davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. As the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2.
Consumer complaint received 2024-01-06
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. (VA)

This is 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TN)

am writing to dispute the unauthorized access and use of my personal credit information, as it appears on my credit report. Under 15 U.S.C. 1681b, credit bureaus are required to have my explicit consent or a permissible purpose before obtaining my credit information. I have never given such consent, nor was there any permissible purpose for this access.

Additionally, I want to bring your attention to an issue related to the timing of payments as per 15 U.S.C. 1666b. This section mandates timely posting of payments. Any deviations from this requirement must be corrected promptly to ensure accurate credit reporting. 

I request an immediate investigation into these matters and prompt correction of any inaccuracies. Please provide written confirmation of the removal of unauthorized inquiries and corrections related to payment timing within 30 days.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (UT)

Credit Collection Services is in violation of the FDCPA and FCRA law. 15 USC 1692 ( e ) ( 3 ) Credit Collection Services is not licensed to collect any debt in my state nor do I have a contract with this company. FDCPA 15 USC 1692c ( c ) request proof of validation that I own this fraudulent debt 15 USC 1692g ( b ) This Cease and desist include but not limited to any collection attempts and or reporting of this account to any consumer reporting agency. Credit Collection Services parked an illegal fraudulent account on my credit report without notification by mail. The collection debt company didn't provide any information of their investigation. This account needs to be removed from all three bureaus until Credit Collection Services provide proof I own this debt
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I applied for the forbearance plan because I was having difficulties paying my mortgages due to XXXX. Now that I want to start paying back my mortgages they requested plenty of documents which I did submit everything and they are telling now that my loan modification was denied. Because I do not qualify and now I am very concerned about loosing my house due to this. I was told that these months on default will be added to the end of the maturity of the loan, but this bank is processing my loan modification like refinancing. I am a retired person with XXXX XXXX XXXX, I just want to continue paying my mortgage. I would appreciate if you can assist me with this issue with my bank. Thanks The name of my bank is : Shellpoint Mortgage Servicing Contact Information Customer Care Line : XXXX Loan Information XXXX My property : XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TN)

am writing to dispute the unauthorized access and use of my personal credit information, as it appears on my credit report. Under XXXX XXXX. XXXX, credit bureaus are required to have my explicit consent or a permissible purpose before obtaining my credit information. I have never given such consent, nor was there any permissible purpose for this access. 

Additionally, I want to bring your attention to an issue related to the timing of payments as per XXXX U.S.C. XXXX. This section mandates timely posting of payments. Any deviations from this requirement must be corrected promptly to ensure accurate credit reporting. 

I request an immediate investigation into these matters and prompt correction of any inaccuracies. Please provide written confirmation of the removal of unauthorized inquiries and corrections related to payment timing within 30 days.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I live in XXXX and because of the Lending laws in XXXX this debit is null and void and un collectable. XXXX caps interest rates for loans to 28 percent and only maximum of XXXX dollars amount per loan. These internet loans are predatory and illegal. The interest rate for these loans are 300-400 percent. A XXXX dollar loan becomes XXXX and pay for 9 years. The below companies are on my credot report under the collections category. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Both companies go through Collection Agency XXXX XXXX XXXX XXXX they also practice unfair collecting. Called my wife and other family members and forced me to start a monthly payment plan with them so they could stop calling my family. Very embarrassing and it should be illegal.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MO)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

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 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 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 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 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 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 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 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 XXXX XXXX
Consumer complaint received 2024-06-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

I went through a bankruptcy in XXXX and received a discharge. Aspire student loan servicing was removed from my credit report and the balance dropped off. Three months after the discharge they added the balance back and negatively affected my credit report. I have tried numerous times to reach out to Aspire and inquire as to way its reporting again and to speak with their bankruptcy department and have been denied the information I am seeking. I struggled to pay the loan back then and now find myself no better off than before the bankruptcy because of the balance. My principal balance has been paid down very little over the life of the loan. Many of the balances have gone up. My XXXX loans through them have totaled a little over XXXX in XXXX. In XXXX I still owe XXXX. XXXX of my payments have gone to the principal and XXXX has been paid in interest
Consumer complaint received 2023-10-26
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: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This belonged to a ex spouse and the wont delete. 

XXXX XXXX XXXX XXXX This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit. 

XXXX XXXX XXXX This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (MN)

I received a credit card from XXXX I never applied for. I shredded it. Today I recieved the credit card statement with XXXX balance but a XXXX credit limit. It is a XXXX. XXXX. I NEVER applied for this card.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NM)

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.

