davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Two charge off accounts are reporting a balance which Is against the law considering those two accounts are not mine. 
XXXX  XXXX account ending in XXXX And XXXX XXXX a 3rd party for XXXX  XXXX. There not my accounts I never opened those accounts. I'm very ill and this is only causing me stress and making my XXXX XXXX worse
Consumer complaint received 2024-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (TX)

Iam writing to file a formal complaint against freedom mortgage corporation regarding their ( agents ) XXXX XXXX XXXX at XXXX, XXXX, and XXXX XXXX XXXX regarding their involvement in a recent modification process on or about XXXX XXXX it has come to my attention that the lawyer may have engaged in serious misconduct by utilzing fraudulent documents during the proceedings, I believe XXXX XXXX XXXX are in violation of the .applicable rules of professional conduct specifically 1. Rule 8.4 ( c ) this rule states this is professional misconduct 2. Rule 3.3 ( a ) ( 1 ) this rule imposes a duty of candor on lawyers 3. Rule 4.1 this rule prohibits lawyers from making false statements of material facts or omitting material facts.i request that the CFPB conducts a thorough investigation into this matter to determine the extent of the lawyers misconduct and take appropriate action. Iam prepared to provide any necessary evidence, documentation, or witness testimony to support the investigation process. thank you for your attention to this matter, I trust in the cfpb dedication to enforcing the rules and taking appropriate action to address misconduct within the legal community. sincerely XXXX XXXX
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Services Group, Inc. d/b/a ConServe (AZ)

Collection agency Conserve gave my information out including my identification and details about my debt to someone other than myself. Despite them not trying to contacting me before in any way. This surprise has caused long-lasting mental and marital problems I was only recently informed of this incident after I received a notice to collect a debt by the agency. Despite the IRS already taking the debt out of the 2024 return taxes. On top of that they're trying to add a fee for processing, something I am certain is not my debt and can not afford to pay anyway.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

XXXX XXXXXXXX XXXX dollars We received and XXXX and XXXX message that money is available through pick up, however when we about to pick up, money is not available. As we call on to tje customer service, they needed the call from the sender, sender is at sea and not available to call.. 
Procedure is hassle to both sender and receiver.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: West Central Texas Collection Bureau (TX)

It has come to my attention that West Central Texas Collect and XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In the midst of the pandemic my benefits Were Somehow given to another and despite constant communication efforts on my part with the Bank of America XXXX I receive no justice no traction and no benefit from filing multiple complaints regarding the theft of XXXX in benefit money that never ended up in my bank account but rather someone else 's. At the end of the day no investigation and no issue of benefits back to me within the required amount of time set forth under federal law most notably the electronic funds transfer act and the XXXX  days to issue the credit or a reasonable written explanation of why it has not issued such credit. We understand the burden of Bank of America and what it is gone through with the pandemic unemployment insurance nevertheless it's fiduciary responsibility is held above all others when responsible for those who are XXXX  and unemployed and those folks should be treated no different than those who are not. The original dispute filed aprox case # filed with Bank of America prepaid card division was XXXX XXXXXXXX filed more than a XXXX XXXX XXXX  ago.
Consumer complaint received 2024-03-26
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. (CA)

In accordance with the Fair Credit Reporting Act, these creditors, has violated my rights. Under 15 USC1681 section 602 states : I have the right to privacy. 15 USC 1681 sec 604a sec 2 also states a consumer reporting agnecy can not furnish an account without my written instructions. Under 15 USC 1666B : a creditor may not treat a payment on a credit card account under open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-26
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. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (LA)

Received an alert of a new collection on my credit report on XX/XX/24. I pulled my report to discover a collection for a debt that I have no knowledge of nor is there an unpaid debt listed on my credit report to warrant a collection. 
I have disputed the item with the credit bureau.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, New Jersey XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against I C SYSTEM INC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against I C SYSTEM INC for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** I C SYSTEM INC has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that I C SYSTEM INC cease such practices immediately.

4. **Failure to Provide Disclosures : ** I C SYSTEM INC has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by I C SYSTEM INC , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between I C SYSTEM INC and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of I C SYSTEM INC. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-26
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. (MI)

I reviewed my consumer reports and noticed that I had XXXX late payments on my XXXX credit report that I was never late for. The consumer reporting agencies have assumed a valid role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screen shot inside the complaint in on dates XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. XXXX XXXX  is showing as an adverse account with XXXX  days. The other XXXX bureaus are not showing XXXX  days late. Thanks! Please see screenshot attached.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ACIMA CREDIT, LLC (TX)

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My XXXX loan shows a period of delinquency when I was actually in an XXXX repayment plan. 
o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fig Tech Inc. (TX)

I nave recenty found on my credit report the presence C several inquires as entries separate from their corresponding accounts. These inquires duplicate inaccurately the information in my file. The inquiry entries should be deleted or at least merged into the accounts to which they belong Under the provisions of the Fair Credit Reporting Act 15 USC Section 1681i, please reinvestigate and delete these disputed items, and send me the names and addresses of persons contacted. Under 15 USC Section 1681i ( 5 ) ( A ), you are allowed thirty days from receipt of The purpose of this credit repair letter to complete these actions, unless you immediately notify me otherwise. Please understand that failure to re-verify these items within this time constitutes non-verification, and the items must be promptly deleted as per Section 1681i ( a ).

