davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (OH)

I consumer XXXX XXXX currently submitting a complaint against CKS Prime Investments a debt collection company. As i received an update of my consumer report of CKS Prime Investments reporting a collection account on my consumer credit report ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ). The reporting of this alleged debt they claim i owe violates federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I never given CKS Prime Investments consent to have my personal information nor to report any alleged debt to the consumer reporting agencies which they have invaded my right to privacy pursuant to 15 USC 1692 ( a ). The alleged debt thats being furnished on my consumer report Violates the FDCPA 15 USC 1692e ( 2 ) ( A ) ( B ) as it is false and misleading representation as A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I demand that CKS Prime Investments remove this alleged debt immediately from my consumer report. In this complaint i am notifying CKS Prime Investments pursuant to 15 USC 1692c ( C ) that I refuse to pay alleged debt and to CEASE & DESIST all communication with respect to such debt they're currently reporting. The term communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. The term " person '' means a natural person or organization. I demand that the following account be XXXX out and removed from my consumer report ( XXXX, XXXX, XXXX ) immediately as it results in a form of communication as you are in violation of title 15 chapter 41 under federal law of the Fair Debt Collection Practices Act. Please see attached removal letter sent to Debt collection company CKS Prime Investments through the CFPB with this complaint. Do to XXXX XXXX XXXX being in VIOLATION OF THE LAW. The law SAYS under CIVIL LIABILITY 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court XXXX allow, but not exceeding {$1000.00} ;.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

Our former lender, XXXX XXXX XXXX, sold our mortgage to PHH Mortgage on XX/XX/XXXX. 

It was not until XX/XX/XXXX when we began to see a BK ( Bankruptcy Lawyer ) advanced amount fee appearing onto our new statement. We have spoken with XXXX XXXX XXXX and their bankruptcy department and they have no documentation of the BK fees mentioned by PHH Mortgage Service.

We soon contacted PHH Mortgage and they have stated they received it when our mortgage was transferred to them. They stated the account was service transferred with outstanding bankruptcy expenses. 
They requested that we contact XXXX XXXX XXXX  about the matter. However, as mentioned before, XXXX XXXX XXXX  have stated they do not have any documents of BK fees being posted onto any former statements. We have contacted XXXX XXXX XXXX  multiple times but they were of no help either and they unable to explain why that fee has accrued onto our new statement. They directed us to contact PHH mortgage, as they have all of our current mortgage information. 

We were unaware a bankruptcy lawyer was hired for us. No email or letters was sent about a lawyer being obtained for us. We have received no direct answers from either mortgage companies about the reasoning of a bankruptcy lawyer being hired. PHH Mortgage Service has sent us a research document about why there was such a fee, however, they still did not provide a detailed and direct explanation nor did they show proof that a lawyer was obtained and the lawyer receipt. They provided us a breakdown and description of the bankruptcy attorney fees, however the description showed that the attorney was hired XX/XX/XXXX without our knowledge. 

We have already been discharged from bankruptcy XXXX  XXXX on XX/XX/XXXX. Additionally per my lawyer, the case was closed XX/XX/XXXX. Therefore, we began to ask the lenders why an attorney was hired after the closing date, but no response was given. 

I have contacted PHH Mortgage multiple times and requested for them to provide proof a lawyer being hired and the receipt. However, they have not responded to my requests. They're claiming that we owe PHH mortgage more than {$2500.00} and they keep charging more for bankruptcy lawyer. We called again XXXXXXXX XXXX XXXX on XX/XX/XXXX they said they only hired their own lawyer they don't hire from outside. What I'm going to do now?. It's hard to talked to PHH mortgage.
Consumer complaint received 2024-07-12
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. (IL)

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 DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts 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 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 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. 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 TO THIS MATTER!!
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, Passport, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, and XXXX XXXX . Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, Passport, and my Social Security Number as verification of my ONLY address.
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (TX)

I left this complex when I got separated from my XXXX and after I moved out by a year and half, I started to receive calls from this debit collector, and I explained that this belongs to my ex-husband and to stop calling me or emailing me especially I have never given a permission to be contacted by phone or email ( 15U.S. Code 1692 C ). As well as I have noticed that this debit collector has added an interest on the debit, and mentioned for them that I still have to pay the total amount because they can't reach my ex-husband. 

