davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NY)

On XX/XX/year>, he opened an account at Citibank XXXX XXXX in order to receive compensation payment from a legal claim. On XX/XX/year>, I went to the ATM and deposited 2 checks in the amount of {$7400.00} each, from XXXX XXXX XXXX XXXX XXXX. I received correspondence from Citibank confirming the deposits and stating that my money would be available starting XX/XX/year>. On XX/XX/year>, I received correspondence where the bank indicated that my account would be automatically closed in the next 60 days, because I had violated the terms of my account and if I needed the funds to be sent before 60 days, I would be contacted. I called and they told me that in 30 days I would receive a check at my home with the funds returned. Now I can not contact the bank by phone because I am not a customer. On XX/XX/year>, I sent an email to my Personal Banker ( XXXX ) to get news about it and he did not respond. It's been 78 days and I haven't received any notification about it, I don't know where my money is, I don't know what's happening.
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. (NY)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Foreclosures {$0.00} Please see the attachment as I have analyzed everything on my credit report!!!
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (OR)

XX/XX/XXXX {$65.00} XX/XX/XXXX {$45.00} XX/XX/XXXX XXXX XXXX  {$300.00} XX/XX/XXXX {$150.00} I disputed XX/XX/XXXX I cant get anyone to update regarding my claim This all started after I downloaded XXXX and did some shopping on their website. I have 2 other affected accounts that happened same time and those claims were disputed same date as found and the claims have been investigated and reimbursed back to me. Found hasnt started investigating
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. i did not receive proper notification. if in fact you think I received proper notification send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (CA)

I AM A VICTIM OF IDENTITY THEFT! I AM A VICTIM OF XXXX XXXX BREACH 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 
2. Provide me with written confirmation of the results of your investigation. 
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made. 
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 

There is no contract between Portfolio Recovery Services LLC and myself, nor is there any contract novation in place between the original creditor XXXXXXXX XXXX XXXX, third party Portfolio Recovery Services LLC and myself, therefore I have no obligation with this non-affiliated third party Portfolio Recovery Services LLC. 
Per 15 U.S. Code 6802 section b ( 2 ) states, This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. Portfolio Recovery Services LLC has not provided a contract with the original creditor stating they are contractually obligated to collect on the original debt on behalf of the original creditor. 
15 U.S. Code 1681:604 section a ( 2 ) states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I invoke my right to opt out at any time of my non -public personally identifiable financial information as defined in 15 U.S. Code 6809 4 ( a ) from being reported on and to credit reporting agencies from the third party Portfolio Recovery Services LLC . 

Portfolio Recovery Services LLC and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Portfolio Recovery Services LLC whether it is verbal, non-verbal, written, implied or otherwise is revoked. As the consumer per 12 CFR 1016.7 ( g-i1 ) which states that A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. This opt out shall be in effect for any past present and future endeavors of, between and through Portfolio Recovery Services LLC, XXXX, XXXX and XXXX pertaining to myself and any variations of the name as listed in the opt out letter attached to this CFPB complaint file.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Dear Sir/Madam, I am writing to file a formal complaint against Source Receivables Management for violations of the consumer financial protection laws as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( 7 ) ( a ) and 15 USC 1681 ( e ) b. 

I do not owe this debt I never had a XXXX XXXX XXXX or services ( account # XXXX ) and I ask for debt validation, the purchase agreement between them and the original creditor. I have included the attachment with multiple inaccuracies across all three major credit bureaus regarding this collection. 

Source Receivables Management has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. 

Source Receivables Management is violating my consumer rights by using false and misleading, misrepresentation and deceptive means. 

Source Receivables Management has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681s-2 ( 7 ) ( a ).

Source Receivables Management did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account and yet shared these inaccuracies on consumer report, this is a clear violation of 15 USC 1681 ( e ) b. 


Based on my experience and the evidence provided, I believe that Source Receivables Management has violated the following laws. 

12 CFR 1006.34 ( b ) ( 5 ) : Failure to accurately validate information to consumers concerning their accounts.

2 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to conduct proper investigation of disputed debts and provide consumers with adequate responses.

3 ) 12 CFR 1006.34 ( d ) Failure to maintain and implement reasonable policies and procedures to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ).

4 ) 15 USC 1681s-2 ( 7 ) ( a ) Failure to accurately report information to consumer reporting agencies.

5 ) 15 USC 1681 ( e ) b Did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account. 



I request that the Consumer Financial Protection Bureau investigate these alleged violations and take appropriate actions to ensure compliance with consumer financial protection laws. Im revoking all rights of Source Receivables Management to contact me via emails/text/calls. 




Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

I've tried for 5 months to get in contact about resetting my nelnet account waited hours on hold and sent dozens of emails. The website says they can't find my account even though I have emails stating the confirmation of account creation. Loans are due to start repayment this month and I have received no information or help and risk not being able to pay my loans because I can't access the account with my repayment information. I have tried resetting passwords, usernames, called 5 times, emailed dozens. No one will talk to me or help me.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

{$500.00} was taken from my account by a fraudulent user on CashApp on XX/XX/2019. CashApp made it seem like I was only approving the message from the user and not the actual transfer of funds from my bank account to the fraudulent requestor. When I instantaneously realized what happened there was nothing that CashApp could do to disable the transfer.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Credit acceptance Corp. put a closed delinquent account on my credit from a involuntary repossession that took place in XXXX. Credit acceptance Corp. is now stating that its an opened account with no payment required, but its not a collection or a charge off. They are falsifying information and flip-flopping back-and-forth. I have spoken to them on a couple different occasions and I keep getting different stories to the account. This has caused me major credit issues and financially harming to me. Tennessee state lost statue of limitation is XXXX years and credit acceptance Corp. is violating the state law and again financially harming me. This needs to be deleted off of my credit due to credit acceptance flip-flopping on this account and not accurately reporting and changing their comments of the account. That account is over XXXX years old and again I can not express this enough. It is financially harming me and violating state law..
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

Chime hacked into my account locked me out of it and claimed after me giving them everything I had with my name birthdate etc. proof of Im me but they dragged it out until finally my apt manager had had enough and called them and magically she was my id opened it up for me and I copied what was fraudulently taken from my SSDI check. Now today they have closed the ticket out and removed all of the previous items that were taken from my savings and checking account. I have all text and emails and copies of what was taken.
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: EQUIFAX, INC. (MD)

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 update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2019-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WI)

I have had multiple unauthorized transactions and tried multiple times to contact the company they have no direct number and they keep sending emails saying that they are going to have someone contact me but it has been over 6 months ago and still no response no results they didnt say anything else about it and I want my money
Consumer complaint received 2024-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CountryPlace Acceptance Corporation (FL)

My lender paid for XXXX different insurance policies which put my escrow account in the negative. I only just now found out because they are raising my mortgage to make up for it. There was no prior communication about this when it originally took place. There was an overpayment of {$2500.00}. I have been attempting to resolve this for XXXX weeks now. I keep getting the runaround and can't seem to get the issue resolved. I've waited on the phone for hours, continue to email people, and I get no response from anyone.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXL Account Number : XXXX Account Name : Untitled 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 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, XXXX and TransUnion on XX/XX/XXXX and every 30 days up until presentXX/XX/XXXXI asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

XXXX  account was taken during my identity theft and funds transfered to creates new account I proved fraud and identity theft with my identity theft restoration XXXX and was assured i was covered but they just closed the account and put a negative mark in my credit report