davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

Hi Caine Weiner COMPANY ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. Again, I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I was charged ridiculously for fees and my car was repossessed when i no longer could afford the extra fees they were charging its like i paid every month on time and my payment loan would not decrease its like i was paying for ridiculously high interest rates my payment basically went to cover interest rates not the car payment
Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Block, Inc. (ME)

The loan is with XXXX. The loan is for XXXX/ XXXX  a merchant who refuses to communicate with me. I ordered the program by mistake because I have a XXXX XXXX. The reported me late to a credit bureau. I have done nothing wrong to disserve this. XXXX and Afterpay are nefarious organizations. The loan is for {$1900.00}.
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$510.00}
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

This third party collection agency RESURGENT CAPITAL SERVICES IS reporting illegal information forwhich I've don't have a contract with this account is charged off and now sold to collections but I've never received from original creditors a XXXX form of cancelation of debt, forwhich XXXX XXXX has written this account off and sold it to a third party,
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/year> TRUIST Bank honored and placed a stale fraudulent unauthorized levy/garnishment freezing my checking account XXXX. I faxed and emailed to TRUIST Bank levy department the same day, XX/XX/year> a Florida circuit court order that vacated and prohibited the Virginia levy with prejudice. The TRUIST Bank account was established in Florida, I live in Florida, the court order is from Florida, competent jurisdiction is in Florida. I never lived in Virginia. Pursuant to article IV sec 1 of the U.S. Constitution and 28 U.S. Code 1738 Full Faith & Credit clause the Florida circuit court order must be adhered to by TRUIST Bank. The Virginia stale fraudulent claim must be rejected and released. No monies are authorized by me the account holder to be released to Virginia. TRUIST Bank is refusing to close the account. TRUIST Bank is in contempt of the Florida circuit court order. I will take legal action against TRUIST Bank if the levy is not released for violating the Florida circuit court order, the U.S. constitution article IV section 1 and 28 U.S. Code 1738 full faith and credit clause.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian to reinvestigate these accounts : Inquiry from XXXX XXXX , Note : HARD Inquiry : XXXX XXXX XXXXXXXX, Date : XX/XX/2021, Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), Account : XXXX XXXX XXXX XXXX ), Account : XXXX XXXXXXXX ( XXXX ), Account : XXXX XXXX XXXX XXXXXXXX ), Account : XXXX XXXX XXXX XXXXXXXX XXXX, Account : XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

ITS BEEN MONTHS!!! 
PLEASE DELETE THE ACCOUNTS!!!
Consumer complaint received 2023-09-16
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)

In accordance with fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy ( there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy, 15 usc 1681 section 604a sec 2 consumer reporting agency can not furnish an account without my written permission 15 usc1666b a creditor can not treat a payment on a credit card account under an open end consumer plan as late with any purpose.
Consumer complaint received 2024-06-30
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX I am a victim of identity theft and reported this to Bank of America, despite me sending documents confirming me to be a victim of identity theft Bank of America still has not reimbursed me for fraudulent and unauthorized charges. I have three open claims with fraudulent and unauthorized charges and those claims should be accepted and I shall be reimbursed immediately. This has caused a financial hardship for me and my family
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2023 of {$95.00} to XXXX was not handled properly by Chase. Merchant agrees with me, but Chase in an XX/XX/XXXX letter tells me charge was proper, but see annexed letter from merchant. Amount was to be credited. Letter from merchant XXXX is annexed yet Chase continues to bill me. Ugh- please help. Annexed is letter from merchant. Please tell morons at Chase to fix this and reverse any unwarranted charges to my account.
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Myy account is being charged excessive overdraft fees after i directed Wells Fargo to decline any transaction where the available balance did not cover such amount. They failed to do this and I have XXXX overdraft fees at {$35.00} each and the bank does not want to consider a reversal of fees.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brock & Scott, PLLC (GA)

There was a former debt collection company that was on my credit for a credit card debt from XXXX. This was disputed and taken off of the credit bureaus. Now without any notice, warning, I received a notice that a new debt collector has filed paperwork electronically to garnish my wages. My HR department has received this. There are no dates, no factual information on amounts it was filed in a county I have never resided. This company name is Brock & Scott , PLLC.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

