davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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)

XXXX XXXX - sold my car for a low price to an outside party. I still had over {$3000.00} worth of electronics in that car. They were suppose to close this account due to over the top Maitenance visits because the car had so many issues. On top of that. Every time the car broke down, I had to get it towed and paid out of pocket. XXXX XXXX was suppose to reimburse me for those tolls and did not fully pay me back. I asked over and over for someone to give me a call because I am owed money for those tolls. 

XXXX XXXX- still billing me and harassing me with phone calls after my truck was involved in an accident. I was not in the vehicle when this happen. The insurance company XXXX declared the truck as a Total lost. Now I can not get my truck registered again because it is now a total loss vehicle. I asked them to close this account because they did not accept the offer from XXXX for me to receive a check for my damages. They did not want to sign over the title because of my account status. The truck is not drivable and is parked due to tail end hit, and gas tank leaking fluid.
Consumer complaint received 2024-02-22
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has closed my prepaid edd debit card, do to " suspicious activity '' on the card. I spoke with the fraud dept at the number on the back of my card, on XXXX XXXX @ XXXX, XXXX and XXXX secs, and again at XXXX XXXX for XXXX minutes and XXXX secs and was told that I have to go into a Bank of America branch office to verify my identity. On XX/XX/XXXX, I drove over XXXX miles to a Bank of America branch to verify my identity, and the bank refused to accept all the forms of identity I have in my possession! And will only accept a physical valid picture ID card, and refuses to accept the XXXX print out that has the exact same information on it as my expired XXXX. The XXXX has 60 days to send me my ID card and this is the only form of ID that Bank of America will accept to verify my identity so that I can access my prepaid debit card that has my edd/unemployment benefits on it. I can't survive XXXX week without access to my prepaid benefits, little own 60 days! I provided Bank of America a certified copy of my birth certificate, my social security card, my XXXX expired passport, my expired XX/XX/XXXX XXXX, the Bank prepaid debit card I've been using since XX/XX/XXXX, a print out from the XXXX, dated yesterday, showing my id card is in process and can take XXXX to receive and required my thumbprint to verify me in order to process, proof of my edd account info and Emails from XXXX regarding the " suspicious activities '' in question, and proof of online verification required to set up a unemployment claims account through XXXX. And the bank refuses to accept any of the information I have and refuses to ask me security questions, such as, the debit card passcode, or look at the emails regarding the purchases in question. The fraud dept requires a bank employee to answer 1 question in order to verify me and that is " do you have the information required to open a new bank account? '' And if the answer is " no '' they do not have what is necessary to open a new bank account, they won't verify who iam with all the proof and transaction history I have! And they will not accept anything other than the ID the XXXX has 60 days to process before I receive it, and will give my access to the government benefits on my prepaid debit card, which has and is causing me extreme financial hardship, as I have no means to survive without access to my money! I have XXXX fuel left in my car! My cellphone is going to get shut off in a few days if I can't pay for the services. This has caused me great and undo emotional anguish with no means of timely or adequate remedies or resources.
Consumer complaint received 2023-03-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-02
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2024-02-20
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This goes against the Consumer Protection Law states 15 U.S. Code 1692d - Harassment or abuse. It is XX/XX/2024 and this company is still emailing in regards to this debt. This debt has been charged off. 

This debt has been written off. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. An 1099-C has not been administered.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (OH)

Subject : Complaint Against Sunrise Credit Services for Erroneous Collection Report Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Sunrise Credit Services, a collection agency hired by XXXX XXXX XXXX, which has erroneously placed a collection entry on my credit report. This action has unjustly injured my credit standing, causing significant financial harm and stress. 
Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, Ohio, XXXX Email : XXXX Phone : XXXX Details of the Complaint : I had been an XXXX XXXX XXXX customer before switching my service to XXXX. Upon switching, I fulfilled all outstanding obligations with XXXX XXXX XXXX, including paying my final bill and returning all leased equipment. Despite this, Sunrise Credit Services, acting on behalf of XXXX XXXX XXXX, reported a collection account on my credit report. This report is inaccurate and misleading, as I have satisfied all my commitments with XXXX XXXX XXXX, as evidenced by my clear and timely communications with XXXX XXXX XXXX and XXXX  during the service transition. 
The wrongful collection entry has damaged my credit score and placed undue stress and limitations on my ability to access financial products and services. This erroneous reporting contradicts the Fair Credit Reporting Act 's ( FCRA ) principles, which aim to ensure accurate and fair credit reporting practices.

