davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (CA)

FirstPoint Collection Resources has been reporting a collection on my consumer reports which has been tarnishing my reputation and causing me undue hardship. I do not know who this company is. I have never received any type of correspondence from this company stating that I am obligated to pay this company for this alleged debt. I have never done business with this company nor have I ever gave any permissible purpose to this company to have my information, or to report anything on my consumer reports. Nothing was ever validated with me in regard to this alleged debt. FirstPoint has illegally obtained my personal information and chose to illegally report this alleged debt on my consumer reports without verifying the facts of this account and also without providing me the opportunity to accept or reject any validity of this alleged debt. Their illegal practices have not been fair. This grave error has violated many federal laws of the FDCPA and need to be rectified ASAP!
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I received a letter in the mail from Fifth Third Bank, dated XX/XX/year>, stating I am delinquent on my mortgage and risk losing my home. The letter states that if the payment had already been made, I should add late charges go the next month 's payment. 
My mortgage is due on the XXXX of the month, but not late if paid by the XXXX. 
I logged into Fifth Third 's website on XX/XX/XXXX and paid my mortgage in full. 
I contacted their customer service on XX/XX/XXXX, when I received their letter, and an agent verified that I am not delinquent on my mortgage. I therefore requested a formal letter in the mail stating the letter I received was both premature and inaccurate. The agent informed me they do not have such a letter and so can not send one to me. A supervisor later informed me he would refer it to the research department. 
For my records, I would like a formal letter from Fifth Third stating their delinquency notice was sent in error. I would also like Fifth Third to rescind any reports made to credit bureau stating I am delinquent on my mortgage. Finally, I would like any late fees assessed to my account removed.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TN)

Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that your claim is disputed and validation is requested. 
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( XXXX ) : Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my wet signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations in [ Your State ] has not expired.

Complete payment history on this account along with an accounting of all additional charges being assessed.

Proof that you are licensed to collect in my state.

Your license numbers and Registered Agent or Agent of Service.

Additionally, in accordance with 31 U.S. Code 3123 and 18 U.S. Code 8, I request verification that this debt falls under the category of an " obligation or other security of the United States. '' These statutes define the terms and conditions under which a debt is considered an enforceable obligation. Compliance with these statutes is necessary to validate your claim. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ) to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
If you are unable to validate the debt, I request that the account be deleted from my consumer report immediately. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-13
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: DISCOVER BANK (TX)

I made a purchase with XXXX XXXX on XX/XX/XXXX for {$130.00} USD for video game controllers. The company did not show any indication that the product would be delivered other than an update e-mail in XX/XX/XXXX that said orders were delayed. Since then the company has gone silent and multiple customers have come forward saying their orders were not fulfilled. I opened a dispute with Discover on XX/XX/XXXX to resolve this fraudulent transaction and they closed the dispute as a valid transaction on XX/XX/XXXX. There is no indication they received any communication or documentation from XXXX XXXX. When I contacted them on XX/XX/XXXX to appeal their decision they told me to reach out to XXXX for more information. XXXX still shows this as an open billing chargeback case under review, they were unable to provide more information at this time.
Consumer complaint received 2024-06-04
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (TN)

On XX/XX/2024 I sent a dispute letter to Bridgecrest for an alleged deficiency balance they are claiming that i owe. I have request from them that they send all verification for this alleged debt. They have committed several violations pertaining to this alleged debt ; including failure to set pre-sale letter, failure to send post sale letter, reporting to Credit Reporting Agencies without proper notification, and failure to send the proper calculations report showing how they came up with the deficiency balance just to name a few. I have ask them to cease and desist all collection activity, including all credit reporting, which they have failed to do as well. I have asked for validation and they have failed to do so, which means the debt is invalidated and should not be being reported nor do they have the authorization to collect on this alleged debt.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (SC)

Subject : Cease Unauthorized Credit Reporting Immediately Reference to South Carolina FCRA Identity Theft Fraud Laws Dear CAINE & WEINER COMPA, I am writing to formally address a serious issue involving the unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) as stipulated by Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), South Carolina Code of Laws under Sections 37-20-110 and 37-20-120, and identity theft laws, specifically South Carolina Code Section 16-13-510.

It has recently come to my attention that CAINE & WEINER COMPA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law, specifically Section 37-20-110 of the South Carolina Code of Laws, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 37-20-120 of the South Carolina Code of Laws provides clear guidelines for the proper handling of consumer credit information. Concurrently, identity theft laws, such as South Carolina Code Section 16-13-510, underscore the seriousness of unauthorized access and misuse of personal information.

I assert with absolute certainty that I have not provided consent for CAINE & WEINER COMPA to report any information to my credit report. This clear absence of explicit permission constitutes a blatant violation of my rights, potentially harming my creditworthiness and demonstrating a complete disregard for federal and state laws.

I demand, unequivocally, that CAINE & WEINER COMPA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 37-20-110 and 37-20-120 of the South Carolina Code of Laws. Failure to comply within the provided 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

It is crucial to understand that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA, South Carolina state law, and identity theft laws. This is not negotiable ; it is a demand for adherence to both federal and state regulations, protecting consumers like myself from unauthorized and detrimental credit reporting.

I expect your immediate attention to this matter and insist that CAINE & WEINER COMPA promptly rectify these violations, respecting my rights under federal and state laws.
Consumer complaint received 2023-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (GA)

I was checking my credit report after helping my son with college expenses and I saw that an account was opened in my name at Mariner Finance and was late in payments. 
I have never opened an account with this company and it should not be on my credit report. 

It was a loan for {$2800.00}, not sure of the exact amount. 

When I contacted them, they told me that they would open an investigation of this account and how it got there. 

The XXXX XXXX Police Department has also opened an investigation and have found the person that did this crime. It needs to be removed from my credit report.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and corrected from erroneous reporting in my file are listed on my credit report 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 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Hello, I originally signed up for a chase credit card in XX/XX/year>. My account was closed due to identity issues but I sent in my information and it was re-opened. 

However, I am having trouble registering an account online again as it says my new re-opened account number is still linked to my old closed account. 

I have tried contacting customer service but they can not see it linked to any username and the fraud department keeps saying they'll contact me back but never do. 

I just switched over my business over to Chase but its very difficult to use my new card if I can not access it online. 

Thanks,
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2024-07-21
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. (AL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2024-06-18
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

In XX/XX/year>, while in Colorado I applied for the Kohls charge card via the Kohls XXXX. I was immediately approved with an {$800.00} limit and a temp card number to use the card right away. First Transaction the card was declined. I spent a few minutes on the phone with their customer service. It sounded like they wanted my first born child to be signed over to them. I used a different card to complete the purchase. I kind of forgot about this card until XX/XX/year> I was on the Kohls app. I contacted the customer service and they said there was a restriction on the account and it was related to ID verification. They wanted to send a code to my phone and the only number they would accept was my old work phone, I no longer have access to that phone. I will mention that the Kohls charge card is issued by Capital One. I have four other credit cards with Capital One. If there was any inconsistency with information, they would not have approved the account. That would be an immediate fraud flag which would require a review. Kohls asked me to send in a copy of my ID, and other documents to verify address. All the information on this account, is consistent with any information on any consumer report. There is no reason they should be blocking cards and verifying addresses when it's consistent with all consumer reports and public information. Not only that but its been six months now. If the account was fraudulent, I am sure an account holder would know. I had concerns that after approval the card was restricted right away and has never had that restriction lifted. That would imply that they have yet to satisfy ID verification. However they have no issue reporting monthly to credit bureaus information related to the account. Its not negative but it does jeopardize the security of my personal information if it were to be fraud. I have submitted all information to Kohls and they are radio silent. They will not return any contact. The account is still restricted. I asked Capital One to close the account and they said it has to be Kohls and I just asked for the account to be closed. This isn't my account, this account belongs to Kohls. I have no control or access to it. I can't make any changes to it. They need to answer for why they are reporting account information on an account they have not verified. 

The phone number for them to look up this account is XXXX
Consumer complaint received 2024-06-19
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: National Credit Systems,Inc. (PA)

this was put on my credit XX/XX/XXXX by a national credit system for the amount of {$890.00} and says joint with XXXX XXXX. I have been trying since XXXX to get this off i have filed numerous disputes thru XXXX  with the last one being XXXX of XXXX i filed XXXX in XXXX of XXXX an every time i file the dispute i tell them this wasnt me i never lived there i dont know the joint applicant an to send me or email me some kind of proof with my signature on it an all i get back is dispute has been investigated and original credit provide documents this is your debit but no one is giving me proof an this is still on my credit report now for XXXX years