davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (CA)

Achieve loan and XXXX XXXX XXXX misrepresented themselves and withheld critical information from me when this contract was extended. Achieve loan be the seller of the contract and XXXX XXXXXXXX XXXX acting as the lender. Achieve did not disclose the contract itself is the collateral that secures payment. Not only did Achieve make money from this transaction but XXXX XXXX XXXX as well being the depository bank. Seeing how this is my security I should legally and lawfully be receiving my share of the investment for my benefit. It is known under federal law that banks are BARRED from loaning money therefore XXXX XXXXXXXX XXXX can not lend anything of value. Neither Achieve Personal Loans or XXXX XXXXXXXX XXXX take into consideration the harm and damages this deception would cost me. 
( 9 ) " Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article.

As context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement.

( 14 ) " Securities intermediary '' means : ( i ) a clearing corporation ; or ( ii ) a person, including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity.

( 15 ) " Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article.

( 16 ) " Security certificate '' means a certificate representing a security.

( 17 ) " Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Carter-Young, Inc. (SC)

Carter-Young Inc responded to my first complaint through the CFPB on XX/XX/XXXX stating that they would delete this account from my reports however as of XX/XX/XXXX, this account is still being reported as a collection and is negatively affecting my credit. The company has failed to uphold their agreement to remove the collection account and also did not send any letter stating that they would delete the account ( which was stated in their response ). This account needs to be deleted ASAP, not in 30+ days!
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

Company NEVER sent verification of debt I never received notice of debt before applied to credit never received anything in writing multiple calls outside of business hours. 
Sent cease and desist letter awaiting response and removal from credit. Shows as open and past due. Also, National Credit System has no license to work in Texas per the XXXX XXXX XXXX XXXX XXXX. Below is copy of the letter sent. 

Dear National Credit Systems, I am writing to formally request that your company, National Credit Systems, cease and desist all communication and collection efforts regarding the alleged debt associated with my account, XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( b ), I am exercising my right to demand that you refrain from reporting any information about this debt to any credit reporting agency. 

Please take note of the following details related to my account : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX I dispute the validity of this debt and request that National Credit Systems provide verification of the debt as required by the FDCPA. Until such time as you can provide adequate verification, all collection activities must cease immediately, including any reporting to credit bureaus. 

Please consider this letter as a formal notification under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

Furthermore, any further attempts to contact me via telephone, mail, or any other means except to confirm receipt of this notice or to provide requested verification will be considered a violation of the FDCPA. 

Please send all future correspondence regarding this matter exclusively through written communication to the address provided above. Your compliance with these requests is expected and appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION (GA)

I telephoned Navy Federal regarding withdrawing funds from my account without my authorization. There were two occasions in which this occurred. The first occurrence they withdrew XXXX XXXX from my account and transferred it to my car payment. My car payment is {$1500.00} per month. At the time I asked the customer service rep why they would withdraw a partial payment from my account? He explained to me that it was a SYSTEM generated withdrawal. I explained to the agent that it makes not sense to withdraw a partial payment from my account because this caused my insurance payment to returned leaving the vehicle uninsured. The agent agreed to return the funds to my account. The funds posted within minutes. I also advised the agent they they are no longer authorized to withdraw funds from my account without my permission. The second time occurred XX/XX/XXXX, they withdrew {$1300.00} from my account again causing my insurance payment of {$700.00} to return. My car insurance will cancel because of this. I phoned them on XX/XX/XXXX and advise that I didn't not authorize them to withdraw funds from my account until on or after XX/XX/XXXX. The agent informed me that the agent a spoke to should have told me that the funds could be withdrawn early because it was scheduled for a Monday. I advised the agent to return th funds so my insurance company could be paid and I will allow them to with draw the funds on Tuesday instead.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions bank have created a record on our company that has made almost impossible to apply for a new bank account. We had been with Regions Bank for around 12 years and two years ago we decided to move elsewhere since they were manipulation our deposits so to create lots of fees for themselves. After we had the account closed they went ahead and file a complaint through some sort of XXXX XXXX XXXX saying that we owed them {$530.00}. We have asked them for the transaction and have had nothing but rudeness and bad faith attitude with us. We tried to go to the Federal Reserve of XXXX where this part of the banking system have sent a response letter to us with no signature no name or reference number and would never pick up their telephone calls. Region will tell you that they have already sent us the transaction while in fact its just a typed letter by telling how much we owe them. XXXX XXXX XXXX was the one who promised the official transcript to us and when I tried to call she was no longer with the bank.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to express my deep concerns regarding the overwhelming influx of unsolicited phone calls I have been receiving since applying for a mortgage. The sheer volume of calls from various mortgage lenders received at all hours of the day, has not only disrupted my personal life but has also significantly impacted my ability to conduct business without interruption. In the span of just a day and a half, starting from Monday afternoon XXXX to Tuesday evening XXXX, I have received a staggering 59 calls on my personal cell phone and 43 calls on my business cell phone, totaling 102 calls, all of which have persisted from XXXX XXXX  until XXXX XXXX, and are continuing. 

I am baffled and deeply troubled by how my personal information has been disseminated so widely without my consent, just by having my credit run for my mortgage. This breach of privacy has left me feeling extremely disconcerted and vulnerable. 

I implore you to take swift and decisive measures to address this grievous breach of privacy with all three credit reporting platforms, XXXX, XXXX, and TransUnion. Any guidance or support your team can provide in resolving this matter would be invaluable. 

