davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
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. (IL)

On XX/XX/XXXX I requested what method of verification of they used to verify the bankruptcy that is being reported on my credit report. On XX/XX/XXXX I received a letter from TransUnion stating that they verified the bankruptcy through XXXX XXXX XXXX Illinois. I reached out to XXXX XXXX via mail and they returned a letter on XX/XX/XXXX stating that they do not verify or communicate with third parties or credit bureaus. 

On XX/XX/XXXX I mailed letters to TransUnion requesting the removal of the bankruptcy # XXXX that is reporting on my credit report. I sent them the original letter from XX/XX/XXXX, TransUnion investigation results letter from XX/XX/XXXX, and a letter from the XXXX XXXX stating that they do not verify or communication with third parties or credit bureaus. 

On XX/XX/XXXX, I sent in a second set of all the letters listed above via mail. Both mail attempts were sent certified and signed for by someone at TransUnion. 

As of XX/XX/XXXX, I have yet to receive anything back from TransUnion in regards to this investigation.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

The Original Account belongs to XXXX & XXXX I never used the service. they started billing me even i refused to start the service. i returned the phones because the company XXXX XXXX XXXX mailed me after misrepresentation. It was afraid from the company representative who met me in XXXXXXXX XXXX XXXX XXXXXXXX XXXX  The phone 2 in quantity never opened or used. those were returned and accepted by the company. I call the customer service XXXX i was told you wont be paying anything. They took another {$82.00} which is still not returned. they send me notice for paying {$280.00}. I never owe the amount i never used the service, i returned the phones because XXXX rep tried to sell me with misrepresentation. Now they send my account to collection agency who calls me and threats me. i have excellent credit. XXXX has damaged my credit and reputation. please take action against the XXXX and Collection agency Thanks XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (GA)

Equifax violated XXXX of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Equifax also violated the following federally protected rights and I sent Equifax an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations. 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 ) I requested a block pursuant to 15 USC 1681c-2 on XX/XX/2021 and Equifax has willfully violated my Federally protected rights and is Liable to me the sum of {$10000.00} for defamation of character and {$5000.00} anxiety caused as a result of the willful and negligent noncompliance of Equifax under the FCRA.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America recently notified me that my account may have been comprised and they issued me a replacement credit card with new numbers in order to prevent fraud. I contact them for more details. They explained that an unidentified merchant notified an unidentified law enforcement agency that customer credit card data was not properly secured and may have leaked or been breached. That law enforcement agency contacted Bank of America who then issued me a new card. 

Bank of America does not have the identify of the merchant. However they declined to give me the name of the Law Enforcement Agency which contact me. They also declined to provide a reason for why they declined to give me the name of the Law Enforcement agency. 

I wish to protect myself and understand my privacy exposure. If I knew the merchant who mishandled my data I may choose to no longer do business with them. Or I may decide to file a civil action against them. If I know the law enforcement agency that handled this then I can request this information from them. 

At the moment Bank of America is hiding behind internal policy to shield bad acting merchants from mishandling my data.
Consumer complaint received 2021-09-30
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. (NY)

XXXX sold my private information to three credit reporting agencies without my written and/or verbal consent which violates my right to privacy as a federally protected consumer. I have taken action to get the information removed/deleted from one credit reporting agency , which is Equifax. This violation has hindered my credit scores for years in a negative manner.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

Dear Collector, PARAGON REVENUE GROUP XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe.

Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account.

I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.

You can not add interest or fees except those allowed by the original contract or state law.

Any attempt to collect this debt without validating it violates the FDCPA.

Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX.

I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (TX)

I been notified from the credit bureau that a negative collection was place on my report l was never noticed by the collection agency about a attempt that was placed with them this collection have no right to placed a collection on me l dont even what company that the agency is trying to collection but this collection do have a right to destroy and add a negative on my credit report and l havent been notified of anything please remove l own this collection agency nothing
Consumer complaint received 2021-09-30
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. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there was an unauthorized inquiry on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
The fraudulent credit inquiries were made by the following companies : Inquiry : 1. XXXX XXXX  XXXX on XX/XX/XXXX 2. XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 6. XXXX/XXXX  on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2019-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MD)

Chase sent me promotional stuff and I followed opened checking and saving account. I transferred funds to both account as Chase instructed. 

after follow all the instruction, went to branch to verified identity But they closed my both accounts which have funds in it without any notice or a call. They told me they can close any account at any time in fine prints ( what kind of policy is this, there is no consumer protection at all ). 

