davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from JEFFERSON CAPITAL SYSTEM : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX grantee, beneficiary All Rights Reserved
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (SC)

I am writing to file a formal complaint against XXXX for unauthorized disclosure of debt to a third party, Jefferson Capitol Systems. On XX/XX/year> XXXX XXXX  communicated details of my debt to XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX. This unauthorized disclosure has caused undue stress and violated my rights as a consumer. 

Despite the provisions outlined in 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), XXXX 's action resulted in the transmission of sensitive financial information to a party not involved in the debt collection process. This breach of confidentiality has not only compromised my privacy but has also caused significant XXXX and XXXX. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against XXXX for their unauthorized disclosure of my debt to Jefferson Capitol Systems. Furthermore, I request that XXXX refrain from any further unauthorized disclosures of my personal financial information to third parties. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will take swift action to address this violation and protect the rights of consumers.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX Balance : {$750.00} 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

On XX/XX/2023, I found a mistake in my credit reports. I noticed an account listed under Caine & Weiner # XXXX, which I did not recognize. I requested validation of this debt on XX/XX/2023, but I did not receive any correspondence to validate this debt as requested. I made a second attempt on XX/XX/2023, by writing another letter requesting validation of the debt, but there was still no response to my request. Upon reviewing my credit report on XX/XX/XXXX, this account is now reporting without the creditor validating that this account belongs to me. I do not believe this account belongs to me, and I also do not believe that the creditor has authorization to access the account or attempt to collect on the account. This account is negatively affecting me, and I request that it be removed from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is true and correct.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: EQUIFAX, INC. (NY)

This individual may have deep information of my credit and credit history. This company has used a tax credit agency to scam me for {$500.00} to {$800.00} and I believe she then syber stalked me to gain access to my social security number to gain in my name as I have not been able to purchase credit cards.
Consumer complaint received 2023-08-10
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

The original debt is to XXXX XXXX for the total of {$840.00}. This has been turned over to the collection agency Portfolio Recovery Associates. The collection agency on my XXXX credit report does not show that this account has been disputed. This violates the law because 15 USC 1692e8. They have not reported that this has been disputed. This account should there for be deleted from report. Also they have had more than 30 days to report this dispute. Item should be removed from credit report immediately.
Consumer complaint received 2017-02-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Debt Restoration Services (MD)

On XX/XX/XXXX, I received a voicemail message from a " XXXX XXXX ( sp? ) '' claiming to be the Director of the Board for the Fraud Department of Debt Restoration Services. He stated they have been attempting to contact me for the past five months concerning a pending civil suit against my name and social security number for maliciously attempting to defraud a financial institution for theft of services. He went on to state they will attempt to freeze my assets including any anticipated tax returns, including a wage garnishment. He advised that I should call XXXX ext. XXXX. On XX/XX/XXXX, I received a validation of debt letter from XXXX XXXX on behalf of XXXX XXXX XXXX via email. Please be advised that this complaint is in relation to a prior complaint filed with CFPB XX/XX/XXXX. Refer to Case number : XXXX. XX/XX/XXXX, the Federal Trade Commission filed a permanent injunction and monetary judgment against XXXX XXXX and their entities.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXX Balance Owed : {$660.00}
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

Social Security XXXX check was deposited to Wells Fargo Bank in the amount of {$2300.00} on XX/XX/XXXX. A {$150.00} cash was withdrawn on XX/XX/XXXX at XXXXXXXX XXXXATM XXXX. Traction # XXXX Wells Fargo saw this as an overdraft withdrawn, which made my account in the negative. Proof of ATM receipt is available. Upon calling the bank, my online account showed Social Security deposited the funds to Wells Fargo on XX/XX/XXXX. The case was disputed with no results. The ATM, XXXX card was cancelled on XX/XX/XXXX, but have unvalidating fraudulent charges in XXXX and XXXX since reporting the issue on a now closed account.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/2023 I got a Email form XXXX XXXX XXXX. Goldman Sachs banks XXXX. Said I had a XXXX for {$210.00}. I called them they said they Canceled the XXXX.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a complaint last XX/XX/ and it was closed immediately and is marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

[ Violation of 15 U.S. Code 1692e ] - False or misleading representations ] ( NATIONAL CREDIT SYSTEMS ) - Account Number : XXXX
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report. I am particularly concerned about the following accounts : XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX XXXXXXXX charge off account XXXX XXXX late payment account XXXXXXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXXXXXX late payment account XXXX XXXX XXXX charge off account XXXX XXXX XXXX Collection account I understand that these negative items can have a significant impact on my credit score and my ability to access credit. However, I believe that some of these items are in error, and I would like to request that they be removed from my credit report. 

I also want to note that the impact of these negative items has been extremely difficult for me and my family. It has caused us a great deal of stress and XXXX, as we have struggled to secure the loans and credit we need to maintain a stable financial situation. 

Furthermore, I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information that appears on my credit report. I request that you investigate these negative items and provide me with a detailed response explaining the results of your investigation. 

Thank you for your attention to this matter. I hope to resolve these disputes as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

XXXX XXXX, Bank : Nation Star Mr. Cooper. Loan : XXXX On XXXX Trial period Flex Modification Program- First step qualifying for Permanent loam modification. 
1st payment {$1900.00} Made in XX/XX/XXXX 2nd payment {$1900.00} Made a Incorrect payment for {$2400.00} in XX/XX/XXXX Payment was put on hold. The bank called to confirm the payment was okay. 
The payment was not apply to mortgage. 
Please Help me ... ... ... ... ... ... ... ... ... ... .... 
Please Help me ... ... ... ... ... ... ... ... ... ... ... Nation In XX/XX/XXXX WAS TOLD MY HOUSE IN FORECLOSURE- Due non payment. 
The law firm XXXX XXXX XXXX XXXX dated XX/XX/XXXX for {$170000.00} Debt Collector I called Customer Service XXXX XXXX 3rd payment {$1900.00} to paid on XX/XX/XXXX
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For the second time, I have had to send the paperwork to XXXX to have me added to the loan. I was provided both times the paperwork from our family real estate attorney. I have to do work and spend time trying to get this done via phone call, via email to only never get a call in regards to this from supervisor or whomever is at the end of the loanservicing email. Now - after waiting 30 days, having to call multiple times to find out you're saying my LAWYER gave me the wrong papers, or just maybe you have them wrong. I don't. I want this loan to reflect my name and payment history. I want any and all loans reported correctly to all XXXX credit bureaus. Also, as there has been money left over from all closings we've had, I am curious as to where my payments of 1/2 are. As I know legally they're issued to both owners- with an AND so therefore if my ex did anything improper, illegal- and you let him and executed this. Therefore- you both dud something illegal. I want my 1/2 of all monies to be sent via overnight delivery ASAP. I will be calling local authorities in regards to this complaint being sent today. I also requested how to have the deed corrected only to not be able to speak to anyone at all that knew how to do this - except of course for the only email they have, the good ol general loanservicing one that no one ever replies to. I have also sent my legal name change from XXXX to XXXX that was to be corrected on the loan and to be given my own pin as my ex wont give it to me. I have been waiting for weeks to get my " complaint call for a supervisor '' within 24-48hours to ever occur. 
In summary- I want my name, XXXX XXXX XXXX on the loan papers where I am listed first to be on the loan. Next, all loans to be reported to all 3 credit bureaus.I want 1/2 the monies owed me from all the closings that I never received my 1/2 of- which is to be done and is confirmed sent to both of us. I want legal ramifications on all of these issues both with my ex as well as XXXX. And finally, to get me into physical contact with someone from legal about correcting the title/deed. Otherwise, you can be informed at the next closing as a surprise- but I am trying to go about it the right way and advise you and have us do the paperwork together with my attorney at XXXX XXXX XXXX. 

I did try and attach the loan paperwork but the file was too large but I can send anytime requested.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-03-05
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. (NY)

As of XX/XX/2022 The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencirs written permission to furnish these accounts on my credit report as well
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (NY)

The company is XXXX XXXX XXXX. I paid into my account for 4 months they closed it unexpectedly and told me in the app that they would send my closeout amount in XXXX business days. I waited past XXXX business days and contacted them They sent correspondence telling me they put a freeze on my payout of over {$100.00} and my credit score went down XXXX points. 

They gave misleading information and had my score raise and closed my account and then act like they are not returning my money. My credit score dropped lower than it was then when I got with Self. Now they are trying to keep my money. I want my money back asap. The amount of over {$100.00}