davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
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)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear XXXX : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX  XXXX Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of  the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

SCIL , Inc CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX. XXXX, KS XXXX XXXX To : The XXXX XXXX XXXX XXXX forSCIL, Inc From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority torepresentthat you andSCIL, Inc.areauthorized to administrate ( acting trustee ) on theXXXX XXXX XXXX, together with a certified copies of signatures contract betweenyou andXXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passingXXXX XXXXXXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon theXXXX XXXX XXXX, Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806.Harassment and abuse 807.False or misleading representations 808.Unfair practices 809.Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages.Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (NJ)

On XX/XX/XXXX, I purchased my lease on my XXXX XXXX from XXXX in XXXX, NJ. On XX/XX/XXXX without any prior warning the transmission went on the car while driving it almost causing us to get into two different accidents. The car had XXXX miles at the time. I called XXXX to get the car fixed they refused and advised it would cost me {$5500.00} and stated the car no longer had a warranty, called Ford Motor Company was told I no longer had a warranty, called various transmission companies to get quotes they were ranging between {$3300.00} and {$5500.00}, there was no way we could afford it and my brother XXXX who is a mechanic advised it was a known problem with the car and even after being fixed would continue to have issues. Did lots of research and found this car was notorious for transmission issues, yet XXXX did not recall any of these car and in the case of the XXXX XXXX preferred to pay out settlements instead of recalling. I worked in good faith to try to get them to fix the car, but to no avail, finally I voluntarily relinquished the car to XXXX XXXX. Especially after the manager at XXXX told me I had to buy the car due to the miles on it. There assumption is that I was XXXX XXXX and the reality is I was helping my nephew who has XXXX XXXX and my son who has XXXX and both require weekly treatments in XXXX. They also said that XXXX miles was a lot of miles, really for a car XXXX XXXX XXXX, who are they kidding I had numerous cars with XXXX, my XXXX XXXX has about that now. I had it with excuses and bogus reasoning not to do the right thing and I was paying the car note and insurance to have a car sit in the driveway for 4 months.
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NC)

XXXX XXXX Account # : XXXX. 

Mailed XXXX XXXX their equipment on XX/XX/2019. USPS tracking # XXXX XXXX XXXX XXXX XXXX. 

Item marked, " Delivered to return agent. '' as of XX/XX/2019 XXXX NC. 

XXXX XXXX has filed a negative/deragatory " mark '' on my credit report as delinquent/unpaid debt for equipment that was returned months ago.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MO)

This debt was turned over a couple years ago to a debt collection agency. I agreed that I owed a portion of the debt, but disputed the remainder of the debt. The portion that I owed, I paid to that collection agency. I filed a formal dispute on the remainder of the debt, and within 30 days I was contacted saying they were closing their file. 

Approximately 7 months ago, I was contacted by another debt collection agency for the same debt. I disputed the debt with them, explained the previous situation, and they encouraged me to contact XXXX directly to resolve the issue. I contacted XXXX directly and they refused to do anything to clear the debt. At both times I was contacted, the alleged debt included an equipment cost for equipment that they alleged we didn't return. When I contacted XXXX, they acknowledged that we had returned all equipment. 

On XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX, another debt collection agency for this same alleged debt. This letter also mentions an equipment cost, I'm assuming for the equipment that XXXX already acknowledged that I returned. I am disputing this debt with XXXX XXXX directly, but this continuous contact for a debt I've already disputed twice is, in my opinion, beginning to border on harassment. I have taken all the necessary steps I needed to take to resolve this issue, and XXXX seems to just transfer the debt to another agency to try to collect.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have opened an XXXX account ( XXXX XXXX XXXX ) in Bank of America in the late XX/XX/2022, for the opening account bonus ( XXXX dollars deposit for the XXXX dollars incentive with 90 days maintenance ). To meet the requirements, I used ACH transfer to deposit XXXX dollars. I did not receive the bonus after that long period ( from XXXX to late XXXX ) and I called the stuff for my case. Then they told me that my transfer is not a kind of deposit ( where they think I need to deposit money to the account from ATM ), so I do not meet the requirements at all. I did not receive any notification for it during such long time. I checked the offer carefully, and it only showed " deposit a new money ''. From the definition of deposit : " One kind of deposit involves a transfer of funds to another party for safekeeping. Using this definition, deposit refers to the money an investor transfers into a savings or checking account held at a bank or credit union '', I do believe my ACH transfer belongs to a deposit and meets the " deposit '' requirement. But BOFA stuffs refused to pay me the incentive and told me it is just because the ACH transfer is not a deposit. I think it is too mean for the explanation after I put such amount of money in their bank for a long time. Nowadays, many people have money in different accounts/banks, so it is normal for people to move money from different places with ACH transfer as a deposit method to meet some opening account requirements ( like XXXX bank XXXX XXXX, they account ACH transfer is a kind of deposit when I finish the similar deposit offers ). 
I have never seen such harsh conditions. Please help me for this case. Thanks
Consumer complaint received 2022-02-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OR)