Request for Action : I respectfully request the Consumer Financial Protection Bureau to : Conduct a full investigation into the practices of Sunrise Credit Services, particularly regarding the erroneous collection report linked to my account with XXXX XXXX XXXX. 
Facilitate removing the inaccurate collection entry from my credit report to correct the record and alleviate the ongoing damage to my creditworthiness. 
I am prepared to provide further documentation and evidence to support my claim, including correspondence with XXXX XXXX XXXX and XXXX  verifying that my account was fully settled and all equipment was returned according to the service agreement terms. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. I look forward to a prompt resolution and restoring my credit reputation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (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. 

XXXX XXXX XXXX XXXX  XXXX has violated my rights. 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 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (PA)

The violations committed fall under various sections of the US Consumer Protection Law, and here is the detailed information regarding each infringement : 1. **False or Misleading Representations ( 15 U.S. Code 1692e ) : ** - Violation : Pressler , Felt & Warshaw , LLP falsely represented themselves as a debt collector in their communication on XX/XX/2023 and XX/XX/2023. This goes against Section ( 3 ) of 15 U.S. Code 1692e. 


2. **Communication in Connection with Debt Collection ( 15 U.S. Code 1692c ) : ** - Violation : Pressler , Felt & Warshaw , LLP communicated about collecting a debt by mail for the amount of {$2200.00}, violating Section ( a ) of 15 U.S. Code 1692c on the following dates : XX/XX/2023 and XX/XX/2023. 


3. **Permissible Purpose of Consumer Reports and False or Misleading Representations ( 15 U.S. Code 1681b, 15 U.S. Code 1692e ( 10 ), 15 U.S. Code 1692e ( 6 ) ) : ** - Violation : On XX/XX/2023, Pressler , Felt & Warshaw , LLP performed an unauthorized inquiry to the credit report provided by XXXX. This constitutes a violation of Sections ( 2 ) of 15 U.S. Code 1681b, ( 10 ) of 15 U.S. Code 1692e, and 15 U.S. Code 1692e ( 6 ).

4. ** Acquisition of Location Information ( 15 U.S. Code 1692B ( 2 ) ) : ** - Violation : Pressler , Felt & Warshaw , LLP communicated that the consumer owed a debt by mail for the amount of {$2200.00}, violating Section ( 2 ) of 15 U.S. Code 1692B on the following dates : XX/XX/2023 and XX/XX/2023.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

I received a letter from Jeferson Capital alleging that they are trying to collect a debt of {$610.00} owed by me. After doing my own research I could not find anything as to why I would owe the debt and as such I sent a request to Jefferson Capital asking that they verify the alleged debt and why they think I owed the debt. The letter delivered to the address noted on the initial email sent to me ( see attached docs ). They fail to respond or verify that this debt belongs to me. By law the debt collector must pause collecting the amount of the debt I am disputing until theyve adequately responded to my request. Which as of XX/XX/ has not been done.
Consumer complaint received 2023-03-01
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. (MD)

In accordance withe Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my accounts were properly investigation but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and date last reported is not accurate, balance owed inaccurate, account ratings are inaccurate, last payment date inaccurate, account statuses are inaccurate. This ground for removal they also violated my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : Its states a consumer reporting agency can not furnish an account without my written instructions Also, the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : Tracking number : XXXX Tracking number : XXXX Tracking number : XXXX
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

