davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

Dear CFPB, I am writing to file a complaint against IC System for violating my rights under the Fair Credit Reporting Act ( FCRA ). I believe they have engaged in unfair and deceptive practices in relation to a collection account they placed on my credit report. 

Specific Allegations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : IC System failed to provide me with the required validation information regarding the alleged debt before placing it on my credit report. This includes details such as the creditor 's name, the date of the debt, and the amount owed. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given a reasonable opportunity to dispute the accuracy of the account before it was reported to credit bureaus. I did not receive a proper billing statement or any communication allowing me to contest the debt. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : IC System reported the account to credit bureaus without providing the necessary disclosures required by law. This includes information about the original creditor, the date of default, and the validation process. 

Potential HIPAA Violation : The alleged debt relates to medical bills, IC System has violated HIPAA regulations by disclosing my protected health information without my authorization. 

Impact : These actions by IC System have caused me significant harm, including : Damage to my credit score : The inaccurate and unverifiable collection account has lowered my credit score, making it difficult to obtain loans and other credit at favorable terms. 
Emotional distress : The unfair and deceptive practices have caused me emotional distress and XXXX 
Financial hardship : The inaccurate information may also limit my ability to secure employment or housing.
Consumer complaint received 2024-02-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc (TX)

I bought the XXXX XXXX XXXX XXXX in the XXXX website on XX/XX/2023 for {$860.00} through PayPal Pay in XXXX XXXX. I was supposed to arrive on XX/XX/XXXX but I never received my package. I emailed to XXXX customer service and I field a dispute on PayPal on XX/XX/XXXX as XXXX is notorious for not responding to customers. I also filed a claim with XXXX as XXXX asked. The case took a month with multiple back and forth with PayPal ( about why the case was taking longer than expected ), XXXX, and XXXX ( multiple investigations about me still not receiving my package. PayPal closed the case in favor on XXXX. I called PayPal customer service and asked if there was anything else I could do and the representative said the next best option would be to dispute with my bank, so I did. I have paid 3/4 ( {$650.00} ) of the installments so I disputed those and XXXX XXXX settled in favor of me and I was credited back that money. However, I was berated with calls and messages from PayPal claiming that I owed the total amount ( {$860.00} ). I contacted my bank and they said they had already notified Payal. To be sure, I called PayPal customer service and was transferred from the general representative to the financial specialist to the Pay in 4 representative to the dispute team with no one understanding my problem. The case has been settled in my favor with my bank, thus I should no longer have to pay anything.
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (MI)

on XXXX XXXX XXXXXXXX XXXX tendered a security for an amount of XXXX XXXX  to Rocket Mortgage alleged loan # XXXX, in which they received via. registered mail on XX/XX/year> and thru phone recordings after that. they admitted to receiving my security but never applied it to the account, under XXXX XXXX there is discharge for the amount tendered.
Consumer complaint received 2023-12-14
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. (DC)

I have been receiving alerts that my consumer report is being ran which is putting inquiries on my report that I did not authorize. These are dated from XX/XX/2023- XX/XX/2023. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Consumer complaint received 2024-04-29
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. (MO)

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 informationisinaccurate.
Consumer complaint received 2023-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXXXXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-12-14
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. (FL)

I recently checked my credit report and there are a large amount of inquiries that dont belong to me. I have contacted the companies and credit bureau to delete this 6 months ago and nothing has been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC (CA)

LoanMe has had the wrong information reporting on my credit report for since 2017. They are reporting that the same loan was charged off twice, once each year. In fact, the company was paid in full and still reported this on my report. They harassed me at my place of employment by showing up and made a big scene in front of my HR supervisor at XXXX XXXX XXXX XXXX in XXXX CA at XXXX XXXX XXXX. 

Please remove the negative account for breaking the law of fair debt collection practices and contacting my work and harassing me and also false reporting on my credit report.
Consumer complaint received 2024-04-29
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. (NC)

I recently reviewed a copy of my credit report and noticed I had fraudulent inquiries on my report that I do not recognize form the following companies : XXXX XXXX XXXX XXXX, Date Inquiries ( XX/XX/year> ) - ( XXXX ) ( XX/XX/year> ) - ( XX/XX/year> ) - ( XX/XX/year> ) - ( XX/XX/year> ) XXXX XXXX XXXX, Date Inquiries ( XX/XX/year> ) - ( XXXX/XXXX/203 ) - ( XX/XX/year> ) - ( XX/XX/year> ) XXXX XXXX XXXX Date XXXX XXXX XX/XX/year> ) - ( XX/XX/year> ) XXXX XXXX Date Inquiries ( XX/XX/year> ) XXXX XXXX XXXX, Date Inquiries ( XX/XX/year>XXXX XXXX XXXX XXXX, Date inquiries ( XX/XX/year> )
Consumer complaint received 2024-01-01
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX Reference # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear DISCOVER BANK, I am writing to address your [ letter or phone call, as I contest the validity of the asserted debt. 

