davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (NM)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-07-22
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. (IN)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NM)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (GA)

XXXX going thru hardship financial I had lost my job due too false allegations felony charges in my name the interest rate is too much for me too pay my monthly bill on time
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diverse Funding Associates LLC (MO)

Starting on XX/XX/19 calls places to three different phone numbers with a message about being severed documents. Upon contacting company was told a server would be out at noon. Company proceeded to contact more numbers in regards to the issues. Company threatened that much legal trouble would result by not paying them. Tried calling again each representative use the same bully agrresive tactics. Lie and say no one has called and they havent talked to know one. Ask company info they say XXXX XXXX based out of California. Had to call original credit card company to get truthful information.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

I found a collection on my credit reports from this company for a cell phone bill. I knew nothing about it before. Since it was identity theft ( I not only filed a police report, I found the person responsible and gave her name to the Sheriff 's Department - with pictures and proof ), I contacted the credit reporting agencies to inform them. Per the law, they are required to contact me before placing anything negative on my credit. They did not do so. They put negative information on my credit reports, causing my score to go down. When I contacted them, I was told that they used the information given to them by XXXX, which was incorrect and did not pursue anything further on their own. They are also required by law to report only true information. Since they used an incorrect address ( it was an intersection ) I never received notice that there was a collection. This went on even after they received the letter they claim they sent back since it was not a deliverable address, so they reported information they knew not to be true. I have lived at the same address for 7 years and had they looked for my proper information after receiving the mail back, I could have informed them of the identity theft. They have violated numerous laws and refuse to take responsibility for it. 

I filed a small claims case and their attorney all but ignored me, only to bump it up to District court. He also did not fulfill the mandated meet and confer requirements before filing a motion, but I will report that to the California bar and the presiding judge.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Prime Choice Funding Inc. (CA)

I received a Prescreened offer of credit dated XX/XX/2020 from PrimeChoice Funding ( NMLS # XXXX ) stating I had been pre-approved for a new mortgage in the amount of {>= $1,000,000}. When I spoke with the representative XXXX XXXX ( ID XXXX ) on XX/XX/2020, she stated that they no longer offered a jumbo loan program. This offer was deceptive, as the firm advertised a program they do not offer, enticing me to divulge my non-public personal information ( NPI ) without offering a bona fide product or service.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have sent letters to XXXX XXXX, and Experian asking them to remove the account XXXX XXXX Account # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. XXXX XXXX, and Experian have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Their failure to positively verify the account XXXX XXXX Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (GA)

I leased an auto with u s auto sales. And I was not behind on payment. In XX/XX/XXXX my car was repossessed by west lake management group now they are trying to get me to give them XXXX for a car that that repossessed but us auto sales apparently went out of business and did not inform customers. And shared no payment information. I wake up and car was gone out of my driveway now they are harassing me by email and mail coming to my home demanding payment but they have the car. I just want them to do what they choose with a XXXXXXXX XXXX XXXX and we call it even. But they have added bad debit to my credit and I never even had any arrangements with them. And had no idea they are taking over in house financing that us auto sales gave their customers. It was totally unfair. And we as the customers should have been offered an apology for the harsh way they have treated us because we were unknowingly put in this position.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Received a prepaid card for prepaid amount from Bank of America on behalf of XXXX XXXX XXXX XXXX. I called around XXXX or XXXX trying to use the card. Was not allowed to set up a PIN due to zip code mismatch. I talked for over an hour and was told zip was corrected. After the call, I tried to establish a PIN but was informed that zip code was again invalid. Called again and spent over 2 or 3 hours fixing the issue with at least 5 different people. Escalating this few times. Finally I was able to fix the zip code and to establish PIN that did not work. Over 4 hours spent, escalating this issue multiple times. I believe BOA is doing this intentionally to keep money or at minimum discourage owners of the prepaid card to go throughout 5 hours of phone calls. Time spent on this simply does not translate to any minimum hourly wage. Please issue check to my current address for full amount plus compensating me for time lost on this unprofessional service!
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I contacted the company ( Portfolio Recovery ) in attempt to have this removed from my credit. I informed this company that they were reporting illegally due to not being able to verifying that the debt they are reporting is mine and providing no proof that I owe this debt to them. Theres no written contract provided or any legally binding documents proving that I owe this company any money. 

