davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (IL)

On XX/XX/XXXX, I contacted Caine & Weiner through the CFPB to try to get validation of this alleged debt. They responded on XX/XX/XXXX saying this : We have reviewed this complaint and our records. The file is for a past due automobile insurance with Progressive. The contract was with our client, Progressive. Caine and Weiner is a debt collector. Our company does not buy debt, we collect on behalf of our client. Our company is obligated to report accurate information to the credit reporting agencies. The initial letter was sent to the consumer XX/XX/XXXX. Validation will be sent today, XX/XX/XXXX, to the address provided in the complaint. The account is currently flagged as 'Disputed ' in our database. We will send a request to the credit reporting agencies to note this account as 'Disputed ' to allow the consumer the opportunity to follow up with our client. This action places a temporary removal of the debt from the consumer 's credit report. since then, the account has never been removed from my report. I think Im being fair giving them 45 days, but this action still hasnt been done. They only sent me the last letter from progressive - that doesnt prove anything to me. They told me to contact Progressive when theyre the one sitting on my report damaging it every single day. The letter they sent over to validate the debt had this is an attempt to collect a debt when validation shouldn't have been an attempt to collect the alleged debt. This company also pulled a soft inquiry on my credit report on XX/XX/XXXX when the account was disputed, therefore making another attempt to collect a debt when they shouldnt have been. I emailed their attorney, XXXX XXXX, advising him of their wrong-doing, on XX/XX/XXXX. My concerns were neglected as I didnt receive a response. Im quite confused why this company isnt complying or stating false statements about removing the account from my report but not doing so, but its very concerning.
Consumer complaint received 2024-02-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (RI)

I've purchased a {$100.00} Vanilla gift card at XXXX 's XXXX for my child 's bday, he tried to used it after opening there is no security code. Went back to the supermarket and said I have to contact Vanilla gift card but I've called them many times and was on hold for hours and did not send me a new card.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
The credit bureaus are giving me a hard time to update my address. They keep addresses that I do not live it at on my credit report. This is hindering me. This is not accurate at all these addresses.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (MO)

XXXX XXXX XXXX, operating under the name XXXX XXXX XXXX has taken unlawful and fraudulent actions in an attempt to collect a debt for a XXXXXXXX XXXX XXXX XXXXXXXX account. They have never sent me any information about this collection account. No emails, no letters, and no contract. Upon making a call to their company I requested the contract, information about the lawsuit their attorney ( XXXX XXXX XXXX XXXX of Mandarich law Group , LLP ) filed with my local circuit Court, and information about the attorney himself. I was not provided with any of the requested information/documentation. I have a court date of XX/XX/2024 and I fully intend to countersue their company for taking such extreme measures to collect a debt that I was never properly notified of. I got divorced, had no job, and was struggling mental health disorders at the time this account went negative. So, I will take any and all steps necessary to bury them in court. Aside from that, they need to have their license to collect revoked with behavior like this and multiple class action lawsuits.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

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.

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 furnishes an account without my written instructions.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NC)

Jefferson Capital Systems [ XXXX XXXX XXXX ] [ XXXX, MN, XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Jefferson Capital Systems, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Jefferson Capital System has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Jefferson Capital Systems promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Jefferson Capital Systems to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance a

nd may result in civil accountability for Jefferson Capital Systems , as provided under Section 616 of the FCRA. Done in good faith.
Consumer complaint received 2024-04-13
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. (NH)

recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX paymenton an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and past due balance of {$280.00} from XXXX on XX/XX/XXXX ) Im now requesting you investigate and provide verflable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. As it is my affecting credit and my moms credit as well.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

On XX/XX/XXXX, USAA sent me an offer for XXXX XXXX card with 0 % interest through XX/XX/XXXX. Email attached. I am a USAA member because my husband is a retired XXXX veteran and we have our vehicle insurance and our homeowner 's insurance through them. On XX/XX/XXXX I accepted the offer and clicked on the " apply now ''. It immediately took me to our USAA account and asked for my password & PIN then took me to the application where it had my husband 's name information pre-populated in the application and my name was only listed as able to check the box for authorized user. I completed the application and was approved for {$20000.00}. At the end of the application process it stated that whatever promotional offer I was receiving would be confirmed in my welcome packet. I got the welcome packet out of our mailbox on XX/XX/XXXX and activated both cards. I read the back for the CC agreement pricing schedule to verify my 0 % interest until XXXX. All it said was our interest rate was 15.15 %, so I initiated a " chat '' session online ( copy attached ) and requested they verify my promotional offer of no interest. I was told that the card offer was my husband 's and they had not offered him zero percent. Then they said it was not offered to me either. I offered to send them the email. I explained it came to my email, I clicked on it and it took me to our account. The only account we have with USAA that I pay our bill out of my bank account for the past 10+ years. Then they tried to say I have my own account separate from my husband. That is a lie - We have one auto policy and one homeowner 's policy etc. We ended the chat and my husband called USAA and spoke with XXXX who proceeded to tell us the same thing and that USAA would not honor the zero interest offer. I have a video of what happens when you click on the zero percent offer - how it takes me to my account and my husband 's name is already pre-populated in the application where I can not change it to my name. This is deceptive trade practice and bait & switch tactics. Predatory lending b/c had I not read the cc agreement pricing schedule and initiated the investigation about the interest rate, I would have charged a {$15000.00} XXXX  in XXXX, thinking it was zero interest when it wasn't. They were very adamant that the zero percent interest was not my offer, etc. I have the email and the video of what happens when you click to apply. The chat operator, XXXX, stated she had filed a formal complaint on XX/XX/XXXX, but to date, we have heard nothing. I would like to submit the video of clicking on the offer and it taking me to my USAA account with my husbands name pre-populated in the application where I can not change it, but it will not let me upload the video due to size. Please let me know how I can submit it.
Consumer complaint received 2024-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/XXXX Dear XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention an unfortunate incident that occurred in XXXX, which has had significant repercussions on my life since then. 