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 seven 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.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

OnXX/XX/2023, CBNA performed a hard inquiry on my credit report. I am extremely careful about the information on my credit report and the accounts that are open. Recently, I checked my credit report on the XXXX website and discovered that CBNA had checked my credit. Before this, I had sent them multiple letters asking them to please provide me with the correct and proper documents showing that I was the one who applied with them, but they have failed to do so. Please see the attached FTC report at this time.
Consumer complaint received 2024-06-19
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I made a very large online purchase from the online clothing merchant XXXX XXXX XXXX. On XX/XX/XXXX, within the merchant 's mandated timeframes and methods, I requested a return merchandise authorization and return label that was subsequently mismanaged by the merchant and all attempts to correspond with the merchant to remedy the situation went unanswered between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I filed a full, comprehensive dispute with my credit card issuer, Chase Bank, however, failed to accept and/or properly document pro-offered evidence and XXXX crucial, subsequent messages from Chase were relegated exclusively to a demonstrably obscure part of my online Chase account between XX/XX/XXXX and XX/XX/XXXX. Without any commonly standard follow-up attempts via phone, text, or email, critical information and evidence was not able to be relayed in a timely manner and the dispute was ultimately decided against me. Furthermore, Chase refused to escalate the dispute, evaluate any new evidence, or reconsider their decision based on the egregious breakdowns and stop-gaps within their own communications portal. As of XX/XX/XXXX, XXXX XXXX XXXX had received {$2000.00} of returned merchandise without ever issuing a refund or responding to emails, calls, or complaints, and Chase failed to adequately inform, counsel or protect me with regards to this matter having finally closed the dispute in XX/XX/XXXX.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX, XXXX Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Wells Fargo Dear Sir/Madam , I am writing to file a formal complaint against Wells Fargo for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically in relation to the collection account placed on my credit report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

As per the regulation 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the alleged account, nor have I received full validation of the debt, including the original signed contract bearing my signature. I am hereby requesting the collection agency to provide me with the necessary validation documents, including any proof of certified mail delivery with confirmation. 

Furthermore, I assert my rights under the Fair Credit Reporting Act ( FCRA ) that if the collection agency is unable to verify and validate the debt, I demand the immediate deletion of the account from my credit report. 

It also has come to my attention that Wells Fargo has been engaging in unfair and deceptive practices by furnishing inaccurate information to consumer reporting agencies without the required disclosures mandated by law, in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 - S2 ( 7 ) ( A ). I am deeply concerned about the disregard for my consumer rights and the potential harm this has caused to my credit standing. 

In light of these violations and unethical breaches, I am formally revoking any authorization for Wells Fargo, its subsidiaries, agencies, etc to contact me through any means, including email, text, calls, or any other form of communication. I expect prompt action to rectify these issues and ensure compliance with the relevant laws governing debt collection practices and my consumer rights. 

I appreciate your attention to this matter and look forward to an expeditious resolution. 


Thank you for your time in addressing this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
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. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Commencing in XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by an individual allegedly called XXXX XXXX ( the XXXX ), all of which aim at contributing to the goal of robbing and defrauding innocent people. 

I sent wire transfers to agents of his alleged company with the verbal and written promise of reimbursement. 

On XX/XX/XXXX {$10000.00} was sent. 

On XX/XX/XXXX {$10000.00} was sent. 

On XX/XX/XXXX {$6000.00} was sent. 

On XX/XX/XXXX {$7500.00} was sent. 

On XX/XX/XXXX {$8000.00} was sent. 

I have been a customer of Bank of America for 19 years and have used the same checking and savings accounts for that entire period of time. Bank of America failed to take the proper steps to ensure that I was not being victimized by a scam. They failed to recognize sudden changes to the operation of the account, and failed to stop these unusual transactions. Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (OH)

I have been homeless and now getting my life back together. When I got my direct deposit from my employer, the first thing I did was make the payment to secure my new apartment for XX/XX/XXXX. When I originally made the payment on XX/XX/XXXX it declined, so I tried it again. The second time it went through but when I verified my account and a duplicate transaction had generated. I called the merchant and then the bank. I was advised to wait. That it would fall off and that the bank could not do anything unless the transaction was pending for 7 days.

Days later the original transaction is processed but the duplicate is still pending. I reach out to the bank again because I am in need of the funds. Particularly because I had two credit card companies take me to civil court. We reached an agreement that I would pay {$70.00} to each one on the XXXX of every month. I am now late to fulfill that agreement due to the funds being in hold by the duplicate transaction. I got in touch with them and explained the situation and they were willing to work with me to wait for those 7 days. Today I call the bank because it is Wednesday XX/XX/XXXX ( the 7th day ). First I am told by one agent that they have to wait until the exact hour the transaction was made to be the 7th day. Then I speak to someone else that tells me that I might have to wait 31 days. Then I finally speak to a manager ( XXXX ) that informs me that the information given by all the agents has been incorrect and that the only correct thing is that I have to wait until the time the transaction was made to complete the 7th day. Then I have to call in order for them to open an investigation ( to which she doesnt know the timeframe nor do they have one available ). I can not put it lightly of how livid and frustrated I am. Not only am I sleeping in my car but have had to go without because of this. I am a XXXX XXXX  and this is also affecting me health wise. The worrying feeling that if I do not fulfill my agreement with the court, the credit card companies can come and garnish my wages and then am back to square one just because of the incompetence and negligence of an institution.