This company only sent me credit card statement which doesnt prove that I owe this debt to them.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

In XXXX, I sent letters to the three credit bureaus concerning incorrect addresses reporting to my credit report. The address since, has not been removed. Having such addresses report on my consumer report, and I do not live or have any affiliation with the listed addresses.
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK (FL)

The card DISCOVER BANK filed a claim on me inXXXX,. I went to court it was discharged because. I didnot have income. On XX/XX/11 XXXX. Discover card filed a claim again this debt i XXXX XXXX XXXX. The letter states CONTINUING WRIT OF GANSHMENT AGAINST SALARY OR WAGES The case Company # is XXXX XXXX XXXX XXXX. XXXX/ Ky Toll # is XXXX XXXX. I stared receiving robot calls from # in that area in XXXX every day. XXXX
Consumer complaint received 2018-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (SC)

About a week ago I opened an account online with SunTrust. I was approved and given my checking account number and savings number and told to make a deposit. I made a deposit with the intention on paying some bills and the branch employee took my cash and there was no issue. Yesterday I go to withdraw {$50.00} and right in branch I was told my account was closed and they didn't have to give a reason. My auto pay was set up for that account and as a result I occured returned check fees because I was never told how or why they closed the account and if there was a problem why approve it in the first place. This account messed up my bills and caused me a lot of late fees and check return fee because it was closed without my knowledge. This account even appeared on my credit report as a NEW OPENED ACCOUNT. But SunTrust wasn't the company I was told about. They did not take care of me and I will be telling everyone on my blog and my website and everyone business owner in my XXXX XXXX XXXX not to bank with this company!
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I had two collection accounts with XXXX for old rental landlord debt. I did a settlement with this company on both debts back about a year ago. Part of the settlement which they received in lump sum was after payment they agreed to pay to delete from my credit report. 

I did my part per terms and they haven't deleted both line items. Instead they are listed on my credit report as closed. They violated the agreement that I have in writing. 

I am writing to the CFPB to get this dispute in front of them so they can take action and delete from my credit reports. Failure to do so will result in further action per CFPB guidelines. 

I paid you guys so please follow through with the promise I received verbally and in writing
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

In XXXX, I sent letters to the three credit bureaus concerning incorrect addresses reporting to my credit report. The address since, has not been removed. Having such addresses report on my consumer report, and I do not live or have any affiliation with the listed addresses.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

My wife and I sent a letter to Equifax on XX/XX/XXXX, requesting investigations. I am attaching a copy of the letter we sent. They were supposed to respond by XX/XX/XXXX, but its now XX/XX/XXXX, and they have not.
Consumer complaint received 2018-05-08
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: NAVY FEDERAL CREDIT UNION (TX)

My credit score has tanked since banking with this Bank. I started the administrator process to valid the alleged debt that I supposedly owe to this Bank. Theirs response had been flooded by generic letters without providing the original contract bearing my wet ink signature ( promissory note ). According to the Fair Debt Collection Practice Act ( FDCPA ), I have the right to validate any debt I owe. This Bank had since left tons of calls, voicemails and letters trying to correspond with me and ruined my credit score with late payments and delinquent accounts. This Bank have committed fraud for reporting unvalidated information to the 3 major credit bureaus. Im not hesitant to bring a suit against this Bank for violating Fair Debt Collection Practice Act ( FDCPA ), Tax fraud and defamation of Character! These banks must remember that WITHOUT the consumers, theres no business! Ask yourself : Whats a Debt? Legal tender was no longer required for payment of debt on XX/XX/1977! 
According Social Security Number, Im classified as a minor. A minor can not be a party to a contract ( HJR 192 )!

Banks can not loan money. They are in business to buying securities. The consumers signature CREATES the security! And since this Bank have submitted my account ( s ) to collections, they have committed a felony for unlawful use of my Social Security Number. This is grounds for identity theft and distortion. BY LAW, all 3 major credit bureaus must remove these accounts from my credit report. *BOOM* ( Ending Note ) The consumers are the original creditors but was misled by these greedy banks into thinking were the debtor!
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (ID)

This account entirely is credit card fraud these transaction were not done by me.. I ONLY MADE XXXX PURCHASE OFF OF XXXX XX/XX/XXXX for XXXX they kept letting charges go through and have a recorded conversation that is not myself giving my credit card information out to make a purchase where I never was at in the first place.. Ive sent XXXX document and a police report which they have NEVER contacted the sheriffs office about now they want me to pay over XXXX for a vacuum I purchased .. not paying this amount until this gets handled the right way
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cottonwood Financial Ltd. (TX)

I have a loan showing open XX/XX/XXXX with the Cash Store, which I did not open any loans with anyone in XXXX. When I contacted the cash store on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted XXXX and XXXX they said they did not have a file for me and to contact Debt Management. I spoke with Debt management and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LL stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX XXXX claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2022 my Apple Card was charge {$620.00}, the merchant who charged me was XXXX, I tried contacting XXXX with no success then I proceeded to contact Apple Card Goldman Sachs and dispute the amount since I think I got my identity and/or my credit card stolen. I told the bank the problem then the dispute transaction was initiated, the dispute was resolved in my favor then I tried again and I told them all the details again and since then I have constantly dispute the charge and still have not resolved in my favor is been almost XXXX years disputing the charge.