On XXXX, my purse was stolen, containing all of my important documents, including my identification cards, social security card, and other sensitive information. This incident not only left me without crucial personal belongings but also made me a victim of identity theft. 

Since the theft, I have been diligently working to mitigate the consequences of the identity theft. I have reported the incident to the authorities and have taken necessary steps to protect myself from further harm, such as placing fraud alerts on my credit reports and monitoring any suspicious activities on my accounts. 

However, despite these efforts, the aftermath of identity theft continues to affect me. It has been a challenging journey to restore my identity and regain control over my financial and personal affairs. 

I am reaching out to you in the hope that you may assist me in [ specific assistance needed ]. Any support or guidance you can provide would be greatly appreciated as I continue to navigate through the aftermath of this unfortunate event. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2024-04-13
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. (SC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-02
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. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERIS BANCORP (FL)

On XX/XX/XXXX I opened a checking account online so that my father could send me a wire transfer so I could purchase a vehicle. When I saw it showed as available for withdrawal in my account later that day, I went to the bank to pull out some of the money. However, I was told that even though it's showing available, that it's still waiting to be verified. I called Ameris Bank the next morning on XX/XX/XXXX to see if the money was processed and available for withdrawal ; the employee I spoke with confirmed with me that the money was indeed available and that I could come make a withdrawal. I went up to the back and after waiting for about 30 minutes in line I finally made it to the bank teller who told me that the funds were still waiting to be verified and she's not sure why someone else told me on the phone that the money is available. She told me to check back later in the afternoon. So later that afternoon I called back up there and was told they still haven't heard anything yet and would reach out to me as soon as they found out something. Not much later, I tried to log into my Ameris Bank app on my phone and my account was all of a sudden locked randomly. I called to speak with someone about getting it unlocked and while talking with them about it they asked me what's the issue with my wire transfer. I told them I have no idea I've been waiting on it to become available. The employee told me that the wire transfer was not being released because I just opened up the account and my dad sent me a large wire transfer which caused 2 red flags and they are now investigating my account and holding my money. My father who sent the money to me, reached out to Ameris Bank with a banker from his bank to try to help verify that everything was legit, that I opened the account for him to send me the wire transfer so I could purchase a vehicle and leave a couple XXXX dollars in the account as well, and even offered to send his Police Officer identification with a copy of his receipt for the wire transfer. However, Ameris Bank is still refusing to release my money to me and it's causing me to miss work because I can't buy the vehicle I was getting without the money, and it's causing me extreme stress. I just want my money to be released to me so that I can purchase a vehicle and return to work. I have been trying to do everything I can to sort this out with the bank but no one will help me.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : -
Consumer complaint received 2024-04-13
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-06-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (GA)

I Consumer XXXX XXXX entered into a consumer credit transaction with Bridgecrest, one on XX/XX/2021 and one on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Bridgecrest took cash. The finance charge is supposed to include insurance, but Bridgecrest made me purchase insurance separately.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (GA)

Ive tried disputing scams and unauthorized transactions multiple times and cashapp support provides a lack of customer service or support period. They dont fully investigate like they are supposed to and Im out of {$1600.00} due to a scam that I need reversed in my account.
Consumer complaint received 2024-07-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (FL)

I am writing to report a potential case of identity theft. According to the recent findings of my credit report, it seems that my identity has been used to obtain credit without my consent. I am prepared to cooperate with any investigation and legal proceedings to address this matter and hold those responsible accountable for their actions
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I trust this letter finds you well. I am writing to bring to your attention a matter of urgency concerning inaccuracies on my credit report. Upon a recent review, I have discovered the presence of late payments on my account, and I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I understand the critical importance of maintaining an accurate credit history, and it has come to my attention that the reported late payments do not accurately reflect my financial responsibility. I am confident that this discrepancy is a result of an error, and I am seeking your immediate intervention to rectify the situation. 

I kindly request that you conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. If there are any supporting documents or information required from my end to expedite this process, please do not hesitate to inform me. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies must ensure the accuracy of the information they report. I trust that you will handle this matter with the utmost urgency and adhere to the guidelines set forth by the FCRA. 

Thank you for your cooperation and understanding.