davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NC)

This week I got a notice from XXXX stating I had a collection on my credit report and I should call Radial Global Solutions which I immediately did. I told them I had no idea what the amount was for. Their reply was it was turned over to them for collection by XXXX. They asked if I wanted to pay and I immediately said yes as I did not want it to affect my credit report. ( I was not aware it already had ). It has taken me years to get XXXX credit scores and up to XXXX by XXXX. I am very concerned with my credit scores. After paying what they said I owed, I contacted XXXX and after XXXX hours I got someone willing to help. After we found out the bill was for my old business phone at XXXX XXXX XXXX ( XXXX ) which was sold over XXXX years ago, I immediately realized the bill was not mine as I no longer owned the business so no notices were ever sent to me. I had no way of knowing. After telling the XXXX rep the problem, he said this was not the first time this happened. He immediately removed the charge and told me XXXX would send me a refund. The new owner had never changed the phone over per the sale agreement. The charge was for a years sevice charges before being cut off. The business was closed last year. All the credit companies immediately downgraded my scores by as much as XXXX points without notice. This system seems very skewed to those that do not care and do not strive to pay every bill on time. There should be some delay or notification by the credit reporting companies before this downgrade takes place if the curcumstances are like mine with near perfect scores.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (NY)

It can to my attention that my information was fraudulently used as a co-sign for an auto loan with XXXX. I did not co-sign, I did not give my authorization for this co-sign. I requested the documentation from the company multiple times but have gotten the run around.
Consumer complaint received 2024-08-08
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX  XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-08
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: CAINE & WEINER COMPANY, INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. 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 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

This is in reference to complaint submitted to the CFPB : XXXX. This company has failed to provide specific documents and is still within violation of the federal law that governs them as a debt collector. As a natural living person and consumer I am writing in regards to the alleged debt associated with XXXX XXXX account number ending in : XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide evidence of a forward flow agreement between your agency and the original creditor, and not merely a bill of sale, to establish the validity and legality of the debt in question. This includes documentation that clearly demonstrates that I have knowingly and willingly entered into a contractual agreement with your agency, outlining the terms and conditions of the debt. I have sent multiple complaints about this company violation of federal law. This company is complicit at this point in the federal law that governs and regulate them. They responded with false documents and did not provide proper proof per the law and regulations. As per the Uniform Commercial Code ( UCC ), a credit card is not a negotiable instrument that can be used to collect on a debt. Furthermore, the charge-off of a debt is considered income and reporting it as a debt is a violation of the FDCPA. I am also aware if there is a 1099-C for this alleged debt, it will be illegal for you to continue collecting on it. Therefore, I demand that you delete the account from my credit report and cease all collection efforts immediately. Please provide documentation to confirm that you have ceased all collection efforts and have deleted the account from my credit report. Please note that any failure to comply with this request may result in legal action being taken against your agency. Thank you for your attention to this matter.
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc. (WA)

I was in a XXXX  and had a XXXX and was completely XXXX. This XXXX  accepted my insurance. As soon as I became XXXX  and XXXX, the XXXX  XXXX, staff contacted a third-party XXXX  to bring me to the XXXX XXXX I had no say in this whatsoever as I was XXXX  and or XXXX. 
The amounts charged do not except my insurance and are out of net work : {$1000.00} {$970.00} Soon after I received calls 2 to 3 times a week as well as emails and text messages saying I owed the above amount plus a ton of interest. I tried to explain to them that I did not give consent, and was in no condition to give consent to a third-party out of net work company to bring me anywhere. I tried to explain this to the lady at renton collections , Inc. In XXXX, Washington. She just got very angry and I just said that I wanted the information so that I can file a CFPB complaint, and she immediately said that I was threatening her and hung up on me without giving me all the information I asked for. 
They are contracted by XXXX XXXX  XXXX  in XXXX, Washington. I spoke with them, and they said contact the collections agency even after I explain that this is surprise billing, I have excellent insurance. I was in a medical facility that accepted my insurance, and it was quite a surprise to find out that they used a out of net work company without my knowledge. 

I also contacted my insurance company, XXXX XXXX XXXX XXXX, and they said theres nothing they can do either.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

While checking my credit report a few months back, I noticed errors concerning the account for JPMCB CARD ( XXXX ). This is a violation of my rights. I contested these errors with the XXXX credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION (TX)

My XXXX XXXX and I open two savings secured loans with Alliant Credit Union in my name solely. The loans were secured with the funds in my savings account and I was told that in the event the loan defaulted the funds that secured the loan would be utilized to pay off the loans. 

Although the loans were secured one loan shows paid off and the other shows delinquent with the balance fluctuating. The credit profile for this account is missing payment information for certain months. At this juncture, the account has passed the statute of limitations of XXXX  years for the state of Maryland and is uncollectable and it is out pattern that collection efforts were ever made given this was a secured loan.
Consumer complaint received 2024-06-25
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. (NY)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (TX)

XX/XX/XXXX complaint against EARLY WARNING SERVICES XXXX XX/XX/XXXX complaint against XXXX XXXX XXXX made several complaints against XXXX to CFPB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I had a checking and savings bank account with XXXX XXXX XXXX It's XXXX during XX/XX/XXXX. Due to my check being on hold and direct deposit, they threatened to close my account. Not only this unfair and unreasonable bank held my money for weeks but now but later closed my account. In XX/XX/XXXX I got this letter from XXXX stating that they had charged {$20.00} overdraft fees into my account even when they were closing my account. At the time of closing my account and stealing my money, XXXX threatened that they will put negative remark on my history. When I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by XXXX, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter XXXX mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed I want strict most action action against XXXX. They stole my {$20.00} and then on top of it, made my report negative that i can not open any other new account. XXXX never gave me opportunity to fix the issue. XXXX took some unilateral decisions against me and now causing harm in future also. If I don't have bank account ( due to negative remarks from XXXX ) -I can not do any job. Will keybank pay for all my damages. I want immediate damage control by XXXX and pay for my damages ( {$20.00} overdraft and {$300.00} promotional offer of XXXX ). XXXX can not send me in circles and ask me to reach out to XXXX. 

