davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I needed to wire out a few XXXX dollars out of my account. So I went to the BoA branch at XXXX XXXX XXXX, XXXX, NY XXXX. There I was given the run around. They held me up for an hour until they were about to close for the weekend. During that times they gave me various reasons why they wouldn't do the wire for me, including an alleged rule that a 4-hour prior request must be made, and that the branch has a limit of $ XXXX for wires. We have been clients of BoA for close to XXXX decades and made wires without any of those supposed rules. We never got notice of any of those supposed rules. Indeed, when I called in BoA customer service, I was told that there are in fact no such rules. Nor can such rule be rational, considering that I can wire online a XXXX dollars. It was obvious a ploy by BoA to illegally deny me access to my money, so that the funds ( for which they pay 0 % interest ) will stay with the bank for its own benefits. Notably, the customer service rep at BoA call-in number, wouldn't do anything more than denying the existence of the alleged rules and advising me to go find another branch...
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (GA)

I have requested over 10 times since XXXX for XXXX, Experian, and XXXX to remove this account that i have also directly requested to be removed from the credit directly. XXXX XXXX XXXX XXXX I am writing to bring to your immediate attention a serious issue regarding unauthorized charges on my credit report that have persisted since XXXX. Despite my numerous efforts to resolve this matter, it remains unresolved, and my credit continues to be adversely affected and my life financially harmed. Please see attached police report In XXXX, I received a credit report indicating unauthorized charges. I promptly contacted the company to dispute these charges, providing them with a police report to support my claim of identity theft. 

However, the company erroneously asserted that the charges belonged to me, despite the clear evidence I presented. It is now XXXX, and these unauthorized charges are still being reported on my credit. My repeated requests to have this erroneous information removed have been ignored. This practice is illegal, as is the continued reporting of this debt, particularly when I have furnished proof of identity theft to both the credit bureaus and the bank involved. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g. Please see attached credit report According to the ruling in Engekhardt v. Gravens 281 SW 715.719, if no proof of the alleged debt is provided, then no debt exists. 

To date, I have never received any documentation substantiating the claim that I owe this debt. Moreover, the statute of limitations has long since expired. The continuous reporting of this false debt not only violates my consumer rights to privacy but also constitutes false misrepresentation, mail fraud, and identity theft. 

The financial harm caused by this situation has been ongoing for almost 7 years, severely impacting my life. 15 U.S.Code 1692a ( 6 ) states XXXX XXXX XXXX XXXX and subsequent buyers are all debt collectors by law. They are not registered in my state of Georgia. 15 U.S.Code 1692c ( b ) law. However the debt collector, XXXX XXXX XXXX XXXX and the subsequent debt collectors have communicated with the all caps name principal obligor, XXXX XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). I also did a certified search for any debts owed by me to others in the state of GA and there are none. Please see attached ucc lien search. How does one owe with a debt collector who is not registered and also has not filed a lien since the alleged debt was owed. Where are they getting their debt validated from? 

Attached is my original dispute. Its still reporting after being deleted years ago. This is a metro 2 compliance violation. 15usc 1692j is violated as well.
Consumer complaint received 2024-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX ( XXXX ) XX/XX/year> MIDLAND CREDIT MANAGEMENT Attention : Chief Compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : [ List all collections entries you want to be removed, including creditor name, account number, and any other relevant details ] Last 4 Social 3410 I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies.

The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation.

Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (ID)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-06-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Was signed up for overdraft on card, but don't want to be
Company: Neon Newco Corporation (FL)

Netspend XXXX XXXX  opened 2 accounts in my name without my request or approval. When I called to find out why 2 accounts were opened in my name the customer service representative said that their company opened them without my knowledge.
Consumer complaint received 2024-06-21
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. (VA)

Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of XXXX XXXX XXXX  Account No. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (TX)

XX/XX/year> company name is XXXX XXXX XXXX XXXX. Amount is {$1600.00}, Ive contacted the company to provide me with the validation of debt, requested the name of the original application with my signature on it, payments history and verification that XXXX XXXX XXXX XXXX has permission to collect on this so called debt. I requested all to be sent to me by mail and they said can not do that.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

I saw Colombia Debt recovery {$4700.00} reporting on my credit report. I asked them to verify the debt. They have not responded. Its not mine and should not be on my report
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MECHANICS BANK (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (AL)

The representative from " Aldous And Associates '' said that there was a bill owed for a service that was bought fraudulently. I requested that the representative present the info and forged signature that the thief used and the representative refused to produce the signature or any other relevant information on the account.
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately BULL CITY
Consumer complaint received 2024-07-26
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DSR HOLDINGS GROUP, LLC (WI)

I called to set up payment plan on XX/XX/2024, and on XX/XX/XXXX I requested my case number to prevent garnishment as I am on state aide. They did not identify themselves in any way, and when asked to provide the case number they told me I can figure it out on my own. The only way I even got the number was from them calling my step dad. I am on food share, XXXX XXXX, XXXX and daycare assistance, my paychecks can not be garnished and to not provide me information for the case in any way is not ok. It is not on XXXX anywhere so I am unable to find it there.
Consumer complaint received 2024-08-21
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: Aldous & Associates, PLLC (NM)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Consumer complaint received 2024-07-12
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. (CA)

CFPB Complaint XXXX XXXX XXXX Here is the information requested by XXXX  Remove all personal information and inaccurate information from my credit report.