First I filed a fraudulent purchase with my debit card which lead to needing a new debit card. A XXXX purchase made that I did not do happened. I was told a report would be opened and I would be contacted in 5 days. Im the meantime I was told I could get a new debit card at any Webster bank location in CT or have XXXX mailed in XXXX days. I opted to go to a branch location. 3 days later I went to a Webster location and was told I could NOT get a debit card in person that one had to be ordered. It would take 7 days. So I did that and took cash for the week out. I think was told by my child care my payment tied to my checking account ( NOT debit card ) would not go through for 3 weeks. I called Webster and they dont see the transactions attempted. They also transfer me to the fraud department who I could not get to someone because I couldnt enter the debit card information. So I hung up and went to a Webster location-Now 10 days with no debit card and 7 days since debit card was ordered. They tell me 10 days for a new card. I mention my issue with child care and she goes oh your routing number changed but your checks are still good. So I now have two routing numbers. I ask how I know what transactions will go through with my old routing number and she says anything you used prior to the change if its a new account you have a new routing number. However, my mortgage company changed and that went through fine even though I made the payment after the XXXX of XXXX. So I call Webster to complain and ask why I have two routing numbers. And they say I got a letter. I tell them no my letter says that with the Webster bank change this summer both my routing and checking were staying the same but you somehow gave me a second routing number that is only needed sometimes. She tells me I have to go to Webster again and request in person a copy of the letter because I didnt get one and they cant do that from a phone request. This would be a third trip to the bank and has been the 3rd phone call. The routing number stated on Websters website is my old routing number.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I was discharged for my bankruptcy XXXX  XXXX in XX/XX/2019. My bankruptcy is being reported without my permission " Permissible Purpose '' 15USC 1681b ( a ) ( 1 ) ( 2 ) : Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. No written instructions were given/submitted to anyone. 

My bankruptcy should not be on my consumer report with XXXX, XXXX, and Equifax. This violates my consumer rights and should be removed immediately. I have reached out to the bankruptcy court ( see attachment ) they have confirmed that they do not report/verify bankruptcies to the credit bureaus. I have included communications from XXXX who have been reporting to XXXX about my bankruptcy without my permission. As you see in the attached correspondences that their customers which include companies in various industries such as financial services, insurance, government and healthcare have a permissible purpose to access my information. this is a direct violation to my consumer rights.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Employer - XXXX XXXX  XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-30
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. (TX)

I have contacted this company multiple times about this issue. I have submitted documentation supporting that the XXXX XXXX ACCOUNT should be removed from my credit report. This company claims they did an investigation verifying the debt which does not satisfy the requirements of FCRA and FDCPA. I asked that they VALIDATE the debt and provide evidence to me of how they VALIDATED the debt. This company has failed to follow federal laws that protect my consumer rights. 

Furthermore, according to the Cares Act " No Person may furnish any adverse item of information relating to a consumer that was the result of any action or inaction that occurred during a covered period. In addition to the information described in section 605 ( a ), NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AN ADVERSE ITEM OF INFORMATION RELATING TO A CONSUMER THAT WAS THE RESULT OF ANY ACTION OR INACTION THAT OCCURRED DURING A COVERED PERIOD ''. 

This company continues to violate my consumer rights per FCRA, FDCPA as well as the CARES ACT. They should be held liable for damages to me as well as failing to uphold fairness and accuracy in reporting information. 

I have a right to decide what is disclosed on my credit report and Congress agrees that this adverse item should be removed. COVID was from XX/XX/XXXX until XX/XX/XXXX. This account was opened and started reporting XX/XX/XXXX. This account was reported under a covered period in direct violation of the CARES ACT.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I have a fashion to figure card from Comenity Bank. My payment was due on XX/XX/year>. I went to pay it on XX/XX/year>, but since it was XXXX XXXX their website said the payment would be considered late and I would be charged a late fee. I did not pay that day. I decided to wait until I could speak to someone about the late fee, since I've never paid late. 

Since XX/XX/year> Comenity Bank has called me in regards to the missed payment well over 25 times. They call approx. 12 times per day. They call from different numbers throughout the day ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX XXXX and even Unknown/ Unavailable numbers. Today is Sunday XX/XX/year> and they have already called me 3 times. This is ridiculous and at this point harassment for a bill that is not even 30 days late.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fresh Start Funding, LLC (MS)

Fresh start funding says attorney fees and a bankruptcy that is not mine all the agencies are reporting wrong name and addresses they have corrected some but my reports are still incorrect open disputes for months and no communication on them. I would like to file suite for every wrong on the reports
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OR)

I received a notification in the mail from XXXX credit card company stating that they believe someone was using my personal information fraudulently in order to open up a credit card with them. They have denied that application however that is only XXXX credit card company that they could have tried this with.
Consumer complaint received 2024-07-10
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: FIFTH THIRD FINANCIAL CORPORATION (VA)

On XX/XX/2023 Fifth Third Bank made a hard inquiry on my credit report that was not authorized. This caused a XXXX XXXX point decrease in my score causing a delay with a short term loan I was interested in acquiring. I contacted XXXX and this was the only derogatory remark on my account. I then contacted Fifth Third Bank and was informed that they had no information in their system under my name or social security number.