davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (PA)

I have had a checking and savings account, a credit card and an auto loan with this croucked company. Their fees are insane and they move withdrawals around to get the most overdrafts. Then on loans they claim to sell the vehicle WAY under value leaving a huge balance to pay. Customer service is rude and unhelpful.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (GA)

I have retained new copies of my credit reports, and noticed that Exeter finance LLC did not furnish the credit bureaus with the required disclosure, within the period required by law. Exeter finance LLC are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/year> at XXXX XXXX I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2024-02-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX, I received an email from my friend that she needs help to give {$300.00} XXXX gift card to her sick friend because she, herself is on traveling. I checked her email for just in case, but her email address is correct as usual. So I wanted to help her and bought XXXX XXXX gift card ( $ XXXX ) and send it with pin #. Until that time, I did not know it's scam. 
I tried to call to my friend to make sure, but she didn't answer me. 

I was asked for another {$300.00}. so I recognized it's scam and deleted those emails and changed PW. I reported that scam to the bank. 

It's really horrible that how the scammer use my friend 's exact email address.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

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 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

Jefferson Capital through their agents, employees, representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023 and reported this account to my consumer report. There is no Privity of contract. Jefferson Capital through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title XXXX of the United States Code. I did not receive any notices from them as required by the Fair Debt Collection Practices Act. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying XXXX XXXX can legally collect, and proof that XXXX XXXX is the current holder of the instrument which created the debt with my original blue ink signature. Jefferson Capital is violating the holder in due course clause pursuant to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ). A debt cant be transferred or sold when past due or in notice of dispute. This fraudulent account on my credit report has made my score plummet and this is causing so much damage. I refuse to pay any debt to Jefferson Capital and I do not consent or authorize for Jefferson Capital to have access to my nonpublic personal information as they are third parties and I never did business with them. I have reported this to the Federal Trade Commission. 
This is grounds for a federal lawsuit.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (IL)

XXXX XXXX is reporting a debt to my credit report without my consent the original creditor XXXX never sent me a valid debt validation letter, which I requested to see the information on their paperwork, no contract with my signature and my address is not correct. Also, they are reporting this debt to only one credit agency XXXX XXXX. I contacted them which they tried to charge me money for them to send in documents and get this deleted because the agent seen the errors on my report.
Consumer complaint received 2024-02-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I received the gift card as a birthday gift on Saturday, I attempted to use the card on Sunday evening in the amounts of {$84.00} & {$14.00}, both were declined. 

I then attempted to get fuel for {$45.00} and that was declined. 

I called the company informing them of the issues I was having and they informed me that there were restrictions on the card and where they could be used at. I stated that information in no where on the card nor the packaging for the card. 

I asked them if they had a list or somewhere where I could see the list and they stated that they did not have one.
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (IN)

Basically I checked my credit on the XXXX mobile and I seen my credit score dropped by a lot. The name of the credit/lender that was responsible for fake debt collection is XXXXXXXX XXXX and I did some research, found out that they're are fake debt collection agency. Seen people review them online saying they are getting hit with random hard inquiries with high amounts of fake debt owed to them. I don't recognize this company or the collection/account opened on my credit report/activity. This is a fraudulent inquiry and can you guys please remove this off my credit report, I plan on buying a house eventually. It appears as XXXX XXXX XXXX - XX/XX/2024
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation (GA)

I'm filing another complaint against Bridgecrest because they had a representative call me in XXXX stating that they had some documentation with my signature on it. The representative hung up on me once I informed her that I intended on recording. Nothing was resolved. No documentation has been mailed out to me. I have not received anything, not even a phone call or email. I have recorded conversations with XXXX stating that this contract is null and void. I also have XXXX seperate emails from a XXXX XXXX responding for both XXXX and claiming to be an Agent Specialist for Bridgecrest. This is fraud and it should be dealt with accordingly. They also had my car towed and caused more damages to my car. I have filed a complaint with them as well.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

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 2023-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Good morning : Coinbase disabled my digital wallet without any evidence and they don't even let me withdraw the money I have stored. 

I have already tried to contact the company but they do not answer me. Is there any way that you can help me? 

Thank you for your time.
Consumer complaint received 2023-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In late XXXX Bank of America initially charged me for forced mortgage insurance that allegedly occurred in year XXXX. I called numerous times and on XX/XX/XXXX I sent BofA a letter ( attached ). BofA responed on XX/XX/XXXX ( attached ) and asked me to wait. On XX/XX/XXXX BofA sent me a letter ( attached ) which informed I was to pay {$3800.00} for forced insurance for year XXXX unless I could provide proof of insurance. 

In year XXXX I provided proof of Insurance and the {$3800.00} charge was removed as evidence by the BofA yearly Statements ( attached ) provided to me for years ending in XXXX - XXXX. I could not find yearly statements for year XXXX and XXXX. 

After 10 years it is impossible for me to re-provide proof of insurance because the insurance company informed me they only keep records going back 5 years. 

See attached documents
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-09-25
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}
Consumer complaint received 2023-05-23
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-09
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. (PA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
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: Cash In Minutes (UT)

Called the XXXX XXXX office today to get the pay off of the loan and explain the situation, the lady that answered refused to give me the pay off after i asked multiple times. she started to threaten me with statements like " we will go ahead and take your collateral '' when i stated i didn't have the collateral she then threatened me with " then we will proceed with legal action! '' i told her i'm trying to get the pay off and give you a promise to pay date -since i refinanced my home and explain the situation and she kept repeating " we are not going to wait for you, we are not going to hold off until the XXXX of XXXX '' I even stated that if there were late fees assessed that i would have that included in the cashiers check to cover the days i am past due- she refused and started to treat me like less and made me feel discriminated because i was asking for time to send in the pay off check. I have never had this issue with any of the locations and have always paid them off this is the first time i was having an issue and i was treated so unfairly and extremely poorly, after arguing with her she said to call her manager and hung up on me. 
I then called the XXXX location to get the phone number for the manager and left her a voice mail explaining the situation and After an hour I called back to the provo location and someone from a that location stated to call the XXXX location and ask them for the pay off ( she did how ever provide me with the pay off for their location with no issue, and the same with their XXXX XXXX location ). I proceeded to call that number and the lady that answered told me she could text me the pay off with no issues. When i asked if it was in fact possible to be taken to court less than 7 days past due she said " its up to the manager of that location '' leaving me doubting and afraid of being sued when i'm trying to get the information for the pay off to have a cashiers check sent to them. It took multiple calls, an argument with someone who in fact did NOT want to help and her threatening me with legal action ( considering its not even a week, today its 3 days past due ) i started to cry from the fear of being taken to court when all i want to do is pay them off.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Consumer Financial Protection Bureau Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccuracies present on my credit report, which have been reported by PORTFOLIO RECOVERY ASSOCIATES LLC . Upon reviewing my credit report, I have identified several violations of federal laws in the handling of my account, as outlined below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite numerous requests, I have not received sufficient documentation to validate the debt they claim I owe. This failure to provide validation directly infringes upon my rights under federal law. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper channel through which I can challenge the accuracy of the reported information, thereby denying me my statutory right to dispute the account. 

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. These actions violate my consumer rights and undermine the integrity of the credit reporting process. It is imperative that such unethical practices be addressed to ensure fair treatment of consumers. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This blatant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) constitutes a clear violation of my rights as a consumer. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and take appropriate measures to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against PORTFOLIO RECOVERY ASSOCIATES LLC. for failing to comply with federal laws and disregarding consumer rights. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX