davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
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. (GA)

I am writing to bring to your attention a matter regarding my credit report. Upon reviewing my credit file, I have noticed several unauthorized credit inquiries that were made without my explicit authorization. 

I would like to request and formally ask XXXX to promptly investigate and remove the unauthorized credit inquiries from my credit report. These inquiries have negatively impacted my credit score and financial standing, and I believe they were conducted without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Andreu, Palma & Andreu, PL (FL)

On XX/XX/year> at XXXXXXXX XXXX service of a court summons was delivered to a listed address and received by a third person not the XXXX. The summons was a complaint brought against the XXXX  by XXXX XXXXXXXX XXXX XXXXXXXX, and through the Debt Collector ANDREW, PALMA, LAVIN, & SOLIS, PLLC. Debt Collector is also acting as counsel for XXXX XXXXXXXX XXXX  XXXX. Located at the footer of the court documents is the common clause, " This COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. The XXXX  never received any Notice of Assignment prior to this cause of action from the alleged creditor or the Debt Collector ANDREU, PALMA, LAVIN, & SOLIS, PLLC. The AFFIANT also researched if the Debt Collector ANDREU, PALMA, LAVIN, & SOLIS, PLLC is licensed to collect debt in the state of Florida which yielded negative results. The Debt Collector used deceptive, and unfair debt collection practices by not affording the XXXX to dispute this alleged Debt. The Debt Collector sought remedy directly through State Courts. The debt collector continues to Abuse the XXXX  with its continuance of legal pleadings, causing prospective jobs to be lost ( unemployed ), martial instability due to time and effort placed on XXXX to defend in court pleadings. Individual privacy because the Court is public and records can be shown. Numerous letters from 3rd party law firms persistently filled the consumers mail box relating to this alleged debt. ANDREU, PALMA, LAVIN. & SOLIS, PLLC has violated 15 USC 1692 ( FAIR DEBT COLLECTION PRACTICES ACT ), Public Law 95-109 802 et al. It is presumed that the unfair advantage placed on this XXXX/Consumer by ANDREU, PALMA, LAVIN, & SOLIS, PLLC has most certainly affected many others, and should be resolved in a timely manner.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter off on XX/XX/. I have my tracking number. To remove personal information that. I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violation of my federally protected consumer rights.
Consumer complaint received 2024-01-27
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. (TX)

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. 


Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Caine & Weiner Company 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 Caine & Weiner Company 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 Caine & Weiner Company 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 Caine & Weiner Company 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 2024-01-26
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. (OH)

Reporting agencies are reporting a charge off on my report. Which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! Also I the consumer never authorized any credit reporting agencies to report on this consumer report, which is a violation of The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/year> I was notified of account restriction, i called and asked Why is my account restricted? The response was : they are investigating ; I have no access to my paycheck. The bank has blocked me from taking out my paycheck out of the account, I can't pay my rent, my school fee or purchase food or pay my car note.
Consumer complaint received 2024-06-11
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. (FL)

My mother purchased a vanilla gift card for me in the amount of {$100.00} for XXXX. I was going to use it to get a new weed eater but we moved to a different state instead tried using the card at XXXX which sells vanilla gift cards around late XXXX early XXXX. My XXXX total was under the {$100.00} balance I have on the vanilla card. I could not get this card to work. I set up the pin which the XXXX employee told me to do. I was at XXXX for 45 min with my son and wife trying to get this vanilla gift card to work with no success. Very embarrassing and frustrating because at the time when I called the number on the card it told me my balance was {$100.00}. That number on the card no longer works.
Consumer complaint received 2019-03-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

CurrentlyIhavebeenintheprocessofgettingamortgage.IstartedthisprocessbackinXXXXofXXXX.IbeganthesearchoflendersanddiscoveredthatIhadissuestoresolvewithmycreditreport.Idiscovereddiscrepancieswithallthreebureaus.IhadcleanedupmycreditandsettledsomedebtatthesametimeIdeputedsomethingandlettimepasssomyscoreswouldincrease.InXXXXadisputewasonmycreditreport.Ihadthedisputesremovedandmyscoresdroppedtosignificantly.InXX/XX/XXXXIbegantobuildmorecreditandproduce2tradelineswhichappearedinXXXXandinXXXXtakingmyscoresupbetweenallthreebureaus.IhadmycreditreportpulledonXX/XX/XXXXandontheconsumerreportsmycreditscoreswereXXXX,XXXXXXXX,andXXXXtransunion.MylenderpulledmycreditandthedisputesbackinXXXXreappeared.IcalledtohavethemremovedandatthesametimeIhad2tradelinestopost,XXXXincreaseonstudentloanstoappear,removalofthedisputeswhichcausedmyconsumerscorestogodowntoXXXXfortransunionwhichIloss66pointfromanaccountbeingindisputesinceXX/XX/XXXXwhichwasn'tmadeawaretome,XXXXXXXXalossof53pointsthesameXXXXXXXXacctdisputewasremoved,andalossof35pointswithindaysofremovalofthedisputewhichwasplacedonmyacct.backinXXXXcausedextremedamagetomycreditreport.Iamwritingthisdisputebecauseidontthinkitwaslawfulforthebureaustobeabletoimpactmycreditsignificantlywhendisputesaresupposetoberesolvedwithin30days.ThesedisputeswereplacedonmyaccountsinXXXXandremovedinXX/XX/XXXX.Arecreditbureausallowedtodeducted50ormorepointswithnosignificantchangesononesreportsortradelines?Thishasandstilliscausingasignificantproblemformeandmyfamily.Iamnotabletocompletethelendingprocessbecauseoftheinaccuracyreportingbetweenallthreebureaus.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

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 XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NJ)

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 Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New Jersey 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 XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NJ)

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 Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New Jersey 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 XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

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 Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida 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 XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

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 XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Florida 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 XXXX
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : APPLE CARD/GS BANK USA XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc. (KY)

This debt for {$80.00} was paid roughly 2 years ago. I paid online, and it has never came off of my credit report. 

I trued to email into support but have never received a response and it is still reporting.
Consumer complaint received 2024-06-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Onity Group Inc. (PA)

I had & XXXX dollar loan was sold to ocwen then phh I paid almost XXXX this is horrid I just sold my home & phh took almost XXXX dollars from me Ive been making payments for years they tried for closing several times that I was making payments
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-11
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Valon Technologies, Inc. (WA)

I was working with a loan officer, explained my entire plan on what I was going to purchase and where. I even sent XXXX links so he had all the facts and so that I could get confirmation that I could proceed with putting an offer on a home I wanted. I was guaranteed that it would work. Then I finally get an offer accepted I send it to him and suddenly he is not working there anymore. I connect with ANOTHER loan officer and turns out everything I was told with the other loan officer was lie. I was planning on purchasing a manufactured home in a manufactured park and I was very clear on this from the beginning, also the XXXX links stated the homes were in manufactured home parks. This was a total of 2 months of communication and detailed confirmation that this was going to work and they could fund this loan. I even confirmed with the loan officer at the time that we could purchase a home built before XXXX, and he confirmed it was possible but needed to pass certain inspections. I was mislead for two months and wasted my time along with the realtors and sellers times for these two months.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NJ)

I am writing to file a formal complaint against Amsher Collection Services for their ongoing violations of my consumer rights as outlined under federal law.

Details of the Complaint : 1. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific validation information to the consumer. However, Amsher Collection Services has failed to provide me with any validation information regarding the alleged debt. Despite this failure, they have proceeded to place a collection on my consumer report.

2. Lack of Opportunity to Dispute the Account : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt. Amsher Collection Services has not given me this opportunity, which is a clear violation of my rights. This has left me without the necessary means to contest the validity of the alleged debt.

3. Use of False, Misleading, and Deceptive Means : Amsher Collection Services has employed false, misleading, and deceptive means in their attempts to collect the alleged debt. This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from such unfair practices.

4. Unauthorized Reporting to Consumer Reporting Agencies : In accordance with 12 CFR 1006.34 ( c ) and 15 USC 1681s-2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any account information to consumer reporting agencies. Amsher Collection Services has furnished information to consumer reporting agencies without providing the necessary disclosures, thereby violating these provisions.

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Amsher Collection Services for their violations of federal law. I also request that any negative information placed on my consumer report by this agency be removed immediately until such time that they comply fully with the legal requirements to validate the debt and provide me the opportunity to dispute it. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Phone Number : XXXX Email : XXXX Collection Agency Information : Amsher Collection Services Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX I have included copies of all relevant correspondence and documentation related to this matter for your reference. 
Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XXXX Credit Card I pay online though XXXX XXXX XXXX  and balance owned on my bill pay system. In XX/XX/XXXX I made XXXX Payments XXXX just minimum of {$30.00} and the second right before the Holidays I paid the full balance of XXXX. I have not received any bills from XXXX after that payment and now they are stating I owe residual interest from XX/XX/XXXX no purchases were made on this card. I spoke with XXXX different people today and nobody can explain this except that interest is compounded like a car loan and home loan daily so my pay off for XXXX was not {$100.00} which they cashed on XX/XX/XXXX. I just got an email from them today stating my minimum payment of {$43.00} was due XX/XX/XXXX. I called because I thought maybe someone used my card even though I cut it up.
Consumer complaint received 2023-06-09
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. (NV)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.