. Why will chime not reimburse me my money? They have gotten some of it. I dont know where else to go for help. I think this was the right choice. So yea I feel like I am getting the run around from chime and merchant. Cause I am clearly be taking for and being put into collections and I dont have XXXX of my money back.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO Bank, N.A. (WI)

On XX/XX/XXXX the mortgage company, BMO Harris, paid city taxes for a parcel other then mine in the amount of {$6200.00}. On XX/XX/XXXX I contacted them to explain there was an error and they said in 7-10 business days they would resolve the issue. That time came and passed with no result. First part of XXXX I called back and was told that the research ticket had been closed and they would open a new one. On XX/XX/XXXX I called again and they had no answers. XX/XX/XXXX I called a local BMO branch and explained the ongoing situation in hope of some answers. The banker there looked into the situation and was told by the mortgage company that there is XXXX parcels on the mortgage and that both of the taxes were paid for those parcels. XX/XX/XXXX I called XXXX, who is the mortgage handling company for BMO, and explained to them the situation. They gave me no answers and told me the research team needed time. They gave me the parcel numbers for the properties that they paid. I looked up the property that isn't mine to find that it was an old address of mine from15 years ago. They have given zero answers and the money has been missing fro my escrow account since XXXX. Please help
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit Acceptance Corporation 's ongoing violations and non-compliance with regulatory laws in the United States, as per XXXX XXXX XXXX point to potential breaches of federal law, specifically related to civil rights violations. Section XXXX makes it illegal for anyone acting under state authority to willfully deprive a person of a right or privilege protected by the XXXX or laws of the United States. In the context of Credit Acceptance Corporation, these violations could include discriminatory practices, unfair treatment of consumers, or actions that deprive individuals of their legal rights under federal laws governing consumer protection. Such conduct may be subject to federal investigation and legal action to ensure compliance with civil rights protections and consumer rights laws in the United States.
Consumer complaint received 2024-02-21
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: CORELOGIC INC (NY)

Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws. 

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness. 

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries. 

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-17
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: EQUIFAX, INC. (FL)

these hard inquiries dont belong to me, hasnt being authorized be me and has to be removed.Also this is as well.thanks hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Accpetance some years ago around XXXX kept an insurance check that was made out to me and them, they told me to send the check to them and they would issue me a check from them for the insurance check amount with just my name on it. They told me to sign the check and send it to them, so I did. After some weeks I was calling about the check because I used the first check to repair part of the damages from my truck being stolen, the 2nd check was to finish the work that needed to be done - and get my payments current since I was delinquent at the time. I got a woman on the phone after some time and she told me the check was lost and they never got it- so I called XXXX to check on the status of the check and they told me it had already been cashed. So I called credit acceptance again to relay the information to them- for them to tell me that they cashed the check and applied it to the end of my loan and I would not be getting a check sent out to me as I was told - angry about being mislead and being strong armed about my delinquent status I asked why there was no payment posted or available for me to see that it was applied to my account anywhere and I was told it doesnt work that way. So I said okay since it not posted to the account yet, lets just apply it to my delinquent amount and use the rest to pay the future payments and I should be ahead on payments by a few months for a while, I was told again thats not how it works. So I said I no longer want the vehicle and someone could come pick it up because I wasnt going to pay a company that stole my insurance check and lost the funds and is refusing to work out a solution with me- to be told that was not an option and to look now in 2024 on my credit that I still owe 100 % of the loan.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIRST PORTFOLIO SERVICING INC (FL)

After I closed the account and agreed to pay off balance, I received a statement with unagreed fees not {$41.00} monthly late fees and {$6.00} service fees even though the account was closed. I demanded that these be taken off to a " XXXX '' who stated that he " would work on it '' only after a threatened a complaint to you. Tota Visa. I paid on the due date.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (LA)

American Express closed the principals account without legal agreement in writing nor verbal agreement. Principal revoked said companies ' power of attorney to make any decisions on principals account without consent. A billing dispute was sent to the company along with instruction, and lawful tender of payment through registered mail number XXXX. The closure of the account is considered adverse action per 15 USC 1691. The coupon attached to the " statement '' is a receivable that has been credited on said account. American Express is in violation of their sec filings via their XXXX, and prospectus filing. On XX/XX/2024, an application/ security was rendered to American Express , and the application was returned was returned as denied. Per the bill of exchange act of 1882, value was given through the application on file. Credit card receivables, including generated credit card applications, are securitized and are then turned into assets which in return are financial instruments such as notes or securities backed by the cash flow from the underlying credit card receivables. This transaction allows this company to create tradable instruments for their investors. The principal on this is in fact treated as an investor. The company " American Express '' understands clearly per their words in their sec filings that the only way to pay a " Bill '' lawfully is through interest. They have chosen to ignore these facts and continue to disregard said filings that are heavily regulated and protected. They are in plain English are COMMITTING SECURITY FRAUD per 12 CFR 1026.12 and 12 CFR 1026.13 ( D ). with the intent to invade tax liability.
Consumer complaint received 2024-02-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (TX)

Innovative Recovery has continued to contact me for days via text, email and calls. However, they failed to provide me with a Debt Validation Letter within the timeframe theyre legally required to. They also provided me with no right to dispute the debt or any details about the debt. I believe theyre in violation of the fair debt collection practices act.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC (UT)

XXXX/Greensky # XXXX is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of the Hudson Valley, Inc. (PA)

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, PA XXXX DATE : XX/XX/XXXX SOCIAL SECURITY # XXXX DATE OF XXXX : XX/XX/XXXX. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX Collections Account Number # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I DEMAND FOR THE LATE PAYMENT collection from Opened XXXX TO BE REMOVED IMMEDIATELY. 

BEST REGARDS, XXXX XXXX.
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc. (UT)

This is the final warning before proceeding to legal action. Your ( Collection Professionals ' ) possession of my diagnostics and procedural data constitutes a breach and violation of XXXX laws. If this account if not removed immediately, private civil litigation will be pursued against you to recover damages. The document you provided as validation of said debt contains my private health information which have been highlighted. 

The term 'breach of security ' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010.

Please also be advised that this is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to press charges and or complaints with the XXXX on your XXXX violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that XXXX be time- barred as well as in violation of Wyoming XXXX WY ) medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

I have attached the evidence of your possession of my private health information below.
Consumer complaint received 2024-02-19
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: Self Financial Inc. (SC)

I recently submitted a request to XXXX to Investigate and remove the account SELF / LEAD XXXX XXXX is refusing to actually investigate the account and remove it. I have sent countless request and each request XXXX  updates the account in their system. 
The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NJ)

XXXX XXXX XXXX  abd XXXX XXXX XXXX are running a scam I made a security deposit equal to amonn in t if credit they issued so they did not loose any money just attached illegal fees on top of made up amount reporting account as unsecured credit with illegal attached fees when account was credit card issued after security deposit was made on that account also the bank refused payments then assigned to collection agency and started reporting wrong information on credit report. I want XXXX XXXX XXXX XXXX XXXX XXXX information deleted and lvnv finding. Never recieved security deposit back they just assigned fake amount to collection agencies and started to report illegally as collection specifically lvnv funding XXXX. XXXX  credit issued was {$170.00} for {$170.00} security deposit. I want this information removed from my credit report the bank who is filing illegal collection is XXXX XXXX XXXX XXXX XXXX XXXX XXXX or lvnv funding all of them conspired together