They closed both my saving and checking and removed from my online dashboard so I can't access any of information and My FUND is GONE, DID NOT GET ANY MONEY BACK YET. It is more than $ 16k, now don't know where it is. CHASE JUST TOOK MY MONEY!
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX I requested what method of verification of they used to verify the bankruptcy that is being reported on my credit report. On XX/XX/XXXX I received a letter from Equifax stating that they verified the bankruptcy through XXXX XXXX. I reached out to XXXX XXXX and put in a request for an investigation into where they got the bankruptcy listed. After XXXX XXXX completed their investigation on XX/XX/XXXX I received a letter stating they removed the bankruptcy from their records and from my XXXX XXXX Report. 

On XX/XX/XXXX I mailed letters to Equifax requesting the removal of the bankruptcy # XXXX that is reporting on my credit report. I sent them the original letter from XX/XX/XXXX, Equifax investigation results letter from XX/XX/XXXX, the letter from XXXX XXXX dated XX/XX/XXXX, and a letter from the XXXX XXXX stating that they do not verify or communication with third parties or credit bureaus. 

On XX/XX/XXXX I called XXXX to follow up with my documents and was told that they did not see any documents from me and was advised to resend them online to myequifax.com which I did. Online confirmation number for this submission is # XXXX and # XXXX. I also sent in a second set of all the letters listed above via mail. Both mail attempts were sent certified and signed for by someone at Equifax. 

On XX/XX/XXXX I called XXXX at XXXX to follow up and spoke to XXXX XXXX She stated that she did see the documents that I submitted online and that I needed to give them the remaining days of the 30 days to review. Once reviewed they will remove the bankruptcy and update my credit report. Confirmation number XXXX As of XX/XX/XXXX, I have yet to receive anything back from Equifax in regards to this investigation. Even with several calls after XX/XX/XXXX
Consumer complaint received 2021-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (GA)

My sister died of XXXX XXXX fell on hardship paid the company back was only two months behind they used collection tactual adding high fees and put in court as I found out from a phone call only after they had already taken my money to catch up on the debt. Then I was told by XXXX that besides those payments should never have been accepted and they want the entire monies and court will continue. Her name is XXXX phone number is XXXX ext XXXX She also inform me that nothing would stop even after I had gotten the payment caught up. She continue to enforce courts by saying the represented that took my payment over XXXX had told me I could continue my normal payments no one ever told me I was getting sued instead they took my money and said payments could continue XXXX XXXX said they was wrong and should never have taken my money and applied it. The unexpected cost of keeping my sister child and taking over her expenses made me behind I caught back up company took payment, then I was told by the rep that they was wrong for taking payment and they will continue harsh collections on the balance. She has cost me my job.
Consumer complaint received 2024-04-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with your company, as well as to request validation of said debt in accordance with the provisions outlined in the Fair Debt Collection Practices Act ( 15 USC 1692 ), the Consumer Financial Protection Bureau ( CFPB ) regulations ( 12 CFR 1006 ), and the Fair Credit Reporting Act ( 15 USC 1681 ) .

In accordance with 15 USC 1692c ( c ), I am hereby requesting that all communications regarding this alleged debt cease immediately. Furthermore, I am invoking my rights under 12 CFR 1006 .34 ( b ) ( 5 ) to revoke any consent previously given for communication via email, text, or phone calls. Therefore, any further communication from your company should be directed solely through written correspondence to the address provided above. 

Per 12 CFR 1006 .34 ( c ) ( 4 ) ( i ), I am disputing the validity of owing any and all debts to Southwest Credit Systems. As such, I request that you provide verification of the debt, including but not limited to : The original creditor 's name and contact information. 
Documentation proving that Southwest Credit Systems has the legal authority to collect this alleged debt. 
A complete accounting of the alleged debt, including the original amount, any interest or fees added, and a breakdown of any payments made. 
Any agreements or contracts bearing my signature or other evidence proving my obligation to pay this alleged debt. 
Additionally, pursuant to 12 CFR 1006 .34 ( d ), I am formally requesting a copy of the purchase agreement between Southwest Credit Systems and the original creditor pertaining to the alleged debt. 

Finally, I am also requesting that you furnish proof of your company 's licensing and bonding, as required by law ( 15 USC 1681 - S 2 ( 7 ) ( A ) ). 

