davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

As a conscientious consumer, I take my financial obligations seriously and believe in the importance of responsible debt management. I have been contacted by Resurgent Debt Collectors regarding five separate accounts, all of which they claim I owe. However, despite multiple requests for validation and proof of these debts, Resurgent Debt XXXXollectors have yet to provide any satisfactory documentation to verify the validity and accuracy of these claims. 

I would like to emphasize that I am fully committed to resolving any legitimate debts that I may owe. However, I believe it is my right as a consumer to request and receive proper documentation and verification of these debts before proceeding with any further actions. My attempts to obtain this information directly from Resurgent Debt Collectors have been unsuccessful, and I believe their lack of response raises serious concerns about the accuracy and legality of their collection efforts. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Resurgent Debt Collectors provide the necessary proof of debt for each of the five accounts in question. I believe that a thorough examination of this issue will not only protect my rights as a consumer but also uphold the principles of transparency and fairness in the debt collection process. 

Enclosed with this letter, you will find copies of my written requests to Resurgent Debt Collectors for validation of the debts, as well as any correspondence I have received from them. I am committed to cooperating fully with any investigation or inquiry that the Consumer Financial Protection Bureau may undertake to resolve this matter.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I got an email from paypal i can no longer used their service for no reason. I know this is a mistake they always hold also my money everytime i received from my clients. They are not doing their job very well with their customer. They wanted me to wait for 180 days and give instruction how to get my remaining balance. That's not fair. They need to improved their system. My email link to paypal is XXXX XXXX
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am writing this letter to bring a serious issue to your attention regarding the non-reporting of my paid-off loan by the credit bureaus. 

I had a loan from HSBC, which I have completely paid off as of XX/XX/year> in the amount of {$48000.00}. However, despite making several requests, my credit report does not reflect this crucial information. This non-reporting is adversely affecting my credit score and thereby my capacity to secure future credit.

Under the United States Code Title 15, Section 1681s-2 ( a ) ( 5 ) ( A ), it is stated that a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days ( certified mail tracking number in attachment ) after furnishing the information, notify the agency of the date of delinquency on the account. This implies that it is the duty of the HSBC to inform the credit bureaus about the status of my loan and it is the responsibility of the credit bureaus to update this information promptly and accurately. 

Unfortunately, this has not been the case with my situation. Despite having fulfilled all my financial obligations, the credit bureaus have failed to accurately report this, thus infringing upon my consumer rights as per the Fair Credit Reporting Act ( FCRA ). 

I kindly request the CFPB to intervene in this matter and ensure that the credit bureaus rectify this error promptly. I am attaching copies of the loan settlement documents as evidence of my claim. 

I trust that you will address this issue expeditiously and ensure my rights as a consumer are upheld.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. Before starting, I would like to thank you for helping me. I opened business account with Bank Of America. The name of the business is XXXX XXXX. However, after 3 days it was opened, the bank closed the account. They never answered me back so I could know why they closed it. However, the issue is that they required me to deposit XXXX $ when opening the card, and I did so. After they closed down the account, I called them several times to understand how could I get my money back from the account. Neither time they knew what was going to happen. Let me also mention that the company is based in WA but the mailing adress is in CA address. I even received my debit cards to my CA address, but I could not withdraw any money from it because the account was already closed when I received the card. Today I went to BOFA branch asking them to give my money back, however, they stated that I had to call BOFA for that and provided the number XXXX. I called them, spoke for 1 hour, asked them where is the money, they told me that they mailed it to WA address. I told them that they were not supposed to do so because my mailing address was in CA and I need that money ASAP. They told me that they can not do anything about it and that I have to wait 120 days for them to reissue the check. They told me they are not going to void it. It is only their fault. Why would they send my debit card to the correct address, but send the check to a different one? I begged them to reissue it as I need that money desperatelly, they said nothing could be done. I even made a complaint against them and the complaint # is XXXX.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (CA)

The credit bureaus investigation did not fix an error on my report This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} , and Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Consumer complaint received 2023-03-16
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
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: EQUIFAX, INC. (MO)

I contacted the Credit Reporting Agencies after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINTS and hoping that the following accounts will be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (TX)

I have received dozens of phone calls in the past year, and an email today ( XX/XX/year> ) from Halstead Financial stating that I am in collections for debt. I have confirmed that I am not in collections and that the account information is not related to any accounts in my financial history. I have called the company twice and have confirmed that they do not have the correct person. Halstead Financial provided the DOB, last four numbers of the social, and a home address and asked me to confirm if that is my identification information. I have told them twice that the information they have provided does not match me and have requested that they stop contacting me. Halstead Financial representatives have said that they will remove my contact information. I am still receiving phone calls and email communications from the company regarding debt that does not belong to me.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a critical issue I have been experiencing with unauthorized hard inquiries on my Equifax credit report. These inquiries have adversely affected my credit score and overall financial well-being. Despite multiple attempts to resolve this matter with Equifax, I have not received a satisfactory resolution, and the inquiries remain on my credit report. 