I trust that you will recognize the severity of this issue and act expeditiously to rectify the situation. 

Thank you for your attention to this matter.
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. 
15 US Code 1681b you need permission to report on my CONSUMER report
Consumer complaint received 2023-10-11
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. (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 : DOEXXXX Account Number : XXXX Account Name : DOEXXXX Account Number XXXX XXXX Account Name : DOE/XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2024-05-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bilateral Credit Corp, LLC (AZ)

An entity self-described as a collection ( -Bilateral Credit Co- ) agency has injuriously and unlawfully continued to defame me and damage my ability to buy a home or otherwise receive favorable interest rates on loans or otherwise harmed my reputation by continuing to submit inaccurate information to the credit bureaus indicating that they own a debt against me. 

This alleged collection against me has on numerous occasions already been removed after submission of documents including an FTC affidavit and a police report and an identity theft federal case number document demonstrating that this debt is not mine and I am not responsible for it. However, this agency continues to publicize that they hold a negative debt entry on my credit report against me. 

This company has knowledge that this debt is not mine but continues to slander and harm me by continuing false allegation against me as a means to fraudulently extort monies from me by way of fraudulent publication.
Consumer complaint received 2024-04-04
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. (MD)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA (CA)

I HAVE QUALIFIED FOR THE PSLF FOR THE LAST 18 YEARS. I HAVE APPLIED MORE THAN 3 TIMES AND HAVE RECEIVED NO CLEAR APPROVAL OR DENIAL.
Consumer complaint received 2023-01-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please refer to information in Body. An account at XXXX XXXX was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX  XXXX  @ XXXX : Subject line : ID Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with XXXX. I am in the process of buying a house and if this causes any issues, I will pursue legal action against XXXX and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

Hello, This is my last attempt in speaking with you guys about violating my rights as it relates to my consumer rights. You guys are violating laws and I will list them. I have no knowledge that this account is mine. I have never received any letters from you guys stating you would report my non public information to a consumer report which is a third party entity. You guys will not sue because you are legally unable to, but I have the rights to sue and I will if this is not removed from my consumer report. 

1st law violated is 15 USC Code 6802 Obligations with respect to disclosure of personal information. ( a ) notice of requirement states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. If there was an alleged debt like you explained by federal regulations you are legally suppose to send that notice document. Which I have never seen nor do you have the proof that it was sent. You must also clearly and conspicuously disclose this in writing or electronic form or othr form permitted by the regulations prescribed under section 6804 of this title. And provide clear instructions of how I could exercise rights to opt out. None of that was provided.

2nd law violated what 15 US Code 1692g Validation of debt. you guys never submitted these documents either. If so please provide the documentation. With in five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- -- ( 1 ) the amount of debt : ( 2 ) the name of the creditor to whom the debt is owed : ( 3 ) a statement that unless the consumer within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; This was not done either. I have documentation that I have spoke with you saying this debt isn't mine and you continue to furnish inaccuracies on my consumer report.

I am asking for the bill of sale of this alleged debt and this is a notice to sue for aggravated identity theft and other violations that you previously stated in you have not violated.

Please stop responding with pre-typed responses and take this matter serious. I know every consumer law and you may want to get familiar with them before you cost you and your company XXXX.
Consumer complaint received 2023-10-10
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. (NY)

I have been disputing this account XXXX XXXX  ending in # XXXX multiple times. This account does not belong to me. I refuse to pay any amount to this debt that does not belong to me. This account must be removed a d it is reporting in violation of the fcra and fdcpa. I have never owner or opened or authorized any account with XXXX XXXX. 

Please find attached a new copy of FTC identity theft report.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

This Creditor had No Permissible Purpose to obtain my consumer report information.

This Creditor Violated Multiple Sections of Federal Law, including but not limited to : - [ 15 U.S.C. 1681b ], Permissible Purpose of Consumer Reports - [ 15 U.S.C. 1681s-3 ], " Consumer Report '' does not include any report containing information solely as to transactions or experience between the Consumer and the Person making the report.

Transactional Information was reported to my Consumer Reports in clear Violation of Federal Law ; FCRA [ 15 U.S.C. 1681a 2 ( A ) ( i ) ] and [ 15 U.S.C. 1681s-3 ], ( ... by reporting this transaction or experience on my consumer report, which CONGRESS clearly states IS NOT included on my Consumer Reports ).

A Notice and Demand For Deletion of these Late Payments on my Consumer Reports was sent to the Creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor has not deleted this inaccurate information, nor has responded in return.

It has been well over 30 Days from the date of receipt of my Notice and Demand letter.

Please Delete/ Remove these late payments from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX XXXX
Consumer complaint received 2023-11-12
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: T.S. Holdings (GA)

I have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with XXXX they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (RI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I filed a claim against the XXXX for the amount of XXXX with BoA. BoA researched the claim and decided to reverse the XXXX because XXXX claimed they had paid me back my XXXX when they refunded the XXXX. That is indeed untrue because the XXXX was for the initial join fee because the month I joined it was only {$1.00} to join plus the fee which totaled to be XXXX. They then gave you the option to cancel before the 30day period for a full refund and to not be charged for the following month. I cancelled with a XXXX and then my initial join fee of XXXX was refunded. The problem came in when I was still charged the XXXX. I then emailed the XXXX and they were suppose to refund my money.