davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (RI)

Hi Caine and WEiner COmpany ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

CONSUMER ADJUSTMENT COMPANY INCORPORATED placed a collection notice on my credit. I contacted them about it and their agents were being childish and failed to disclose any information about it at all and simply were pushing me to pay the debt instead of validating it. i researched the company and they do this a lot. I have a sense that they bought my information somewhere and filed this debt scaring me into paying. This is their business model. They have no business relationship with U XXXX XXXX as confirmed by U XXXX XXXX. They should be investigated and provide appropriate contracts they have with their clients and how they got my information from steps A to Z. I will also be reaching out to my attorney about this matter since this company has a whole class action group of people it has been trying to take advantage of. I expect the CFPB to take this seriously. Simply do a XXXX search on this company and inquire of them how they got my information and what relationship they have with U of XXXX XXXX because I have in writing from U of XXXX and their XXXX that they do not have any relationship with them. This is also ruining my credit right now when I am house shopping and other things. I am expecting some penalty to be paid to me for my damages. This company claims they tried to validate the debt. This is false. I called twice because they were childish and pushing me to pay. They should release copies of the phone call. Their reign of terror over victims should be over and CFPB should lead the way. Just XXXX their company.
Consumer complaint received 2020-11-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (TN)

On XX/XX/2020 I submitted a letter to XXXX to verify a negative tradeline that has been reported on my credit report by Ally Auto. I was requesting verification of the deficiency notice which was never provided. Under the laws of the State of Illinois UCC 810ILCS5/ and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

XXXX XXXX response was Completed investigation of FCRA dispute - consumer disagrees. 

On XX/XX/XXXX I also requested verification pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } ... 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I was not provided with this information in 30 days which is required by the FCRA and nothing was sent with my signature saying I authorized this debt.
Consumer complaint received 2018-10-13
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. (NV)

" " '' I have disputed this collection on this 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 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RC Willey (UT)

RC Willey is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see RC Willey report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that RC Willey please take leniency on my hardship and remove any XX/XX/XXXX lates as a one time goodwill adjustment.
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I have reached out to chexsystems more than 60 days ago to resolve this matter and they did not. Consumer report listed as exhibit a and exhibit b along with complaint # # XXXX shows that chexsystems removed inaccurate and false information per complaint # XXXX and exhibit a. and then in that same complaint # XXXX state that the information is in fact verified and accurate which they show to not be true per removal of information. They are continuing to report false and misleading information which is a direct violation of my rights of the FDPCA. per 15 usc 1681 ( a ) accuracy and fairness ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

they are in fact ruining my reputation with this false inaccurate and misleading information. also per 15 usc 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

clearly my consumer report is showing inaccurate information and i am requesting an immediate removal of the incorrect account /information. per my consumer rights everything must be XXXX percent accurate and my consumer report is not showing XXXX percent accurate.
Consumer complaint received 2018-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Reference ID : XXXX I received an email stating my PayPal funds are now eligible for withdrawal after being held for 180 days. 

I am respectfully requesting that the hold on my funds/account be lifted. I am not requesting that my account be re-opened or allowed to continue to use the PayPal service. I have previously requested my funds be released which was denied.However, I feel that holding my funds for a non-fraudulent violation of PayPals Acceptable Use Policy is Excessive, and perhaps a punitive abuse of power.
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am currently having issues with credit reporting companies reporting on my credit. Ive already filed complaints as well as disputes for several accounts Showing inaccuracies on my report. It has been well over 60 days and I have yet to seen any other disputes corrected on my credit report. I have also went ahead and filed a police report regarding the identity theft that has happened on my credit I will be attaching those files as well as the disputes sent in to the credit bureaus.
Consumer complaint received 2021-06-01
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: Experian Information Solutions Inc. (DC)

AN UNAUTHORIZED CREDIT INQUIRY SHOWED UP ON MY CREDIT PROFILE FROM XXXX AND I IMMEDIATELY CONTACTED EXPERIAN TO NOTIFY THEM ABOUT THE ISSUE AND THEY REPEATEDLY TOLD ME THAT THEY WOULD NOT DISPUTE THE INACCURACY. I CALLED MULTIPLE TIME AND EACH REPRESENTATIVE IN THE FRAUD DEPARTMENT REFUSED TO HELP ME AND REMOVE THE UNAUTHORIZED INQUIRY ( NAMES OF TWO REPS XXXX, XXXX  ) -TWO REPS REFUSED TO GIVE ME THEIR NAMES AND THE TWO THAT DID WOULD ONLY STATE THEIR FIRST NAME.
Consumer complaint received 2021-10-22
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: NCB Management Services Inc. (GA)