I have outlined the unauthorized inquiries and accounts in question below : Inquiry Date : XX/XX/XXXX Creditor Name : CBNA Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : Cap XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : CBNA Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : Factual Data Creditor Name : XXXX  XXXX XXXX Account # [ Account Number ] - This is not my account, and I am not responsible for it Creditor Name : XXXX  XXXX [ Account Number ] - This is a business account, and I am not responsible for it. 
I have previously lodged disputes with Equifax concerning these inquiries and have also filed several complaints with the CFPB. However, after an investigation, Equifax has repeatedly refused to remove these inquiries from my credit file. I am now formally requesting assistance in obtaining the original documentation from the respective creditors that demonstrates my explicit authorization for them to access my credit file. 

I firmly believe that it is my right to verify the legitimacy of these inquiries, and Equifax has failed to provide me with this crucial proof of authorization. Without such documentation, I insist that these inquiries be promptly removed from my credit report, which Equifax has failed to do.

I have formally requested that Equifax provide the following information to support my request, which they have not complied with : 1. Copies of any documents, agreements, or applications that demonstrate my authorization for the above-mentioned inquiries.

2. A detailed explanation of the investigation process conducted by Equifax, including any communication with the respective creditors.

3. A clear and comprehensive response to this dispute within 30 days of receiving this letter, as mandated by the Fair Credit Reporting Act ( FCRA ).

I kindly request that this matter be resolved expeditiously, and I ask that you notify me in writing of any actions taken. I understand that, in accordance with the FCRA, you have 30 days from the receipt of this letter to investigate and respond to this dispute.

You may reach me at XXXX or via email at XXXX to provide updates or request additional information if necessary. 

I anticipate a swift and satisfactory resolution to this dispute. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Newman, Hesse & Associates, P. A. (CA)

Company is trying to collect 10x the amount owed on a 30 year old debt that I know nothing about. When I got a letter threatening to garnish my wages, I thought it was fraud because I have not shopped at the store it was for in more than 30 years. Then, they garnished my wages without any other attempt to contact me or prove that I owe such a debt. This is very embarrassing trying to explain it to my employer and I feel harassed byt this law firm.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is a follows Name : This is my legal name : XXXX XXXX XXXX Please delete other references names as they are not mine and I have never used any of them Address : please be sure that address is listed correctly. My address should be read : XXXX XXXX XXXX, XXXX PA XXXX Employer- N/A Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my identification card, for your verification.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (TX)

I'm deeply dismayed by the ongoing nightmare I've endured with my XXXX Honda XXXX XXXX Hybrid, purchased from Honda of XXXX on XX/XX/XXXX. I expected nothing short of perfection upon acquiring my first Honda vehicle, eagerly anticipating the modern marvel of in-car Wi-Fi. However, to my dismay, I've been ensnared in a baffling web of incompetence and indifference. 

Since the date of purchase, I've been subjected to a relentless cycle of finger-pointing between Honda and XXXX XXXX XXXX  each blaming the other for the failure of the Wi-Fi service to function. Despite my best efforts to seek resolution, I've been met with a barrage of excuses, delays, and outright rudeness. 

On XX/XX/XXXX, I dutifully submitted a ticket to address the issue, only to receive radio silence in response. Follow-up attempts on XX/XX/XXXX and XX/XX/XXXX yielded nothing but frustration and wasted time. During a grueling five-hour ordeal at Honda of XXXX on XX/XX/XXXX, I discovered that XXXX XXXX XXXX  had the wrong VIN number associated with my vehicle. Yet, even with this critical information in hand, the impasse continued. 
The nadir of my experience came during a call on XX/XX/XXXX, with a Honda representative assigned to my case ( number XXXX ), whose demeanor was as callous as it was unhelpful. This individual not only displayed flagrant disregard for my concerns but exhibited a level of rudeness and dismissiveness that left me speechless. 

Despite my pleas for assistance and escalation, I was met with a cold indifference, with the representative refusing to take any meaningful action to address the situation. She adamantly refused to escalate the matter or provide any additional assistance, callously asserting that she was under no obligation to do so. 

As if the lack of resolution weren't distressing enough, the utter lack of accountability and professionalism demonstrated by this representative has left me feeling utterly abandoned and disheartened. The prospect of being without essential Wi-Fi services for over five months, coupled with the abysmal communication and abhorrent treatment I've endured, is simply intolerable. 

In light of these egregious failures, I have no choice but to explore other avenues for recourse, including lodging a complaint with the CFPB and invoking lemon law protections. I can only hope that the company takes swift and decisive action to rectify this situation and restore some semblance of faith in their brand. 

This ordeal has taken an immense toll on me, both emotionally and practically, and I implore Honda to take my grievances seriously and provide the redress I so desperately seek.

Please note that I have several copies of emails that were never responded to along with several legally obtain recordings of the phone calls. I am a resident of a one consent state.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, 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. (FL)

i have 5 inquiries on my credit report. I only recognize one of them and thats XXXX XXXX. as you can see from my credit report i have a XXXX  XXXX credit card. please remove these other inquiries asap. please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.