davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (IL)

I am filing this formal complaint against EASTERN account system inc, with the CFPB due to their attempts to collect a debt whose validity has not been verified, despite my repeated requests for documentation and verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA grants consumers the right to request validation and verification of any claimed debt and requires the creditor to provide adequate documentation proving the legitimacy of said debt.

In response to the collection notice received on XX/XX/year>, I formally contacted Eastern to request full validation of this debt under the FDCPA. In my letter, tracked with reference number XXXX, I detailed the required documentation, including a copy of the original agreement, the name and address of the current creditor, a breakdown of charges and interest, and confirmation that the debt falls within the statute of limitations. However, to date, Eastern has responded only with a copy of a bill in my name, which does not meet the legal standards for debt validation. This incomplete response does not allow me to assess the validity of the debt nor confirm that the amount claimed is accurate and attributable to me.

Requests for Intervention : Immediate Block on Credit Bureau Reporting : Since Eastern has failed to fulfill its obligation to provide complete debt validation as required by the FDCPA, I request that the CFPB intervene to block any attempt by Eastern to report this debt to credit bureaus. Until Eastern meets the validation requirements set forth by the FDCPA, they should not be permitted to take any action that could impact my credit history.

Suspension of All Collection Actions Until Debt Validation : Under the FDCPA, Eastern is required to cease all collection actions until the debt is properly validated. I ask that the CFPB take steps to ensure that Eastern halts all collection efforts and any further contact with me or third parties until complete documentation is provided.

Strict Compliance with the Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that any information reported to credit bureaus be accurate and verifiable. Since Eastern has not provided the requested debt verification, this debt does not meet the FCRAs requirements for accuracy and verifiability. I therefore request that the CFPB take action to prevent Eastern from reporting this debt until its legitimacy is fully established.

Application of Sanctions as Provided by Law : Due to Easterns failure to provide the necessary information within the legally required timeframe and in accordance with FDCPA requirements, I ask that the CFPB consider all available sanctions and corrective measures to ensure that Eastern meets its obligations for transparency and accuracy in debt management. 
Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (KS)

Wanted me to take the car a hour and half away to a shop. I have no way back home. Only have had the car a week and half. Took to XXXX and gave a whole list of stuff along with bad back brakes.
Consumer complaint received 2024-11-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

On XX/XX/year> debt collector named Jefferson capital system have opened a collection account on my credit report in the amount {$810.00}. HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
XXXX. V GRAVENS ( MO ) XXXX XXXX, XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

On XX/XX/22, a full payment was made to my XXXX credit in the amount of {$3400.00} from my PNC checking account. My XXXXl typically is a minimum payment auto pay transaction. I saw this come out and stopped the transaction via the PNC website. The money was pulled out of my account but not paid towards the balance owed to my XXXX. I called XXXX and they claimed I made this payment via their app, even though I didnt remember doing so. I didn't care at this point so i didn't argue that matter, I just wanted either my money back or my balance paid off. I was now out the money in my pnc account, but the balance was not paid on paypals end. I then called PNC, they sent me the ACH transfer information and told me I had to file the complaint through the merchant. I then spent the last year and a half disputing this through XXXX with no conclusion. They deny my claim over and over. During the claim time frame, XXXX has removed the balance on my account but then within 30-90 days, they put the balance back on my account!! This has now happened multiple times over and over again -- I imagine this is putting a huge hit on my credit report as well but I haven't taken the time to look into it. I essentially had to give up with XXXX since I was getting nowhere and called PNC for help again. They didn't bother to help, they just completely denied my claim because its past 90 days and claiming there is " nothing they can do. '' My bank lost {$3400.00} and refuses to find it for me? How does this make any sense? So now I am out {$3400.00} and both of my financial institutes refuse to help me.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

I recently got out the hospital to find a charge from carnival cruise for {$830.00} on XX/XX/year> I contacted my financial institution and they stated to reach out to the merchant to resolve first. I've called your customer service line and that was no help. 

The agent was NOT able to find any booking under my name, however, stated my card was attached to a booking. She would not provide any further information. 

I have not authorized anyone to use my card and no one should have had access for this fraudulent charge.
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: Experian Information Solutions Inc. (GA)

. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

DEPTEDXXXX  ACCT # XXXX Amounts : {$3500.00} / {$6000.00} Date Opened : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2023 I called XXXX XXXX and asked they not charge my credit card on the XXXX {$1000.00} ... .they refused .... I then called called the Wells Fargo business credit card department to stop any further charges from XXXX XXXX... XXXX suggested we cancel the credit card that XXXX XXXX was charging and then issue a new business credit card with a new account number... XXXX XXXX was unable to charge the credit card on the XXXX as it had been cancelled... I use a bookeeper that reconciles my checking and credit card accounts but she failed to bring to my attention a charge on the new credit card # XXXX of {$500.00} from XXXX XXXX on XX/XX/2023 and and a charge of {$610.00} from XXXX XXXX on the same new credit card # XXXX on XX/XX/2023 ... XXXX XX/XX/XXXX I contacted the Wells Fargo Fraud department a gave them a full picture of what had happened and suggested that someone inside Wells Fargo must have given out the new credit card #. I was told they would open a fraud situation and that some one would contact me within 2 days ... ..on Friday the XXXX I received a call from XXXX from XXXXhe " Executive Office of Fraud '' Wells Fargo and she was unaware of the facts in this situation ... .she assured me she would be the one to call me back ... XXXX, the XXXX of XXXX, I spent an hour and thirty minutes getting bounced around from department to department and finally to a XXXX in the Fraud office who told me there was no case open on my situation but that she would cancel my current card and open the case on this situation.I asked for a case # and she said she did not have one..she gave me a phone number for the fraud office of ... XXXX for me to contact someone .....
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I am filing a formal complaint against ChexSystems XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, for refusing to provide me with a copy of my consumer report, despite my multiple requests. As mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811682, they are required to furnish this report upon request. Their refusal violates my rights under the FCRA and prevents me from accessing and verifying the information they hold about me.

Under 15 U.S.C. 1681g ( a ), consumer reporting agencies must disclose all information in a consumer 's file upon request. My right to access this information is a crucial aspect of the FCRA, which protects consumers ' ability to ensure the accuracy and fairness of their credit information. However, ChexSystems and XXXX XXXX XXXX have repeatedly ignored my lawful requests. 

Additionally, 15 U.S.C. 1681 ( b ) underlines the purpose of the FCRA in maintaining the accuracy, fairness, and privacy of consumer information. Denying access to my reports prevents me from identifying and correcting potential inaccuracies, undermining the very intent of these protections. 

I request that the CFPB take immediate action to ensure that ChexSystems and Early Warning Systems provide me with my consumer reports without further delay. My preferred method of receipt is by email at XXXX, or, alternatively, by mail to the address listed on my government-issued ID, which I am prepared to submit upon request. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, XXXX XXXX XXXX has continues to report to all three credit bureaus inaccurate information. Such as Balance, the account is listed as a charge off but XXXX XXXX XXXX reports the account late every month as a charge of for the last 14 months. Ive disputed this account several times to the credit bureaus an XXXX XXXX with factual information copies an all. Im asking that this be removed from my credit. Again, its been 14 months. Thanks for taking time to read my complaint.
Consumer complaint received 2024-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IN)

My name is XXXX XXXX my child XXXX XXXX started a cash app account and I have sent XXXX dollars to her account to pay my electric and to buy food for my children but XXXX doesnt remember her XXXX pass word so we could us e the funds I sent to her account I have contacted cash n let them know that I am my childs sponsor and I need the funds back from her cash app that I sent becuz I cant access the account let them know that is the only money I have to feed my children and keep us out the dark so they begin trying different alternatives to get me in my account nothing has worked I called back every day and they started telling me lies that a manger is not available every time I call n that I have to talk too then thru a email I have express that thats money and Im her sponsor I need those funds to feed my family they still just blow me off. Now they are saying after a long period of time the finds will be transferred to the state n I can get the funds from them what Im not understanding is the funds came from my account to my childs account that Im the sponsor on but yet they wont release my phone and me n my kids could die of starvation pls can some one help me pls
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

on 3 occasions within the last 30 days, I have had fraudulent bank accounts created with Bank of America. All 3 times I have called immediately upon receiving email confirmations and they assured me this is account is suspended and put on alert only to have it happen again and again. I have filed a police report and spoke to the rep with BOA and they assured me that they have put an alert under my name. I do not have a Bank of America account nor have I ever. Someone is creating fake bank accounts online and BOA is doing little to nothing to stop it.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I hired some movers outside of XXXX XXXX to help me move out of an old address to a new one that wasnt too far from the old one. 
Location is XXXX XXXXXXXX XXXX Ca XXXX 
I have a personal phone work phone and XXXX. In the midst of us moving my stuff around, my XXXX was tooken from one of them while I was not looking and I did not notice until a few days later after the job was done. But I had them working for me for about 3 days so when I asked if they seen it they said no. Then I figured out how to do the find my location on there and traced it back to a dump in an alley not too far from where the XXXX XXXX was. My cashapp was used multiple times to send money and transfer money. Without my consent. 
Cashapp refuses to help me get my money back or give me a refund. Its not fare to me especially in the time of the holiday season
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (RI)

Please be advised that this is my XXXX  REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.
Consumer complaint received 2024-11-02
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. (GA)

LVNV sued my in court for a medical charge and upon going to court, they did not show up for court and case was dismissed on XX/XX/2024. XXXX on credit report has not been updated.
Consumer complaint received 2024-11-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

Called XX/XX/XXXX at XXXX on my work phone. I told them to not contact me anymore at work. The representative said that she would mark that. 

I received another call XX/XX/XXXX at XXXX and answered it saying I had let them know to no longer contact me at work. They said they would mark that and hung up. 

I received another call XX/XX/XXXX at XXXX and I ignored it as I have told them repeatedly now to stop calling me at work.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I am filing a complaint against LVNV Funding LLC regarding an alleged debt they claim I owe. This complaint is my formal request for validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite not having provided validation, LVNV Funding LLC has reported this debt to credit bureaus, which is adversely impacting my credit score.