Per Congress there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices. These illegal practices have led to an invasion of my privacy per 15USC1692 ( a ). XXXX XXXX XXXX and NCB MANAGEMENT SERVICES is in direct violations of my federally protected consumer rights. I use my consumer report to extend myself credit, my federally protected right per 15USC1602G. 15USC1601 states its purpose is to protect me, the consumer, against inaccurate and unfair credit billing and credit card practices. Congress also states credit reporting agencies have assumed its role per 15USC1681 ( a ) ( 3 ). They must report what I instruct them to. 15USC1681s-2 ( 7 ) ( e ) states use of notice without submitting negative information and 15USC1681s-2 ( 7 ) ( g ) ( i ) states no reporting negative information about the consumer. On or around XX/XX/2021, XXXX XXXX XXXX XXXX out the balance on an alleged debt and sold the account to NCB MANAGEMENT SERVICES, an invasion of my privacy & violation of my federally protected rights. I previously commanded XXXX XXXX XXXX to cease all collection of any alleged debt and to cease all communication with me and all 3rd party debt collectors in regards to me for all purposes. XXXX XXXX XXXX is currently in violation of my federally protected rights. My question for XXXX XXXX XXXX and NCB MANAGEMENT SERVICES is did XXXX XXXX XXXX inform NCB MANAGEMENT SERVICES that I demanded XXXX XXXX XXXX to cease all further communication with me and any 3rd party debt collectors in regards to me for all purposes?

Before we get to validation per 15USC1692g, the FDCPA states XXXX XXXX XXXX and NCB MANAGEMENT SERVICES must have my permission to communicate with me per 15USC1692c. XXXX XXXX XXXX and NCB MANAGEMENT SERVICES does not have my consent to communicate with me or any 3rd party debt collectors in regards to me for any purpose. 15USC1640 states any debt collector who fails to comply with respect to any person is liable to such person any actual damage sustained. Under federal law, I am entitled to emotional distress, damages, economic damages costs and attorney fees per 15USC1692k and other consumer protection laws. FCRA defines a consumer report as a medium, which is communication. I am NOT requesting an investigation or verification because Congress states XXXX XXXX XXXX and NCB MANAGEMENT SERVICES do not have the power to do so per 15USC1681 ( a ) ( 3 ). I am commanding an expeditious and permanent deletion of adverse account being furnished and immediately and permanently stop reporting for all purposes and to cease any further communication with me and any 3rd party debt collectors in regards to me for all purposes. 
I never gave XXXX XXXX XXXX or NCB MANAGEMENT SERVICES consent pursuant to federal law 15USC1681b ( 2 ).
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

In XXXX I reported 2 charges that were not mine. My bank originally filed my claim wrong, the. Had to re file. I was told in XXXX that I would get a provisional credit, I have yet to receive. 2 months into the investigation they freeze my account questioning a mobile deposit I made in XXXX. Please see my attached time line.
Consumer complaint received 2021-06-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

If you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally file a complaint against TransUnion concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 


I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

Enclosed with this complaint are copies of all relevant documentation, including a record of the dispute letter sent to TransUnion and a response letter from Transunion.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/XXXX, Comenity Bank/Lane Bryant lowered my credit limit without notice, and without my permission, and permanently closed my account on XX/XX/XXXX. This is adverse action, and federal violations of Regulation B 12 C.F.R. 1002.2 ( c ), 15 U.S.C. 1691 ( a ) ( 6 ). According to Regulation B 12 C.F.R. 1002.4 ( a ) and 12 C.F.R. 1002.4 ( b ), Comenity Bank/Lane Bryant has XXXX discriminated against me, and has inflicted discourgement upon me. According to 15 USC 1602 ( a ) ( p ) this is unauthorized use of my credit card. I did not benefit in any type of way, from Comenity Bank/Lane Bryant revoking , and closing my credit account unlawfully. I made a previous complaint via the CFPB. On XX/XX/XXXX, XXXX XXXX of the Compliance Department at Comenity Bank/Lane Bryant responded to my complaint via CFPB, and threatened to injure my reputation to the consumer reporting agencies by retaining my consumer information, amongst other civil and criminal acts. I never gave Comenity Bank/Lane Bryant XXXX XXXX XXXX XXXX XXXX, or permission, to report my credit information to the credit reporting agencies.This is a federal violation pursuant to 18 USC 876 ( d ), 15 U.S.C 1681s-2 ( 7 ), 15 U.S.C 1681a ( d ) ( 2 ) ( b ), 15 U.S.C 1691 ( a ), 18 U.S.C. 914, 15 U.S.C 1692d, 15 U.S.C 1691 ( a ), 18 U.S.C. 241, 18 U.S.C. 242, 15 U.S.C 1681n.
Consumer complaint received 2021-10-22
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)

Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ].

I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. 

Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. 

Thank you. 

Enclosures.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

i called to pay this and told collection company i wil pay but they must remove from credit report before i pay they said the will call original creditor and verify and they called me back and said they will remove it but they never did after i paid it
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is not applying credit card payments to the highest rate balance. Even after the minimum payment is covered for the lowest interest rate balance, they are first paying off 0 % interest rate balance transfer offers first and leaving higher rate purchases and cash advance balance to be paid off last. This leads to making it nearly impossible to pay off any purchases or cash advances until the promotional balance transfer offer is paid off, thereby locking the consumer into paying interest if they use the card after the balance transfer offer.