XXXX messed up with my credit profile and provided the information to early warning system that there has been an identity fraud in my account on XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX  : XXXX. 

Both XXXX and XXXX warning sytem are playing games with me and sending me in full circles. I am falsely being accused of having " Checking account fraud '' and that remark had been put on my credit profile. As a result, I can not open the bank accounts. 
If I reach out to XXXXXXXX XXXX  then XXXX simply says go to the Early warning system. If I reach out to the Early warning system then the Early warning system says go to XXXX. This is ridiculous and I am sent in circles. 
I sent an email and both are being CCed here and they need to fix this mistake. 

If I don't have a bank account, I can not have direct deposit and that impacts my ability to get a job.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is participating in deceptive reporting practices. Prior to XXXX, my mortgage was NEVER late. When schools closed in my county due to Covid, I applied and was approved for mortgage forbearance and did not make payments accordingly. In the middle of this period, the loan was sold to XXXX XXXX. 

XXXX initially reported 3 months of late payments in XXXX. When I disputed this and provided proof of deferment, they change the late payment months are reported erroneously. 

Instead of removing the late payments for XXXX, they selected earlier months to report which is fraud! 

Currently, they are reporting a late payment XX/XX/XXXX, the loan was sold in XXXX! 
XXXX, XXXX, XX/XX/XXXX, online payment history and my banking transactions will reflect that this is a lie and late payments in XXXX, XX/XX/XXXX which is also a lie. 

Had this loan been in default at any time PRIOR to Covid XXXX, I would have been ineligble for a forbearance.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (MA)

Dear CKS PRIME INVESTMENT ; 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 : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. 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 2024-08-03
Product: Credit card — General-purpose credit card or charge card
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 (TX)

LATE DATES XXXX  months XXXX AND XXXX XXXX '' XXXX XXXX '' XXXX XXXX '' XXXX I was told by the company that their system did not show these payments as being late I also explained that this was doing Covid
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

{$1600.00} sent through bill pay ( electronic pmt ) with Chase on XX/XX/XXXX I was notified on XX/XX/XXXX that the mtg pmt had not been received. 
I have been working with Chase since XX/XX/XXXX by telephone having filed a claim for the funds. Chase recently closed the claim advising the funds were sent to the correct party. Mtg pmt has never been received. Chase closed the claim without offering me a temporary credit. 
I have since had Chase ReOpen and escalate the claim as the funds have never posted at ANY institution and Chase can only show the payment as being processed not cleared. 
As of this morning Chase says it will be an additional 5 business days to look into this without any kind of temporary credit to my account. 
I have spoken to at least 25 employees, posted a minimum of 10 documents to my Chase claim to substantuate my claim, have initiated conference calls between my mtg company, Chase and myself with NO resolve to date. 
I feel unprotected by Chase and their actions have left me helpless with my Mortgage pmt now 33 days past due.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc (PA)

I had an email involving my paypal account and I called phone number XXXX to dispute this and they put a manager on phone it was for {$490.00} and they said they'll take care of this it happened today and ND so I believed them and they wanted my information so I gave it to them and they took it out of my account and said don't worry it will be back on your account in half hour and it's hours later still not there her name is XXXX XXXX I'm on XXXX and only get Paid once a month and now my account is minus- {$360.00} I want to report this company and please help me receive my money back
Consumer complaint received 2023-09-27
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. (MI)

For months now Ive been trying to get information and asked them to investigate this collection ( ( National credit Bureau ) ) on all 3 credit bureaus. 

The credit Bureaus told me that all the information was verified but with XXXX XXXX dates were wrong from the beginning and also much different with different addresses. Also the last date updated on all 3 bureaus are inaccurate, last date accurate not reported. 

They also violate my rights under 15 U.S.C 1681 section 604 A The law is stated that a consumer reporting agency cant be furnish a account without my written instructions I havent given those accounts written permission to furnish that account on my credit report as well I started this with CFPB for investigation on XX/XX/2023. 
It hasnt been updated since XXXX.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for an offer with American Express on XXXX for a {$180.00} credit upon spending {$750.00} with XXXX XXXX, XXXX, & XXXX XXXX XXXX XXXX XXXX XXXX. I spent {$1200.00} with the XXXX XXXX on XX/XX/year> and met all conditions of the offer. Amex has claimed that the offer terms have not been met, despite their own agents agreeing that they dont understand what part of the terms havent been met. Id like them to uphold their offer terms and give me the {$180.00} credit.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In XXXX of XXXX, Experian was notified of unauthorized inquiries that were reporting on my credit report in a letter that was dated, and time stamped ( enclosed ). After 3 months these inquiries still persist. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply. Your agency is in violation, and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have attached the invoice for the violations and the payment is to be remitted to the address on the invoice within 10 days along with the removal of the inquiries below : XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX