davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-12
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Tesla, Inc. (CA)

I ordered a Tesla XXXX XXXX on XX/XX/23, received email notification to log in and create a Tesla Account. One of the questions is asking if I will be financing through Tesla Finance. I selected not Financing through Tesla, and ask for my checking account information. 

On XX/XX/23, the same day in the evening, I received a text on my phone to schedule for a delivery date. I scheduled the delivery date on Friday XX/XX/23. And asked to bring a cashier check ( no personal check ) on the day off the delivery. 

On XX/XX/23, My Bank sent $ XXXX to Tesla and Tesla also withdrew {$59000.00} from my bank account. Tesla over charged by $ XXXX, I am asking Tesla to return the $ XXXX back to my bank account. Tesla is saying it will take about XXXX to XXXX weeks for the check to be mail to me. 

On XX/XX/23, I picked up the car from Tesla, and was told they have expedited the return of the $ XXXX, it should received it within 5 Business days. However, they just told me it will take about 6 to 8 weeks for the check to be mail to me. This is unacceptable. 
I am seeking for compensation in loss interest and penalty.
Consumer complaint received 2024-07-19
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. (IA)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I am deeply distressed by the credit report I have recently received. The situation seems entirely beyond control. It is astonishing to me that such blatant errors, which have such detrimental effects on individuals. I am prepared to take whatever steps necessary to hold you accountable for these poor reporting practices if you do not promptly and accurately address the issues outlined in this letter. I am unaware of the source of this account. MIDLAND CREDIT MANAG XXXX.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MA)

I am reporting a formal complaint against American Express XXXX for discriminating against during a recent credit extension application, specifically regarding the DELTA SKYMILES GOLD AMERICAN EXPRESS XXXX, in violation of federal laws and regulations enforceable by the Consumer Financial Protection Bureau ( CFPB ). 

American Express ' actions directly contravene the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), the Truth in Lending Act ( 15 USC 1666 ), and the Equal Credit Opportunity Act ( 15 USC 1691 ). These statutes aim to protect consumers from unfair adverse practices, ensuring transparency in credit transactions. I beleive American Express is prohibited from discriminating against me at least because I am a XXXX Veteran, XXXX, XXXX XXXX, on a fixed income, my marital status and certainly fraudulently misrepresented fact on my credit profile, furnished by scrupulous entities. I am in fact in the process of refuting these fact but most distiongly, XXXX consistently and blaintently disregards all concerns I have expressed about tis frequent inaccuracies published in breach of my privacy. The faith in and under the law as a protected consumer is severely breached through this credit violations. This in fact is not the first of its kind but I find big corporate entities such as American Express and XXXX find some preference in upholding barbaricism rather than the Laws simply by share reasoning of protected characteristics. 

According to the CFPB 's summary, credit discrimination encompasses various forms of unfair treatment, including the refusal of credit, discouragement from applying for credit, offering less favorable terms, such as higher interest rates, and account closure, based on factors such as race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or the exercise of rights under the XXXX XXXX XXXX XXXX. 

American Express XXXX 's discriminatory practices have unfairly impacted my ability to gain and benefit from credit naturally available to me and opportunities for the XXXX XXXX XXXX AMERICAN EXPRESS XXXX. this has hinders my ability to secure a future promising to my financialy security and interest via credit, on fair and unequal terms. These actions not only violate federal laws but also undermine the fundamental principles of fairness and equality in the credit market. I urge the Consumer Financial Protection Bureau to thoroughly investigate the allegations against American Express XXXX and take appropriate enforcement actions to ensure compliance with federal laws and regulations.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd (FL)

l XXXX XXXX XXXX XXXX XXXX  and l opened a wise account online, but l mistakenly entered XXXX as the country of residence, and the account given to me is meant only to receive XXXX currency. 

My salary couldn't get into the account as l am paid in US dollars, l then requested the company to change my account and give me a US wise account so that l will be able to have access to my money. The company requested me to upload my documents for verification of which l have been sending these documents via email and via the app.

This exercise has been happening for two months now and they still haven't resolved my issue, l can't support myself financially because of this setback.
Consumer complaint received 2024-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

This Mortgage company has lied to me so many times. In XXXX I applied for a forebearance due to hurricaines. Several times I contacted them and they put my mortgage on hold for XXXX months and told me it would be placed on the back end of the loan. This was a lie. So I had to double up on my mortgage payments in XXXX and XXXX otherwise I would have been in arrears and they could have taken my house. After paying my mortgage current with no penalties or late fees, I called to request my escrow surplus of {$660.00} on XX/XX/2024. I was told they would send it out. To date, I do not see any withdrawal or communications with this Mortgage company to return my money. This Mortgage company has continuously lied to me about so many things and you can not even speak to any department that has to do with this situation. All you can do is speak to a customer service rep and they lie, or do not have a clue what to tell customers.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (NC)

REGIONAL ACCEPTANCE CORP has reported inaccuracies on my credit report which is in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. Regional Acceptance has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. This company will also not provide me with running accounting records of balance information in which they state i owe, and my original contract with my wet signature as requested. 

I also never received a 1099 form for the ( XXXX XXXX ) or rest of this allege debit that is owed. 

Lastly after discovering several illegal finance discrepancies, with excessive interest charges and illegal downpayment methods I, XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction, shall be determined as the sum of all charges which was never disclosed to me by REGIONAL ACCEPTANCE CORP in direct violation of this law. Furthermore, the DEALERSHIP also accepted a CASH down payment of DOWN PAYMENT AMOUNT of {$1500.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type of payable in a comparable cash transaction. 

Due to not being provided the original contract with my wet signature from REGIONAL ACCEPTANCE I am asking that your company help me with removing this fraudulent account from XXXX, XXXX and XXXX credit bureaus without prejudice.
Consumer complaint received 2024-02-22
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: Professional Debt Mediation, Inc. (GA)

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance Reference to Federal and Georgia Laws Dear PROF DEBT, I am reaching out to address a concerning matter regarding the unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Georgia identity theft fraud laws.

It has come to my attention that PROF DEBT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, as mandated by federal and state regulations. Specifically, FCRA Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Georgia identity theft fraud laws, dictate that consumer consent is a fundamental requirement for any credit reporting activity. 

Furthermore, Georgia law, in conjunction with federal regulations, underscores the necessity of consumer consent for credit reporting activities and establishes clear guidelines for fair reporting practices. The unauthorized access and misuse of personal information, as evident in this case, are deemed unlawful under Georgia identity theft fraud laws. 

I wish to emphasize that I have not provided consent for PROF DEBT to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and demonstrates a disregard for both federal and state laws, potentially resulting in damage to my creditworthiness. 

I demand that PROF DEBT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Georgia identity theft fraud laws. Failure to comply within the stipulated timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Compliance with these regulations is not negotiable but a legal obligation designed to protect consumers from unauthorized credit reporting practices. I expect prompt action from PROF DEBT to rectify these violations and respect my rights under federal and Georgia laws. 

This communication is made in good faith, and I anticipate your immediate attention to this matter.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV Funding LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by LVNV Funding LLC , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV Funding LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that LVNV Funding LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Recovery Management (FL)

Professional Recovery Management , Inc. dba Fox Collection Center has obtained my nonpublic personal information through fraudulent means and financial identity theft. Professional Recovery Management , Inc. dba Fox Collection Center is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization for the purpose of monetary gain through extortionate means. Professional Recovery Management , Inc. dba Fox Collection Center has intentionally and knowingly omitted and distorted facts regarding consumers nonpublic financial information in exchange for monetary gain. This misuse of nonpublic financial information for a fraudulent financial action was publicized by Transunion, LLC through a consumer file. In XXXX XXXX XXXX consumer received a letter from Professional Recovery Management , Inc. dba Fox Collection Center via U.S. mail service to defraud consumer which has caused consumer financial harm and brought injury to the consumer. This unauthorized publication has deprived me of right to privacy, caused significant harm resulting in financial loss, loss of opportunity, defamation of character, subsequent mental anguish, and has exposed me to the risk of further financial identity theft. Here is a list of Tennessee State statutes and United States codes that were violated by Professional Recovery Management , Inc. dba Fox Collection Center and/or XXXX, XXXX Tennessee Code 39-14-150 ( XXXX ), Tennessee Code 39-14-120 ( XXXX ), ( 18 USC 894 ), 18 USC 1028A ( a ), 15 U.S. Code 6802, ( 18 USC 242 ).
Consumer complaint received 2024-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

