davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unfair activities. They provided this account on which we did not agree and on which I did not sign an agreement. A legal contract is signed by two parties, and I was not a part of any of them. Furthermore, they did not follow the necessary 5-step validation procedure, resulting in unfair practices. According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights.
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (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 permitted 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. This 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 the FTC.
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

XX/XX/XXXX moved to my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Tx XXXX XX/XX/XXXX Had to cancel my service with XXXX The couldn't provide internet to my area I signed up with XXXX XXXX {$25.00} text/talk/data with 3GB Hotspot I then called all the internet providers in my area XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX etc . but none of them could provide internet to my address I still don't have internet service XXXX almost 1 year later A letter was sent to my emergence contact with my name dated XXXX from Credence Resource Mgmt. XXXX XXXX XXXX XXXX XXXX, TX. XXXX stating I owe XXXX {$100.00} service date XX/XX/XXXX I called them but they couldn't give any information what the service was for. I have never had an account with XXXX  only a conversation by phone XX/XX/XXXX XXXXcalled The FCC XX/XX/XXXX I filed a complaint with The FCC Ticket # XXXX XX/XX/XXXX Called XXXX but they insisted they couldn't give me any information because it was sent to collections We went round an round but to no avail This same day Credence Resource called me and stated I had to pay the debt or fill out a police report for Identity Theft I told them I would do neither This is simply a mistake. ( They sent the form anyway My emergency contact received the forms XX/XX/XXXX ) XX/XX/XXXX! year later XXXX XXXX office called She kept asking for my Soc. Sec. # I was willing to give my last 4 numbers because if I had an account with XXXX  they should have it She said she couldn't talk to me without my Soc. Sec. # and we went round and round I told her I wouldn't give out any more information they should have and the call ended. 

XX/XX/XXXX Called Consumer Finance ( you ) and was given information about how to file this compliant I don't owe XXXX anything I have never had an account or service with them I have never defaulted on any debt I have never paid any bill late I I have never had an XXXX  I have been with XXXX Since XX/XX/XXXX XXXXXXXX is trying to extort money from me holding my credit score hostage Everyone uses your credit score for little things like renting an apartment. I'm XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B.o .a is stating that I took my claims back which is a lie. they're telling me one thing you're telling you guys another they're still pretending to be a government officials and there's still a lot about my account, They also stated to Governor office that they have paid me all of my funds which is clearly another lie. I can't believe that you are believe to except l anything and all the lies they are telling you. This bank hasn't told you or anyone else the truth about my account or my claims .They continue to lie lie and lie to everyone including Congress Congress XXXX XXXX . This bank has no honest. Words to state.Who suppose to help the cin citizens of the United States of America with he lies and destruction and deceit of Bank of Americat of Bank of America. They continue to hold on to my claims after 2 and 1/2 years why.
Consumer complaint received 2023-08-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (NC)

The Lender on my new Jumbo mortgage is impounding too much money into escrow to cover property taxes and home insurance. The name of the XXXX is : CrossCountry Mortgage LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per CFPB 1024.17 Escrow Accounts ( c ) ( 1 ) ( i ) Charges at settlement or upon creation of an escrow account, I have performed an independent calculation of the Aggregate Adjustment number on the Closing Disclosure and have come up with a materially different number than my lender. 

My calculation shows that the Aggregate Adjustment should be a credit of {$2100.00} whereas the Closing Disclosure shows it as {$790.00}. The lender is padding the escrow account by {$1300.00} too much. 

I attempted to get the lender to fix this up until the last minute at closing, but they refused.
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

I did not consent to, benefit from or authorize any of the following Account : TD BankTarget- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My consumer rights were violated according to the FCRA. 

15 USC 1681 ( d ) ( 2 ) ( B ) - The consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly, by the issuer of a credit card or similar device.

15USC 1681b ( a ) ( 3 ) states that Consumers have the right to not share private medical information.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (GA)

I called National Credit Systems on XX/XX/2023 about a collection that is showing on my reports. I spoke with XXXX XXXX ( collection manager ). She explained the debt was from a previous apartment I had rented in XXXX and the charges were from carpet cleaning, I ask to see the billing statement from the apartment and pictures she sent photos only, I offered to settle the debt only if she agreed to delete the account of my credit reports, she said she could do that but refused to put it in writing. I told her I needed it in writing, she claimed she couldnt do that she could lose her job. She verbally agreed to delete but refused multiple times to put it on paper. She was very rude and talked over me, said that I wasnt worth losing her job over, she has kids she has to feed, and I could either take her word for it or it can just stay on my credit. She also claimed the phone call was being recorded, I find this very unprofessional they way she spoke to me and tried to belittle me. If she can agree verbally there is no reason she couldnt put the good will deletion in writing. I want this removed off my report asap and this company needs to be sued for the way they speak to clients.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

While looking at my credit reports, I noticed the following account had a discrepancy in the " payment history '' section of the auto loan from capital one auto financing Account ending in XXXX This charged off account is reporting payment history each month last a late payment, when it should not since the account has been charged off, This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and updated
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have communicated with all three credit companies about their inaccurate reporting information. Unfortunately, this erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. 
List of inaccurate information : Both XXXX XXXX and SNAP ON CRDT are inaccurate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. 


Both XXXX XXXX and SNAP ON CRDT are inaccurate and must be removed.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (AZ)

I am reaching out today due to either false reporting or a credit mixup/fraud. I was notified 14 days after the purchase of my new car that I had other auto loans in my name. This is not true as I only had the one car. I contacted XXXX XXXX and they disputed it. They took the car away despite this company proving it is not my account. I continue to investigate only to find multiple accounts and aliases no where close to my name. I contacted experian about this and instead disputing these accounts they stated it was somehow a mix up on their end. Ive had my credit tan only to have it reflect unfair reporting to no ones fault but experian. They can not give me my credit score back before I had to go to multiple dealerships to find out they were giving out false narratives. I want my rights respected just like they are stated in 15 usc 1681. Thank you.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX 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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-07
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. (NY)

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct or update the accounts below : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please Delete this inquiry XXXX XX/XX/year> done fraudulently and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in Advance for your Cooperation.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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 XXXX XXXX XXXX. 

XXXX  XXXX Bankruptcy XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX Card Services Account # XXXX, has violated my rights 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 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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. 

XXXX  XXXX Bankruptcy XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX Account # XXXX, has violated my rights XXXX Card Services Account # XXXX, has violated my rights 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 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.