davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

I contacted Jefferson Capital systems initially XXXX XXXX at XXXX XXXX  in a phone call thay was 21 minutes and 17 seconds. 

I explained to then that thet are in possession of a false debt sent to them by XXXX XXXX XXXX and any attempt to collect on the fake debt would be in violation of the FDCPA fair debt collection practices act as the creditor had violated the FCRA. 

They told me they opened a dispute, but refused to provide me with a l case or reference number when I asked many times. 

They refused to provide me with any documentation when asked. 

They refused to allow my to submit evidence unless I mailed it to them. 

The very best morning they responded to XXXX credit bureau stating that the debt is nine and they closed the disoite with the credit bureau despite me telling then the entire following : Regarding Closed XXXX  Account # XXXX I am contacting you today due to my XXXX  account having had been closed due to XXXX FCRA violations for reporting inaccurate information and failure to correct errors, breach of contract as they failed to fulfill their obligations under the card agreement, and negligence & fraud as their actions caused me financial harm and damage, and FDCPA as they sent my false debt to a collection agency whom engaged in unfair or deceptive collection practices listed as : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX XXXX Any payments on this specific account should be made payable to Jefferson Capital Systems , LLC and mailed to the following address : Jefferson Capital Systems , LLC XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX My balance with XXXX  before they closed my account was {$2400.00} I provided XXXX  XXXX pieces of evidence with my dispute and thet denied it because the merchant responded with 3-4 pages which only consisted of a billing statement. 

I however provided statements from many of the merchants own employees confirming the charges were false and made dishonestly with bad business practices and fraud. 

I was paying for over 8 months for a XXXX XXXX cell phone plan but I never got the correct service in which I was paying for. 

XXXX refused to investigate, refused to transfer me to managment, and constantly refused to work with me. 

XXXX said there is no email nor other department and only a general email and a general phone number for XXXX. 

XXXX blamed vida for the disoite decision and stated it ls their fault as they make the decisions for XXXX  disputes. 

As a result, my credit score dropped from XXXX down to XXXX.
Consumer complaint received 2023-09-01
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. (MO)

I am requesting specifically regarding the reporting of late closed account. I have carefully reviewed my credit report from your agency and have identified inconsistency that I believe require immediate attention and removal. The 3 credit bureaus shall be removed this late closed account. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I am very pleased to request that you investigate this matter promptly and removed the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the removal once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this late closed account.. I expect your prompt attention to this matter and a fast resolution.This XXXX XXXX Balance Owed : {$0.00} should be removed right away.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX, # XXXX XXXX XXXX CRED U # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Consumer complaint received 2023-09-01
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; CHILDSUPPORT XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After reviewing my credit report Ive noticed a number of errors. As concerned and unaware to me there was incorrect personal information on my profile. I sent Transunion a letter explaining that the names and address on my profile arent true and to please fix this. 
I received an update of the information disputed that did not remove this untrue information. This is concerning because publicly credit bureaus sell your information to whomever wants to buy it and this means my privacy and livelihood are being violated. Lawfully to protect my rights and privacy there is only one name and address i have. All other names and address portrayed in my profile are open invitation to identity theft, prescreens, mail, etc are being sent to the illegal names and addresses on file. 
Please delete the following untrue information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My only legal residence is XXXX XXXX XXXX, XXXX, MD XXXX. 
My only legal name is XXXX XXXX. please update your records accordingly my safety is on the line.
Consumer complaint received 2023-04-14
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: National Credit Systems,Inc. (GA)

National credit systems has no respect for the laws. I have already informed them about their violation of the Gramm Leech Bliley Act since they can not provide me with permission they have from me to share my non-public personal information with non-affiliated third parties. National Credit Systems must provide me with documentation that proves they work in house for XXXX XXXX and that they are not just a debt collector or debt buyer that bought the debt with no authority to my personal information or agreement with.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DE XXXX RE : Complaint Regarding Debt Collection Practices Dear CFPB, This letter is a formal complaint regarding debt collection practices for a debt allegedly owed to Caine and Weiner with the original debt with XXXX  Nature of Complaint I am filing this complaint because Caine and Weiner has violated the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation, Regulation F ( 12 CFR Part 1006 ), in the following ways : Failure to Provide Proper Validation Notice 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-S2 ( 7 ) ( A ) ) I did not receive a proper validation notice from Caine and Weiner within the XXXX ( XXXX ) business days required by law. This notice should have included the amount of the debt, the name of the creditor to whom it is owed, and my rights to dispute the debt. 

Failure to Disclose Method for Disputing the Debt or Requesting Original Creditor Information ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) The validation notice, if received, did not clearly explain how I could dispute the debt or request the name and address of the original creditor. The CFPB regulations require debt collectors to provide clear and specific prompts for these actions. 

Collection Activity During Validation Period ( 12 CFR 1006.34 ( d ) ) Caine and Weiner has attempted to collect the debt before the expiration of the XXXX validation period. This period allows me to dispute the debt and restricts the collector 's ability to take further action. 

Request for Relief I request that the CFPB investigate these violations by Caine and Weiner taking the following actions. 

Ordering Caine and Weiner cease all collection activity until dispute is resolved. 
Requiring Caine and Weiner to provide corrected validation notice with clear instructions for disputing the debt and requesting original creditor information. 
Instructing the credit bureaus to delete any negative information related to this debt from my credit report if the debt is found to be inaccurate. 
Additional Information I have attached copies of all relevant documents, including any communication received from Caine and Weiner regarding debt Thank you for your time and attention to this matter. I look forward to your prompt investigation and a resolution that protects my rights under the FDCPA. 

Sincerely,
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

I transferred my loans to motels in early XXXX and had to call multiple times to eventually learn that my application had essentially been stuck and that they would need to put it back in the cue. 

Early XXXX I received notice that my labs are transferring but the online account showed XXXX balance until mid XXXX. On XX/XX/19 I was able to see a balance and an expected payment of ~ XXXX XXXXXXXX. This is greater than XXXX the amount that studentaid.gov calculated for IDR and almost twice the standard repayment rate. 

At the same time I have been trying to silly for a mortgage but can not currently get through underwriting unless I have formal documentation of my actual payment. 

I submitted a new IDR request and have been calling nearly every day and have been getting told 5-7 business days or 1-3 more days.

I called today to again request sons assistance in expediting the process. Later XXXX  the application has changed to approved online but without any change in the listed payment. I called back and they said it could take up to 90 days for the system to reflect this. 

I requested a letter explaining that I had been approved for the plan and the expected payment and was informed that it would be at least 5-7 days to process the request for a letter and that it would have to go through traditional mail. 

They were unwilling to try and find an email solution and told me if Id like to speak to a supervisor that there would be a 2hr wait.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/XXXX, I initiated a transfer from my Marcus online savings account to my XXXX XXXX savings account. The accounts are linked. The XXXX account is a new, joint account held by my wife and I. 

On XX/XX/XXXX, the transfer request was reversed. 

On XX/XX/XXXX, I initiated an online chat to try to understand why the transfer was reversed. The person on the chat indicated that I needed to link accounts, but then acknowledged that the account was already linked. The person on the chat went on to say their system was blocking the transfer for security reasons, but could not provide any information as to why. 

On XX/XX/XXXX, I attempted to initiate another transfer, and received a message saying that I needed to call the bank. I called the bank and inquired why I still was unable to make transfers out of my account. I was informed that my wife was listed as the primary account holder, and she would have to call in to authorize withdrawals, even though it's a joint account. 