Please note that until the requested information is provided and the debt is validated in accordance with the above laws and regulations, any attempt to collect this alleged debt or report it to any credit bureau will be considered a violation of my rights. 

Thank you for your prompt attention to this matter. I expect a response within 30 days of receipt of this letter, as required by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (ID)

I was collecting unemployment from Idaho, using a US Bank Reliacard. Between XX/XX/XXXX & XX/XX/2021 my account was hacked & several illegal withdraws were made via card to bank transfer. I have the account info showing the dates & name of person whom did this fraudulent unauthorized activity. 
I notified US Bank, via a phone call & fax, the day I found out my money was missing ( {$8300.00} ) which was XX/XX/2021. They said my account PIN was changed & the money removed via a transfer. I did not change my PIN, or ever use a direct bank transfer. I went back & forth with them several times on the customer service phone line. On several occasions I was on hold for over an hour when the phone mysteriously cut me off & returned to a dial tone. 
I have records of my account information, my faxes to them & their statement of resolution ( XX/XX/2021 ) which says US Bank is not responsible for this & no money will be returned to my account. 
I feel that US Bank is responsible for security of my Reliacard, and should not let PIN # 's be changed over the phone w/o a security check being done on the caller. 
Please let me know what you need me to do next. 
Sincerely,
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CO)

On XX/XX/XXXX I called Mr. Cooper and talked to an agent about possibly refinancing our mortgage. That same day a few hours after our conversation, another mortgage originator named XXXX XXXX ( NMLS # XXXX ) called my husband and asked him about our interest in refinancing. 
My husband did not agree to doing a hard pull on our credit during their conversation. The next day XXXX informs me that I have a new inquiry ( both soft and hard ) on my credit and confirmed that it was from Mr. Cooper. I called the company and they gave me a number of XXXX manager XXXX who never once returned my call. 
I talked to another mortgage professional with Mr. Cooper and he says he couldnt even trace the guy in their system. 
This XXXX XXXX completed an application and locked in a rate for us without our consent at all. And now the mortgage originator I am working with cant do anything because of what this guy did. 
Running a hard credit check without our consents is illegal. I would like to do something about this.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (CA)

This is XXXX XXXX and I am submitting this complaint to follow up the most recent CFPB complaint I previously submitted dated XX/XX/2022. I also sent dispute letters addressed to the Credit Bureuas last XX/XX/2022 with complete attachments pf my presonal information such s my driver 's license, and my SSN, I also attached the ID THEFT REPORT I received from the FTC. I have read that the Credit Reporting Bureaus are required to remove any account and information that resulted due to idetity theft within 4 business days. Under the FCRA section 605b, I need the following items deleted as soon as possible. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. Once again, I need the following items deleted as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXG XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

Hi my name is XXXX I'm a XXXX XXXX person that has struggled to keep up with payments of all sort I have a vehicle loan through ally auto for my van that I had purchased in XX/XX/2015 from that date till now I have never missed a payment for that vehicle even with my XX/XX/XXXX right now struggling to keep up I'm almost a month behind but I always make my payments before the 30day late period because of how much money comes in .my payments are do on the XXXX of the month so in XX/XX/XXXX I deposited some money from a customer and it was available on Saturday so I made my payment on Saturday the XXXX but today I received a 30 day late from XXXX and I'm not happy I've been struggling to keep my family happy during this time and to see this it hurts specially for people that are on parcel unemployment like I am I would like this to be removed if possible I so it doesn't hurt me just incase I need to use my credit for something else.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15USC 1681 ( 6 0 4 a section 2. ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a credit may not treat a late payment on credit card card on an open and consumer credit plan as late for any purpose
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

On XX/XX/2021 I noticed three pending transactions on my debit card which were made in the state of Washington ( I am in California ). I immediately phoned U.S. Bank Fraud Dept. and reported the charges. The representative confirmed that a recently issued Debit card had been used without a PIN. I was told that the card would be immediately canceled and provisional credits would be issued for the unauthorized charges. The credits appeared within 24 hours but then disappeared the following day and the pending charges were deducted from my account. I have made several calls as to why the pending charges were allowed to post and the credits removed. No response and no accountability. I am a working person who must meet a rent obligation on XX/XX/XXXX. I have been Banking with US Bank for 8 years and am shocked at the complete disregard for Customers.