Collection company name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX Account : XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

DEAR, TRANSUNION XXXX, AND PULL MY CREDIT REPORTJUST TOCHECK MY XXXX THEN REALIZED. I HAVE BEEN A VICTIM OF DENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX CONSERVE IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
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: Experian Information Solutions Inc. (CA)

I looked at my Credit Report XX/XX/2024 and noticed some things are incomplete & not accurate. I sent a letter to experian XX/XX/2024 & asked them to investigate the completeness and accuracy.I received the results and noticed they did not fix nothing.They are breaking federal laws. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and want this to be fixed
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GLOBAL CREDIT UNION (CA)

Global credit union notified me of possible fraudulent activity on my account on XX/XX/24 via email and phone call. I answered the phone call and told them I did not make the transactions in question and it sent me to a representative. When speaking with the representative it was after hours but we went through multiple pending transactions that all took place in XXXX XXXX, CA on XX/XX/24. All of which were fraudulent, he said he was going to flag them as fraud and hopefully since they were still pending they would not go through He then stated I should call back in the morning to make sure the fraud department opens a case. I called back the fraud department the next day while running errands and they opened a case regarding roughly 15 transactions. One of the questions the person asked me was if I had my card still on me, I told her yes it was as home ( I don't carry my card on me since this isn't my main account ), during the call I returned home and went to grab the card and realized the card was not where I thought it was and that the card was in fact either lost or stolen. The lady stated they would investigate the transactions and it would take 7-10 days. I got a letter in the mail stating the fraud claim was denied and I could get a copy of the investigation. I called Global to request a copy of the investigation and they stated they did not investigate the transactions because I stated in the call i authorized the transactions. after clarifying with the lady on the phone Global decided not to investigate and to deny the fraud case because I didn't realize my card was missing. Some transactions are no longer on my account but the following fraud transactions are still on my account : XX/XX/XXXX XXXX {$100.00} XX/XX/24 XXXX XXXX XXXX XXXX {$100.00} XX/XX/24 XXXX, XXXX XXXX {$2.00} XX/XX/2XX/XX/XXXX XXXX {$3.00} XX/XX/24 XX/XX/XXXXXXXX XXXX {$210.00} XX/XX/24 XXXX, XXXX XXXX {$32.00} XX/XX/24 XXXX XXXX, XXXX XXXX {$32.00} XX/XX/XX/XX/XXXX XXXX {$210.00} XX/XX/24 XXXXXX/XX/XXXXXXXX, XXXX XXXX {$10.00} XX/XX/24 XXXX XXXX, XXXX XXXX {$13.00} XX/XX/XX/XX/XXXXXXXX XXXX XXXX XXXX {$8.00} XX/XX/24 XXXX in XXXX XXXX, XXXX XXXX {$5.00} XX/XX/24 XXXX XXXX, XXXX XXXX {$5.00}
Consumer complaint received 2024-05-22
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: ENCORE CAPITAL GROUP INC. (OH)

XXXX XXXXXXXX XXXX/ {$450.00} / # XXXX / charge off Midland Credit Management/ {$1000.00} / # XXXX / XXXX XXXX Both cases tried contacting the companies.
Consumer complaint received 2024-07-06
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: FactorTrust, Inc. (SC)

I am a victim of debt bondage, a form of human trafficking where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of human trafficking. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted.
Consumer complaint received 2024-07-06
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services XXXX XXXX XXXX. 
XXXX, MA XXXX FILE # XXXX XXXX XXXX XX/XX/XXXX Debt Amount : {$200.00} - PAID IN FULL ON XX/XX/XXXX XXXX XXXX  is the company for which I had a trial service with for home internet services, no cable. I canceled after using service for three months due to their services not being as reliable as advertised. I subsequently later received a notice that I owed the aforementioned amount for a cancellation reason which XXXX could not specify. 

I therefore demand that the negative effect of this still being on my credit bureau be removed at once due to it effecting my eligibility in being able to qualify for a mortgage.
Consumer complaint received 2024-05-22
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. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau name : XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation under paragraph ( 1 ) 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 ( XXXX XXXX  ) 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 investigation ; and 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 ; Account XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

On Tuesday, XX/XX/2024, I inadvertently initiated a transfer from my bank to PayPal, instead of PayPal to Bank ( transaction XXXX ) for {$190.00}. I immediately I called PayPal Customer Service to resolve the issue, but I was told that only my bank could do that. I requested a supervisor and was told that there was none available, but they were put in a ticket and want to call me back within XXXX hours. So I then went to my bank who informed me that PayPal often does this but that the charge wasn't showing up and I would have to wait XXXX hours for it to show as pending for my bank to stop the payment through the XXXX XXXX. 
The PayPal to Bank transaction posted XXXX AM on the next day on XX/XX/2024, the Bank to PayPal was showing as pending. However, when I went to my bank at XXXX, I learned that PayPal deducted the money from my bank account at XXXX that morning, despite a disclaimer on their own site that says that those type of transactions takes XXXX to XXXX business days. I again, went to my bank, who informed me that PayPal took the money out several minutes after the credit was posted, I checked my email and there was no notification from PayPal of this transaction. As a speaking to the bank representative, a heavily accented supervisor from PayPal called me and could not provide an explanation as to why the transaction went through XXXX hours and why I wasn't notified of the change via email as I chose that I receive emails and notifications regarding ALL transactions from PayPal. Only then did I receive an email regarding this transaction, XXXX hours later. 

The Bank to PayPal transfer was expected XX/XX/XXXX but as of today, XX/XX/XXXX, the transfer has not been completed and now there is a message saying that this is taking longer than expected.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-22
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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.