Bottom line : our money is being held by the bank, and they won't allow us to withdraw funds. My wife 's attempt to withdraw funds to her XXXX XXXX XXXXXXXX checking account- which is also linked to the Marcus account- was also reversed. So we have not way of accessing our money.
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (PA)

This debt does not belong to me.. at the time this account was open I was XXXX  for XXXX  years. Under US 15 1681 I gave no consent to furnish or obtain my personal information. I have documents stating I was up for XXXX XXXX XXXX XXXX at the time ) this account was fraudulently opened
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (DC)

I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$3200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$640.00}
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio Recovery continues to show accounts on my credit reports as open/charge off/120 days late. I 've never opened accounts with this company, they are a junk debt buyer and apparently bought some information in groups from multiple companies. They contacted me over   XXXX   apparent debts they acquired and instead of disputing with them I went ahead and paid them so they would remove the harmful information from my credit reports. This has been going on for months now and these people keep changing information on my credit reports causing me severe harm. I have sent numerous request advising them that they were supposed to delete all of their information from all credit bureaus once I paid them these debts that I never even acquired with them. I have tried so many times to get this fraudulent company to correct and remove there false information that I 'm now faced with fighting this in court. I 'm hoping CFPB will be able to start the process and get this company shut down for good. I 've been following and reading the many court cases and lawsuits brought against them for the very same thing I 'm writing about. Thank you for your time.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OH)

Repeated phone calls from citi bank and I already told them I'm not able to pay and they still call harassining me day and night they just called at XXXX XXXX  they been calling none stop everyday I just want to be left alone nothing I can do about the debt and I will be filing bankruptcy
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (RI)

I began receiving emails from Chime saying my account was established and my debit card was on the way. All of the information was under my name and the card was sent to my address and there was no fraudulent behavior. The issue is I never signed up for the card and nothing seemed to be fraudulent. When I called chime they immediately closed the account. XXXX suspicious that chime opened the account without my permission and had access to my information through a XXXX  party.
Consumer complaint received 2024-05-14
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: ENOVA INTERNATIONAL, INC. (SC)

On XX/XX/year>, I reached out to all 3 credit bureau to notify them that i noticed some addresses on my credit report that did not belong to me. I was able to get one address removed from my credit report, but was unable to do so because of the multiple addresses and accounts thats in collections reporting to those accounts that did not belong to me. 

Im unable to finance for loans to do XXXX to XXXX XXXX because I have inaccurate & discrepancy on my credit report with all 3 credit bureaus. 

I reached out to all collections agencies that were reporting the inaccurate information to my credit report and requested to get all debt that was linked to the address that didnt belong to me removed and both the collections agencies & credit bureau refused to move those accounts or fix the information reporting on my credit report. 

I XXXX XXXX didn't give written permission to have those accounts furnished on my credit report. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Consumer complaint received 2024-05-14
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: CL Holdings LLC (SC)

On XX/XX/year>, I reached out to all 3 credit bureau to notify them that i noticed some addresses on my credit report that did not belong to me. I was able to get one address removed from my credit report, but was unable to do so because of the multiple addresses and accounts thats in collections reporting to those accounts that did not belong to me. 

Im unable to finance for loans to do XXXX to XXXX XXXX because I have inaccurate & discrepancy on my credit report with all 3 credit bureaus. 

I reached out to all collections agencies that were reporting the inaccurate information to my credit report and requested to get all debt that was linked to the address that didnt belong to me removed and both the collections agencies & credit bureau refused to move those accounts or fix the information reporting on my credit report. 

I XXXX XXXX didn't give written permission to have those accounts furnished on my credit report. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC (CA)

They advertise to help people with bad credit scores they will loan you money? I believe Inasked for {$500.00} and another time {$1000.00} and was denied because of my payment history had delinquency and late payments reported and the information came from XXXX however I was unlawfully denied an extension of my credit an was given the key facts and the key facts violated Title 15 law and regulations under Title 12 CFR and TILA and denied me my own credit is violation and that is discrimination and illegal to deny me credit especially after i gave them the the laws there to abide by and they ignored my claim or reconsideration and continue to refer to history of delinquency is the reason and so XXXX used my social security number as well many times with out my consent and that is a violation each time they used it and i was never formally sent a written notice or anything asking for permission to use my information and these violations have fines larger then what i asked to barrow?