My account has been locked with available funds for over 2 months I received an email saying that my checking and savings account ( s ) would be closed in 60 days on XX/XX/XXXX. As of XX/XX/XXXX my account was still not closed with a balance of {$990.00}. Then on XX/XX/XXXX my account is still not closed with a balance of {$0.00} with no explanation as to where or what is happening to my money.
Consumer complaint received 2022-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

on XXXX XXXX capital one closed my credit card due to an identity theft dispute. they have been reporting late payments since XXXX 2022 Those alleged late payments have caused hardship in my life now. And by law those alleged late payments should not be furnished on my consumer report. that information is considered nonpublic personal information. Also, according to the TRUTH IN LENDING ACT which financial institutions abide by. there is no such thing as a late payment. it also states that a creditor may NOT treat a payment on a CREDIT CARD account under an open-end consumer credit plan as late for ANY purpose. since they have furnished multiple late payments on my consumer report, they are now making EXTORNIATE MEANS to collect the repayment of a line of credit this is causing harm to my reputation. I have been denied loans and other extensions of credit. according to congress whoever knowingly participates in collecting extensions of credit by extortionate means, or conspires to do so, in the use of any extortionate means shall be fined under this title or imprisoned not more than 20 years. they have broken multiple laws under the UNITED STATES CODE. 

1. 15 U.S. Code 6801 - Protection of nonpublic personal information congress clearly states that financial institutions have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

nonpublic personal information means any personally identifiable financial information ; resulting from any transaction with the consumer or any service performed for the consumer ; otherwise obtained by the financial institution. which includes payment history.

According to 18 U.S. Code Chapter 42 - EXTORTIONATE CREDIT TRANSACTIONS 18 U.S. Code 894 - Collection of extensions of credit by extortionate means Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means 1. to collect or attempt to collect any extension of credit, or 2. to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

extortionate means is any means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, reputation, or property of any person.
Consumer complaint received 2018-10-17
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. (MN)

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX  XXXX for months.XXXX and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2022-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have contacted the original creditor to try clear this matter up they they reporting I owe them nothing and the account had been sold to a company that is not yours I have provided a copy of the identity theft report I filed 2 years ago about this debt that keep popping up on my credit if you do not remove this debt immediately from my consume report or I will be force to pursue legal actions for compensation do to false reporting
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stein Law, P.C. (CO)

Received a letter about a court hearing. Call the leagel office listed to find out what it was about. 
They said I took out a loan in XXXXXXXX XXXX  XXXX with XXXX XXXX on line. 
My identity has been stolen after a breech of the 3 credit reporting agencies. 
I had credit cards taken out in my name, apparently this loan, several of my bank accounts were also hacked into along with my social security and my unemployment claim. 
I did NOT take this loan out. I was separated from my husband and the divorce was final XX/XX/XXXX. 
It may even be possible that he took out the loan in my name... I honestly don't know. 
I sold my house in XX/XX/XXXX to pay off my bills that I owed. 
I am at a loss as to what to do! 
I had been XXXX since the sale of my home... no money to my name... until XXXX XXXX XXXX when I was able to get a Section 8 housing voucher. 
I have nothing in my name and lost everything I had. XXXX XXXX Sheriff 's Department in XXXX investigated the identity theft and found that a ring in XXXX had stolen my identity. Nothing could be done about it. 
I checked with legal services and was advised not to file bankruptcy because I had nothing for anyone to come after me for payment of things that were not mine.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Equifax has blocked my credit report for no apparent reason. I am unable to get a credit report and lenders are unable to pull my credit report. This is delaying my home purchase and causing unnecessary frustration. I have called Equifax numerous times and have been unable to get a straight answer about why this is happening and what the resolution could be. I was told to fax a copy of my social security card and ID to them, but the fax would not transmit. Please help me deal with this negligent behavior.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OH)

CITI CLOSED MY ACCOUNT AND WON'T SAY WHY. 
THEY ALSO SAID THEY WILL SEND MY FUNDS IN 60 DAYS OR SO. I NEED THOSE FUNDS ASAP.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019, I was in contact with a person named " XXXX XXXX '' via text message from phone number XXXX about concert meet and greet ticket for XXXX XXXX XXXX in XXXX MA. XXXX stated that she would sell me two meet and greet tickets for {$40.00} a piece totaling {$80.00}. XXXX asked me to send the money through XXXX friends and family so that she did not have to pay the fee and wait for the money to come through. I sent the money to her and then she stated that she cancelled it accidentally. I asked her for proof it was cancelled in which she supplied me with a transaction number from XXXX. I resent money again to her and she stated that she received it. I asked for proof of the tickets and who she was and she sent it to me also. I never received the product I paid for. I contacted XXXX and they stated they could not do anything for me due to me sending it friends and family and not business transaction. I then disputed the transaction through Bank of America due to that being the credit card I used. Bank of America stated that they could not do anything for me either due to XXXX policies. I am looking to get these transaction taken off of my credit card due to it being fraud. I paid for a product I did not receive and have the text messages to prove it.