Also, according to 15 USC Section 1681i ( D ) of the Fair Credit Reporting Act, please notify me when the items have been deleted, and send an updated copy of my credit iport to the address below. 

There should be no charge for notification of changes on my credit report, pursuant to 15 USC section 1681j, of the Fair Credit Reporting Act.

1 appreciate your assistance with this matter.
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

Debt was opened on XX/XX/2024 without my permission or knowledge in my name. Because XXXX XXXX doesn't require much identity verification protection. An account can be opened with very little information needed. On XX/XX/2024 I was a victim of domestic violence and identity theft from the Defendant and I currently have a protective order against him for this already. File no XXXX
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

We have sent Ally numerous payments to get our vehicle loan paid down and they are not applying them to our balance. We have paid them over XXXX this month alone and another XXXX in XXXX. Our car was involved in an accident on XXXX and also the transmission went out and needed to be replaced and we are still in process of repairs. They are not applying payments sent and charging almost XXXX in late fees but again they are not applying payments made to principal or adjusting our payments!!!! It states we owe XXXX!!! How when we just paid them XXXX in the last few weeks??????
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On my credit report I see a credit card I did not authorize and I have spoke with XXXX XXXX and they can't help me or assist and I am requesting this to be removed from my credit or marked as closed due to I have no knowledge and it's incorrect and a violation to FCRA " All must report accurate information or shall be subject to penalty '' I have made this my third and last request otherwise I shall file a Class Action as I have checked that XXXX XXXX is incredibly high in fraud and transactions as of any other bank.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (AK)

I am a survivor of XXXX XXXX. Approximately XXXX XXXX ago I had an account I believe with XXXX XXXX. My XXXX had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXXXXXX XXXX I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX using internet sites to XXXX XXXX  XXXXXXXX XXXX XXXX In addition, my parent passed away and I can't cash the cashier 's checks at even XXXX or any credit union or bank. All require an account and even XXXX has my social flagged due to the XXXX XXXX incident that was due to the person who was XXXX me last. 

I am XXXX XXXX  XXXX in the case against XXXX ( etc ), XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX. The description of videos is proof. One being my XXXX is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXXXXXX but I do have records of payments to XXXX. I can as you also can easily XXXX XXXX ( my middle name ) XXXX and see my XXXX all over the internet. I can also provide the case number with the court in XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TN)

I am writing this complaint in regard to a newly realized issue concerning an account being reported to the consumer reporting agencies by SELF FINANCIAL INC . This problem is that this account has been significantly re-aged. I have taken into account that this behavior is both inaccurate, fraudulent, and illegal. These behaviors constitute violations pursuant to the FCRA 15 USC 1681s-2 ( a ) and 18 USC 1001 for Fraud. As a result of the re-aging of this account, the statute of limitations when it comes to late payments have been illegally altered and manipulated. This account has been closed since XXXX XXXX XXXX. This is a prime example of unfair and inaccurate credit reporting and I rightfully demand the removal of the late payments reported in this account or the existence of this account in its entirety from ALL consumer reporting agencies.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I request that you provide a copy of the contract or agreement bearing my signature with your company, as required by law, to prove that I have a legal obligation to pay this debt. Please note that a photocopy or electronic version of the agreement will not suffice ; I require a contract with a wet ink signature. 

Until you have provided the requested information and validated this debt, I am exercising my rights under the FDCPA to dispute the debt and request that you cease all collection activities. 

Please respond to this request within 10 days of receipt. If you fail to provide the requested information, I will consider the debt to be invalid, and you must cease all collection efforts and remove any negative reporting from my credit file. 

Failure to address these concerns promptly may necessitate further legal action to protect my consumer rights.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 

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 2024-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (FL)

I enrolled my debt with XXXX XXXX XXXX. They enrolled my mower with Scheffield financial into my debt program. It was a secure loan. They didn't double check before adding this to my profile. I didn't know what secure meant. I could not log into my profile for the first month. My cell phone number was not even added correctly in my profile so there was no communication on either end. I did a they told me to and unenrolled my auto pay accounts. Stop paying creditors and cobble l block phone numbers. Scheffield came and repossessed my mower after missing my second payment. I tried to explain my debt consolidation to them. They said because I did not communicate with them they would not work with me to get my mower back and catch up on payment. Forth debt company initially told me I would be better off discharging my debt from the debt program ... and taking a loss! Then they wanted me to send a large payment to them to be able to negotiate my mower with scheffield without even knowing if I would get it back from the auction it was going to in another state! So I was left with a repossessed mower that i use for my buisness and a debt company who did not double check my profile before signing me up. So I trashed my credit in belief I would come out on better standing. I lost my main piece of equipment for my buisness. And I was left with no help or justice. Just negative remarks. How can I still save my credit after all this and take repossession off my account?