This marks the initiation of communication on this matter, and pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 809 - Validating Debts, I insist on a comprehensive written response providing the following information : 1. A detailed breakdown of the alleged debt and its origin ; 2. A clear and transparent exposition of the calculations leading to the purported amount owed ; 3. Provision of all documentation demonstrating my agreement to the indebtedness ; 4. Identification of the original creditor in question ; 5. Verification or furnishment of any judgment pertaining to this matter ( if applicable ) ; 6. Presentation of evidence of your licensing in accordance with the laws of my state, along with relevant license numbers ( if applicable ). 

I am acutely aware of my rights under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is imperative that you understand : Any imposition of interest or fees is permissible only as stipulated in the original contract and state legislation. 
Your obligation to respond to this dispute is limited to declaring your intent to either cease collection efforts or pursue lawful avenues for debt recovery. 
Pursuing a judgment without adequately validating the debt will be contested in a legal forum, and non-compliance with FDCPA guidelines will be brought to the courts attention. 

I explicitly communicate my decision to record all telephonic conversations, preserve all correspondence, and promptly report any violations to the State Attorney General, the Federal Trade Commission, and the Better Business Bureau. 

Given that I have formally disputed this debt, any reporting to credit-reporting agencies must reflect its disputed status. Failure to adhere to this requirement violates the Fair Credit Reporting Act ( FCRA ) 1681s-2. 

In the event that you do not hold the rights to collect this debt, I demand immediate transmission of this dispute letter to the original creditor for their awareness. 

Concluding, pursuant to section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I assert my right to be contacted solely via official mail. Any correspondence should be limited to notification of the termination of debt collection efforts or specific actions permitted by law. 

Your adherence to these directives is expected, and I anticipate your prompt and thorough response to this dispute. 

Sincerely,
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

unfortunately, I am a victim of human trafficking 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 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Net Pay Advance, Inc. (KS)

On XX/XX/2023, I submitted a complaint about Net Pay Advance and their predatory lending practices which include both unexpected and outrageous fees and interest. In that previously filed complaint, I detailed the hundreds of dollars I had paid each month, of which barely any went towards the principal, and which totaled the principal amount of {$3000.00}. I further went on to describe a fair resolution, which stated that " Since the principal {$3000.00} is already paid, plus interest, a fair resolution would be to have the account closed and reported as PAID IN FULL. No further payments will be requested and no more will be paid. Both parties end their engagement amicably. '' To resolve the issue, the company responded that they " The company agrees to close the account and require no further payments from the customer... we recognize that the customer has acted in good faith and we are therefore willing to write off the balance of the loan. The account will be closed and no further payments will be required from the consumer. '' At the time of the company 's response, I was satisfied with this response and proceeded to provide feedback to the CFPB that the company followed through on their word. However, the company ( Net Pay Advance ) has NOT followed through with their agreement. Since then, I've been repeatedly harassed with e-mails and text messages about payment. On multiple occasions I have provided representatives of the company with the original complaint and the company 's response. Each time they ignore what is clearly detailed in the report. 

To put it simply, an agreement was made between myself and the company, Net Pay Advance, and the company has not followed through with their side of the agreement. They continue to seek payment for which they have stated is a closed account. " The account will be closed and no further payments will be required from the consumer. ''
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt 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 didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (OH)

Under FCRA put guidelines ICSystem has violated my rights according to : 15 USC section 602 : right to privacy 15 USC1681 section 604A section 2 : consumer reporting agencies can not ferish account info without written instructions
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XX/XX/year> Dear EASTERN ACCOUNT SYSTEM Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written un written verbal and nonverbal per 15 usc6802.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

I made a mobile deposit to my USAA checking account with a bank check in XX/XX/XXXX. Half of the funds were put on hold and as of XX/XX/XXXX they are still on hold. This put me in a state of having insufficient funds to pay my automatic bills. When I called to complain they said the funds would not be available until XX/XX/XXXX.
Consumer complaint received 2024-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I saw a collections account from XXXX XXXX pop up on my credit report for past due XXXX XXXX service. I called them and they said it was tied to an address in XXXX XXXX ( I live in XXXXXXXX XXXX  ). 

They asked me to send them a police report and once I did the debt would pass back to the original creditor for investigation. I sent the police report and never heard back from them. When I called a week later, they said there was no longer an account under the original account number they gave me. 

I tried calling XXXX XXXX but since I never had an account, I don't have an account number and they are unable to verify anything without it. 

Then I received a letter today from another collections agency called IC Systems to my real address which I had given to XXXX XXXX for correspondence. It is the only way they could have gotten it. This was regarding the same debt, so it appears that XXXX XXXX just sold it to another agency. 

Now I am disputing the debt with the new agency, but I am afraid this is just going to continue and the collections are on my credit. My last name is not spelled correctly, and the address of the original account with XXXX XXXX is in XXXX XXXX. It is fairly easy to see that this is fraud, which is most likely why XXXX XXXX got rid of it right away after receiving the police report.