Dear XXXX XXXX XXXX, I am writing to formally request to opt-out of all services and communications from XXXX  Please ensure that my personal information is removed from your databases and that I no longer receive any promotional materials, emails, or any other form of communication from your company. 

Please confirm receipt of this request and provide written confirmation that my opt-out request has been processed and that my personal information has been removed from your records. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-21
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Lendtable Inc. (OH)

In XX/XX/XXXX, I saw a XXXX about a company that would reimburse you for the amount you contributed to your XXXX so you could get your full match and then you could pay them back plus a small fee after a year or more. They said they would work with your XXXX company to extract what was owed to them from your XXXX. There was nothing about it being a loan or there being interest charged beyond a {$10.00} fee per disbursement. It sounded like a great way to get my full company match and a little breathing room for my expenses. I should have known it was too good to be true. 

The company didn't disclose that they expected that you would take out a loan from your XXXX to pay them back. They also didn't disclose clearly that they could increase their fees at anytime by any amount. Once I owed about {$3500.00} or {$4000.00}, they increased their fees from {$10.00} per disbursement to {$50.00} per month. You could either pay the full amount owed or continue at the new fee. I didn't have that kind of money available to pay to them, so I was forced to continue. 

A few months later, in XX/XX/XXXX, they said they could no longer continue disbursements until either I paid half of what was owed to them ( $ XXXX ) or I could stop participating and I would owe them all a payment in full immediately ( $ XXXX ). This notice was provided with no notice to change my paycheck and my contribution status and only 25 days to when the full payment was due. 

No one who would participate in a program like this has money just sitting around or the wouldn't participate. I reached out to XXXX to see if they offered payment options, but none of the options would allow my balance to stop accruing and none of them would offer a payment amount lower than {$400.00} per month. Again, this was provided to me with 25 days notice. 

A change in payment terms and a half or full balance due feels predatory in nature especially when these were not the terms I agreed to at the start of the program and this was not how the program was advertised. It was only once I was enrolled and already owed over $ XXXX that they started changing the repayment timeline and terms.
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Byrider Franchising, LLC (TN)

When i first got the vehicle the transmission went out on the 3rd day so they towed my new car to their company and gave me a new transmission although it was a XXXX vehicle. The transmission was going back out which affected the motor. I voluntarily drove my vehicle to the CNAC to get it repaired. They kept the card XXXX weeks no rental no explanation only that a new motor and transmission was needed and that they has to get it approved through their financing company. The car was already paid for and they had it for XXXX weeks without offering me alternative solutions, it was just a wait until we can fix it situation. After the XXXX week of nothing I got a call from CNAC stating that they could replace the motor and transmission, and cost of repair will be added to my car note. That was a no no for me. I never missed a payment I had insurance required by law and the car had normal wear and tear since it was a XXXX. CNAC refused to roll me over to a new car they wanted to add a new motor and transmission to an over 15 year vehicle then add that to my car note which didn't agree with the contract I signed. How can you add an additional XXXX for an unwanted repair on an already used vehicle that I had paid off. CNAC who had already had the car for XXXX weeeks stated that if I didn't agree to a new motor and transmission and another XXXX years of car notes that they will sue me. Since the car had been in their possession They put it on my credit illegally.
Consumer complaint received 2024-08-21
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: HEARTLAND PAYMENT SYSTEMS INC (NC)

Global Payments - TSYS, XXXX XXXX XXXX, XXXX, GA, XXXX, ( XXXX ) XXXX made a hard inquiry to my credit that was not authorized on XX/XX/year> on my XXXX report. I have contacted this company several times and they say they can't do anything about it and have no information on me yet they made a hard inquiry to my credit. Please assist with removing this hard inquiry ASAP as it is hurting my credit score. This is entirely fraudulent!
Consumer complaint received 2024-08-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TN)

I received notification from my credit protection agency that a collection was added to my credit history for a personal loan I did not take out. The company was XXXX and the amount was for {$2900.00}. This was initiated in XXXX. Per credit reports, it went to the debt collector DRS in XXXX of this year and almost two weeks ago I got the ping on my credit report for the collection. I sent a letter of dispute on XX/XX/XXXX via certified mail ; it was signed for and received on XX/XX/XXXX.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.