I am writing to formally file a complaint against XXXX XXXX LLC concerning their handling of a debt that I do not own. I believe XXXX XXXX LLC is in violation of my federal rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I received a notification from XXXX XXXX LLC regarding a debt allegedly in my name. However, this debt is not mine. Despite my attempts to communicate with them, XXXX XXXX LLC did not provide me with timely notification of my right to dispute the debt, as mandated by federal law. This delay has hindered my ability to address the situation promptly and has caused unnecessary stress and concern. 

According to the FDCPA, debt collectors are required to notify consumers of their right to dispute the debt within XXXX days of the initial communication. XXXX XXXX LLC has failed to meet this requirement, thereby violating my rights as a consumer. Additionally, their continued attempts to collect on this disputed and unowned debt are further compounding the issue. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX XXXX LLC ceases their collection efforts on this invalid debt. Furthermore, I request that my credit report be corrected to reflect the accurate status of this debt, removing any negative marks associated with it. 

I appreciate your attention to this urgent matter and look forward to your prompt resolution.
Consumer complaint received 2024-06-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (WV)

XXXX was sent to a collection company several years ago for an unpaid phone. At XXXX years, it dropped off my credit after I disputed it. XXXX months later, they filed with a different collection company. I have disputed it again and they are refusing to comply.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (PA)

To : COMENITYCB/MYPLACERWDS Account # XXXX Dear COMENITYCB/MYPLACERWDS This letter is to formally dispute the debt you are attempting to collect from me and your subsequent inclusion of this disputed debt on my credit report. I am writing to you specifically concerning your actions in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including : 12 C.F.R. 1006.34 ( b ) ( 5 ) : This regulation requires you to send a validation notice within five days of initial communication concerning the alleged debt. I have not received such a notice.

12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) ( ii ) : What you claim the debt is valid based on? However, I dispute this claim for the following reasons : Not my Account.

12 C.F.R. 1006.34 ( g ) and 15 U.S.C. 1681-1687 : By placing this disputed debt on my credit report before providing a proper validation notice and verifying its accuracy, you have violated both the FDCPA and the FCRA. Additionally, your claim that you have " no authority to furnish any account to a consumer report agency required by law '' is misleading and misrepresents your actions.

Therefore, I demand the following immediate actions : Cease all collection efforts related to this disputed debt.

Remove the debt from my credit report with credit bureau ( XXXX ). 
Provide written confirmation of both actions within 30 days of receiving this letter.

Please be aware that if you fail to comply with my demands, I will be forced to pursue further legal action against you, which may include reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and/or filing a lawsuit in civil court. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (TX)

Someone got car loan in my companys name along with mine. Ive forwarded a copy of my FTC IDENTITY THEFT REPORT via email. My secretary says the institution calls multiple times a day. This account is not mine nor my companys and I need them to close this loan out immediately.
Consumer complaint received 2024-01-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (DE)

My credit unioXXXX paid off this loan on XX/XX/2024 via check in the amount of {$25000.00}, check number XXXX, dated XX/XX/2024. The check was sent via us postal service and received at upstart on XX/XX/2024. The XXXX XXXX XXXX tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to company supervisors several times and the refuse to credit the payment and stated they dud not receive the check even though the postal service tracking number shows it was received and signed fir by a company representative. In the interim, my loan sows 21 days past due and XXXX hurting my credit status.
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IN)

Subject : Account Suspension Appeal Dear PayPal Team, I am writing to appeal the suspension of my newly registered PayPal account. I was surprised to learn that my account was suspended shortly after I registered for it, as I have never used the PayPal service before and have not had the opportunity to engage in any suspicious activity or policy violations. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. 

As a new user, I am eager to use PayPal to conduct safe and secure online transactions, and I am confident that I will abide by all of PayPal 's policies and guidelines. Therefore, I believe that this suspension is unwarranted and unjustified. I would like to request that the necessary steps be taken to review my account and reinstate it as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX