davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

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

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Property Receivables, Corp (NY)

I had recently disputed this account that COLLECTTECH has furnished on the consumer report without any authorization from the consumer nor with my prior knowledge. XXXX did not remove the account stating that the creditor had verified the account without providing me the proper evidence of indebtedness that I lawfully requested. I, as a living man know that I dam sure don't owe a debt that I never had with this entity COLLECTTECH. Reporting unverified information on a consumer report is a violation of the FCRA. It is your duty as a credit reporting agency to conduct a fair and thorough investigation and NOT the furnisher 's duty according to 15 USC 1681 ( i ).
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

My account was suspended by HSBC USA without any reason. They asked me to called them to provide the information of recently activities and said they will get back to me in two days. However after 10 days my account still locked and the customer service didnt give me any useful information and just let me wait. I am very disappointed and need the money in my account for paying the rent. 

The bank account number is : XXXX Name : XXXX XXXX XXXX : XX/XX/1997
Consumer complaint received 2024-08-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MARINER FINANCE, LLC (CA)

I am a few days late on my payment. I have asked this company, repeatedly, to NOT call my place of employment. They said that they would place a note in the file. Yet, they continue to call my place of employment. The last person that called was XXXX on XX/XX/2024. They asked my co-worker, when I would specifically be back in the office. My co-workers are not curious about my personal business.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/year>, {$12000.00} was debited from our business checking account without our authorization through an ACH ( XXXX  XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). We promptly notified the bank the same evening and filled out the necessary paperwork to report the fraudulent debit and have our account credited the funds that were taken. We received the following information from the bank : XXXX XXXX of XXXX XXXX XXXX in XXXX, KY posed as a legal representative of our company, XXXX XXXX, and filled out an ACH debit form to have {$12000.00} transferred from our bank account to XXXX XXXX XXXX XXXX, XXXX in XXXX, VA. The funds are being held in their account in XXXX XXXX XXXX  and have yet to be returned or credited back to us. Neither Bank of America nor XXXX XXXX have been helpful in getting our money credited back to our account.
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

In XXXX, I applied for an American Express Delta XXXX Credit Card ( having a XXXX XXXX yearly fee ). I applied because the Card offers many benefits and the Delta companion certificate was one of the benefits and the main reason. After a month I called Amex customer care to find out about the companion certificate, they said I'd be getting the certificate by the end of XXXX ( I am sure Amex would have the record of that conversation ). When I called them again, they said you won't get your companion certificate for your next renewal. See this is what it says " Companion Certificate Enjoy a Companion Certificate on First Class, Delta XXXX  or Main Cabin domestic, XXXX XXXX or XXXX XXXX roundtrip flights each year after renewal of your Card. * '' This information is very misleading, they should have mentioned that you will be eligible for the companion certificate after 1 year. We have been going through some challenges for the last few years, and we XXXX XXXX XXXX XXXX  a few months ago ( my wife was in her XXXX XXXX, and unfortunately her XXXX XXXX XXXX XXXX XXXX ). We thought of going on vacation before we started our next XXXX  cycle again so I applied this card. 

Thanks, XXXX XXXX
Consumer complaint received 2024-06-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB Corporation (PA)

USCB CORP Last reported XX/XX/year> Account Details Account type Other Loan Account status Open Balance {$1800.00} Monthly payment {$0.00} Interest rate 0.00 % Date opened XX/XX/year> ( XXXX mos ) looking for all proof of owning debt to this agency have yet to receive any information or correspondence
Consumer complaint received 2024-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (FL)

XXXX/OPPLOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Pre-Demand Notice for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and misleading information furnished to the credit reporting agencies regarding my account. These violations have caused significant harm to my creditworthiness and financial standing. 

# # # Violations of the FCRA **1. Failure to Provide Proof of Validation** Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and provide proof of validation when a consumer disputes the accuracy of information. Despite my request, you have failed to provide such proof for the disputed account. 

**2. Discrepancies in Close Dates** The close dates reported are inconsistent across different sections of my credit report. This violates the FCRAs requirement for accuracy and completeness.

**3. Incorrect Dispute Status** The dispute status listed on the report does not accurately reflect the current status of my disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers are obligated to report accurate information, including the status of disputes.

**4. Inconsistent Dates of Last Verified** The dates of last verification for the disputed accounts vary across my credit report, indicating a lack of proper investigation and validation.

**5. Incorrect Date of Last Activity** The date of last activity reported for the accounts is inconsistent and incorrect, affecting the statute of limitations and my credit score.

**6. Different Payment Status** The payment status reported differs across various sections of my report and does not match my actual payment history, violating the requirement for accuracy under the FCRA .

**7. Misleading and Inaccurate Reporting** The entire report presents a misleading and inaccurate picture of my credit history, which is a direct violation of the FCRAs accuracy requirements.

# # # Demand for Correction and Compensation Given these multiple violations, I demand the following : 1. **Immediate Deletion of Inaccurate Information : ** Remove all inaccurate and misleading information from my credit report.

2. **Monetary Compensation : ** Provide compensation of {$1000.00} for each of the seven identified violations, totaling {$7000.00}, as provided under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

Please consider this letter as a formal notice before legal action. If these inaccuracies are not corrected and the compensation provided within 30 days, I will be forced to pursue legal remedies to protect my rights under the FCRA and other applicable consumer protection laws.

I trust this matter will receive your immediate attention. Please provide written confirmation of the actions taken to resolve these issues and the payment of the demanded compensation within the specified timeframe. 

Sincerely,
Consumer complaint received 2024-06-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (WA)

On XX/XX/XXXX, XXXX XXXX I received a voicemail call where Monterey Financial did not provide the message about being a debt collector and an attempt to collect a debt. I since then received repeated calls and voice mails from an automated system on my cell phone.
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

CFPB capped late fees at up to {$8.00} dollars, American Express late fee is 100 %, I have {$16.00} dollars transaction on XX/XX/XXXX, due to pay on XX/XX/XXXX, then I see a late fee on XX/XX/XXXX is {$16.00} dollars, that 100 % late fee. Amex violated to much.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cohn, Goldberg & Deutsch,LLC (MD)

I received notification from the XXXX XXXX XXXX  stating that a case was opened against me for a debt that was not validated. Had a request to validate this debt been provided, they would have known that this account was fraudulent due to identity theft. I have since provided the documents showing this is a result of identity theft ; however, the open case record has now tarnished my name. 

Per FDCPA, any debt collector is to provide the consumer with XXXX days to dispute the debt, however, they started legal proceedings prior to following the law.
Consumer complaint received 2024-06-13
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: Paypal Holdings, Inc (NY)

I purchased a subscription thru XXXX XXXX XXXX and was charged XXXX paid to XXXX XXXX XXXX  I never received tracking or the item I bought I purchased thru PayPal I disputed with PayPal who sided with the merchant who provided no tracking and or product I want a refund asap
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (IL)

My email address was used for someone's credit card account. I do not have a credit card with this company. The company was Destiny Mastercard with Concora Credit Inc . They sent emails to me regarding a statement for this credit card. I called and they stated that the name on the account does not match my name so they will let their people on the backend know. I am unsure why they do not have email verification as this would have prevented the situation. I was worried my identity was stolen.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

According to a certified mail receipt, the credit bureaus received my dispute regarding all accounts relating to CAPITAL ONE on XX/XX/year>. I sent an affidavit to CAPITAL ONE explaining the inaccuracies listed on my credit report as well as duplicate accounts. These concerns raised questions around the reliability and validity of the information reported by this company, so I requested validation of all debts associated with CAPITAL ONE. These debts included : CAPITAL ONE, ACCOUNT NUMBER : XXXX ( duplicate account ) CAPITAL ONE, ACCOUNT NUMBER : XXXX CAPITAL ONE AUTO FINANCE, ACCOUNT BEGINNING IN : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ( duplicate account ) On XX/XX/year>, I noticed XXXX CAPITAL ONE credit card accounts removed from my credit. On XX/XX/year>, I received an email directly from the company stating they received my dispute regarding the auto loan. No mention of the CAPITAL ONE credit cards listed in the dispute. My Experian dispute center does not show a dispute reported for the credit cards which were removed and my XXXX results returned stating disputed items not currently reporting on your file. '' However, they were REMOVED from my credit file. In addition to that, the XXXX XXXX XXXX collection was the duplicate I was referencing which is still on my account. Then a collection under the furnisher PORTFOLIO RECOVERY was then added to my account once these credit cards were removed.

Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of these account due to inconsistency in account information amongst the reports. Which was not validated, resulting in the removal and further confirmation that the furnisher understood the FCRA violation. Also, under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S. Code 1681s2 ) both the bureaus and the creditors have an obligation to report disputes accurately. That was not done in this case resulting in another violation of FCRA and showing the companies lack of due diligence in credit reporting.
Consumer complaint received 2024-08-27
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. (AZ)

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 2024-09-04
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. (PA)

Today, I was dismayed to find unauthorized inquiries on my credit report with no explanation. I regularly check my report, but this time, unexpected discrepancies appeared. I tried refreshing my browser, thinking it might be a technical issue, but the inquiries did not disappear. This situation is troubling, and I ask that the documents I've provided be thoroughly examined so I can stop worrying about this matter.
Consumer complaint received 2023-05-26
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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX You are in direct violation of the Fair Credit Bureau Act. Account Name Chase ( JMCB ) Account Number Last Four XXXX 15 U.S.C 1681 section 602 A. Clearly state that I have the right to privacy.

15 U.S.C 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B a creditor may not a payment on a credit card plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Bureau Act.
Consumer complaint received 2024-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (CA)

I received a debt collection letter for an ambulance ride that claim someone took with XXXX XXXX XXXX and the debt got passed on to them ( Debt Recovery Solutions , LLC ). I thought it was spam at first and it still seems that way even though it's an actual business. I have never lived in LA nor have I ever taken an ambulance so I can't possibly owe them {$1000.00} dollars. Here is the email I sent on XX/XX/year> : " be advised Debt Recovery Solutions , LLC I am disputing the debt yall sent me. I have never used XXXX XXXX XXXX in my life so XXXX cant have a bill from them. Youre letter reference # XXXX Again, this is not my debt. Please cancel any further fraudulent debt collection activities regarding me. '' They then sent me " proof '' on XX/XX/year> that the debt was mine that looks like they generated it in their office with XXXX word. I've attached the " proof '' they sent below. It lists someone sharing my name as living at a XXXX XXXX in LA. I called them and they said I had to provide proof that this wasn't me and I was like what proof? I don't live there nor have I taken an ambulance. They wouldn't tell me what I needed to prove that this wasn't me and told me that the debt collection will continue and then hung up. 

This is clear fraud once you look at the form or at best a poor attempt at identity theft.
Consumer complaint received 2024-07-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

This account was originated by XXXX XXXX XXXX wireless and was sold to 3rd party collection agency. Ive disputed thru all three credit bureaus and this was agreed that it was a fraud account and was removed from my credit report they then sold it to 3rd party collection agency and Ive dispute and theyve been remove XXXX  times now a credence resource mana account # XXXX is report it again and this time this would make the second time they have reported this account it was removed once before. I would like this account removed and blocked for good
Consumer complaint received 2024-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MO)

US Bank XXXX XXXX ( located at XXXXXXXX XXXX XXXXXXXX XXXX ) had a promotion to earn an additional {$100.00} when you open a new Standard Savings account. 

" To quality, you must open a new Bank XXXX checking account. In addition, make {$1000.00} or more in total deposit ( s ) to you new Standard Savings account by XX/XX/XXXX and maintain a balance of {$1000.00} or more through XX/XX/XXXX. '' The promotion code listed on the bottom of the promotion flier is XXXX. 

The account had {$1000.00} for the duration of the period. 

The credit should have been paid within 30 days of XX/XX/XXXX. On about XX/XX/XXXX XXXX ( branch manger ) told ( us ) that the account qualified for payment and that the {$100.00} would be deposited in a few days. On about XX/XX/XXXX, with a second call, XXXX informed ( us ) that it might take a few more weeks. On XX/XX/XXXX XXXX informed us that she sees the request and that the money ( {$100.00} ) should be deposited on the XXXX ( 30 days ). On XX/XX/XXXX XXXX was surprised but unhelpful regarding why the deposit had not been completed. 

On XX/XX/XXXX XXXX at US bank main line claimed to have put in a research request and stated that an email would be sent to ( us ) and the deposit within 3-5 business days. 

On XX/XX/XXXX XXXX was contacted by ( XXXX ) and could not see any annotations on the account about what XXXX claimed he had done. She escalated to a supervisor. No supervisor answered. A message for a call back was left. 

On XX/XX/XXXX XXXX could not see any records of the issue and transferred to a supervisor where another voice message was left. 

At XXXX pm the patience has run out for the SCAM ARTISTS known as US bank. Get them please. Where's the money XXXX?
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (GA)

I originated a business loan with XXXX XXXX XXXX under my business name in XXXX and signed as a personal guarantor. I originated multiple business loans ( XXXX ) from XXXX to XXXX, and was never late on any of my business loans, which never appeared on my personal credit. BSI financial was the service provider for XXXXXXXX XXXX XXXXXXXX and my account was setup to auto draft payments monthly. XXXX went out of business around XX/XX/XXXX and was purchased by a new company at the same time my loan was up for maturity. Due to maturity, XXXX XXXX removed my account from auto draft and would not accept any payments on the account while the loan was under renewal/extension with the new company. My drafted checking account had over {$200000.00}, so why would I risk my personal credit and not pay $ XXXX. XXXX ended up extending the loan, but XXXX added the business account to my personal credit file 5 months later and recorded 3 late payments to my account and accepted my late payments which they refused in the previous months. My credit rep at XXXX stated they would removed the late because he was familiar with the case and knew it was an isolated incident. BSI has refused to remove the inaccuracies. I provided letters stating they removed my account from auto debits, bank statements from the auto draft checking account. This error has caused me denial with other business loans and has affected my credit score over XXXX points.