I have applied for state and federal government programs designed to provide relief, however, I can not have not been able to access this because of Carringtons refusal to cooperate with the guidelines. Last year they would not accept the written release to communicate with Homeowner Assistance Fund they referred me to because of the governments forcing them to disclose this assistance is available, yet they will not provide the program with the information to provide relief. 
On XX/XX/2023, XXXX XXXX, the case manager from the Homeowners Assistance Fund requested information from Carrington and was told they would send the information by the end of that week. This is 3 weeks ago. Furthermore, the information has been requested on numerous occasions and has not been sent. Carrington instead wants to force upon me a modification as my only option that not only will significantly increase my monthly payment, imposing a much higher interest rate as well as restarting the 30 years. 
Can you please help me get Carrington to provide the Homeowner Assistance Fund with the information needed to get up to date.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Happy Holidays ; Please remove this unknown collection account from all the major credit bureaus for failure to provide me the required documents as requested per the laws under FDCPA. A Months ago, I initiated a dispute with the MidlandMCM directly asking for all the documents and disclosure so I can validate the accuracy of this alleged debt, but they failed to provide me ALL the required documents. But after reading several cases online, where the company was sued for a similar situation, and specifically a case of " State of Texas vs. Midland Funding and their other entities and group '', where the plaintiff asked for documents and they failed to provide them. The AG outlined what the plaintiff was asking for and their nature of business. Please see detail below : 9.3 The electronic portfolios of these charged off accounts acquired by Defendants contain limited categories of information about the debt. Typically, Defendants do not acquire the underlying credit agreements, payment history, or statements ( or " media '' ) but retain the right to purchase the documentation from the original creditor at a later date. 9.4 Defendants ' collection activities prefer " efficiency '' and profits over compliance with Texas debt collection laws. Defendants chum out millions of collection letters and millions of telephone calls from its call centers in Arizona, Minnesota and XXXX, often using incomplete and/or inaccurate electronic information purchased from original creditors. Consumers complain Defendants have targeted the wrong person for collection or are attempting to collect debts that have been fully or partially paid or settled. Consumers also complain that Defendants pursue them for collection of old debts for which they do not have any records and are beyond the statute of limitations and credit reporting periods. Defendants ' form collection letters contain very little information about the debt, no supporting documentation, and no proof that ownership of the debt has been transferred to Defendants. When a citizen contacts Defendants to dispute a debt or the amount of the balance owed, or to ask for additional information, little or nothing is done to investigate or verify the legitimacy of the debt. 
9.5 Consumers complain that when they tell Defendants they do not owe the debt Defendants refuse to provide documentation to verify the debt and turn the tables on the consumer to prove the debt is not owed or not owed in the amount alleged. Consumers complain that this practice has resulted in loss of credit rating, inability to refinance their homes, and even loss of job opportunities, in addition to the aggravation of being harassed by a debt collector who refuses to verify the debt. Some consumers pay Defendants just to avoid a false report to the credit reporting agencies or avoid the harassment of a lawsuit. The XXXX XXXX XXXX reports that over 15,000 consumers have filed complaints regarding Defendants ' collection practices.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX XXXX XXXX account number XXXX Date opened XX/XX/2019. I did not open or authorize accounts, and they are the result of identity theft ot fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. All of these accounts must be removed from credit report.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2024-02-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (VA)

I keep paying Regional Finance the minimum due every 2 weeks as of XX/XX/2024 and they keep leaving me messages and harassing me cause they want bigger payments from me. They even went as far to call my husband which has nothing to do with my debts!!
Consumer complaint received 2023-03-07
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)

After reviewing my credit report i found out that i have a big dept from a student loan under my name which as given in XX/XX/2019 for a total amount of {$30000.00}. 

I am requesting for this information to be removed from my credit report as soon as possible because it is affecting me. I have never recieved a student loan. This is a result of identity theft and i need this to be taken of my credit. 

Please block and delete any information on my credit report, persuant to section 605B of the fair credit report act, and send the requiered notifications to all furnishers of this information.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (NY)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX account to XXXX XXXX at the instructions of the scammers.
Consumer complaint received 2024-03-20
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. (FL)

I am the living woman and beneficiary of this account and it has been brought to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any responses because of the automated system they have in place which in fact is a violation as well.

They have violated the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give them permissible purpose to identify these acccounts. These 3 credit reporting agencies have contractual violations, FCRA Violations, UDAP violations as well and I do intend to sue if these accounts are not deleted from my report.