davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Lost wallet and placed a freeze with 3 credit organizations including Experian. 

Found wallet and removed 2 credit freezes on line with no problem. Experian was given all the correct information including the PIN number. 

They were not able to remove on-liner and gave a reference number to call instead. When calling, no live attendant is possible except for " selling. 

Instead of resolving after giving information Social Security number, address, etc. There is no intention to resolve, but to advise you to mail them with numerous amounts of information. Will have to certify letter so they cant say they did not get it. 

In the meantime, they are now sending emails after the online rejection to remove the freeze, to buy their services. 
Also, I cant refinance and take advantage of todays rates because of being held captive by Experian. 
I have a pin, but of no help. 

XXXX  and XXXX was a 2 minute on-line transaction. Experian is abusing the process for personal gain by selling services instead of solving their on-line problems.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (NY)

On XX/XX/XXXX 2020, CREDENCE RESOURCE MANAGE add a derogatory marks on my credit reports per XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2015-07-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

MY MORTGAGE WAS JUST SOLD/TAKEN OVER BY PENNYMAC LOANS XX/XX/XXXX. I HAVE HAD NOTHING BUT ISSUES WITH THEM SINCE THEN. NOT ONLY HAVE THEY DECIDED THAT MY ESCROW ACCOUNT NEEDS MORE MONEY AND RAISED MY PAYMENT, BUT NOW THEY HAVE NOT PAID MY HOMEOWNERS INSURANCE PREMIUM. SUPPOSEDLY THE CHECK " GOT LOST IN THE MAIL ''. MY INSURANCE COMPANY HAS CONTACTED THEM ATLEAST TWICE A WEEK FOR 3 WEEKS, WITHOUT SUCCESS. NOW POLICY IS SET TO CANCEL IF THE PAYMENT IS NOT RECEIVED BY TOMORROW. MY INSURANCE COMPANY REP GOT ME INVOLVED TODAY, AND AFTER MULTIPLE CALLS, PENNYMAC THINKS THAT THEY CAN SUPPOSEDLY GET ANOTHER CHECK OUT BY MON OR TUES .... SEVERAL DAYS AFTER MY INSURANCE POLICY CANCELS. THEY EVEN SUGGESTED THAT I JUST PAY MY PREMIUM, THEN I CAN GET A REFUND FROM MY INSURANCE AFTER THEY FINALLY PAY.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to dispute the reporting of inaccurate information by American Express to the credit reporting agencies and to notify you of violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
These inaccuracies are a serious concern to me, as they negatively affect my credit score and may impact my ability to obtain credit. Under the FCRA, I have the right to have accurate and verified information reported to the credit bureaus.

In accordance with the FCRA, specifically : Section 611 ( 15 U.S.C. 1681i ), I am requesting that American Express conduct a thorough investigation of these discrepancies.
Section 623 ( a ) ( 1 ) ( A ), which mandates that furnishers of information, such as American Express, provide accurate and complete information to the credit bureaus.

I respectfully request that American Express provide me with documentation that verifies my responsibility for the debt in question, such as the original account agreement and a detailed statement showing the calculation of the amount claimed to be owed. 

If American Express can not provide this verification, the law requires that these disputed items be removed from my credit report.
Consumer complaint received 2022-07-19
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. (WA)

XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and XXXX didnt give them permission to do so.
Consumer complaint received 2022-01-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the The date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (ME)

on XX/XX/XXXX i called chime because my phone was taken and i had XXXXXXXX XXXX in multiple transactions pending for charges i never made or allowed XXXX XXXX XXXX {$400.00} {$200.00} {$100.00} $ all within XXXX hours of each other. i told them i did not make these charges can you un pend them i had to get a new phone. they said they cant call when they are no longer pending and we will dispute them. i called the very next day and disputed them. the site that had my card and the transactions were done on was draftkings. some how they managed to deposit XXXX XXXX from my bank to this site with out needing verification codes or any proof that amount in a short time was legit. draftkings has NO CUSTOMER SERVICE number its a voicemail and they never contact you back i send them over XXXX screen shot emails of me trying to contact draftkings to dispute this and they don't respond draftkings customer service is non existent and doesnt care thats not fair. they only way they would help me is if i admitted the charges were mine and thats not right i have email proof of them saying that
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

Hey XXXX ; EOS CCA : Happy XXXX XXXX I'm demanding a true validation on this alleged account. 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 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MN)

I am writing to file a formal complaint against Jefferson Capital System This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. 

To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth :XX/XX/XXXX My Social Security Number ends in SS # : XXXX Please forward this complaint to the agency mentioned above. You may reply to this complaint by email or written mail. 

Mailing address : XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX
Consumer complaint received 2022-01-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

They started charging a monthly service charge to my CHECKING account of {$6.00} per month, and not reversing it, on XX/XX/XXXX. I am supposed to have the monthly service charge waived, based on their policy/criteria. The criteria I qualify under is " having a US Bank credit card ''. I have a US Bank credit card, which they have confirmed numerous times, but they can't get this fraudulent charge off my account. I have called many, many, times and visited a branch once, but almost every month I have to call them again. 
This is outrageous and sometimes the customer service reps are rude and uninformed. Below is a list of how many times I have called to complain about this and attempt to have it " fixed ''. 
It appeared to be " fixed '' on XX/XX/XXXX, but started all over again in XX/XX/XXXX. 
Contacted customer service @ XXXX on the following dates : XX/XX/XXXX - no name ; refused to provide credit for {$6.00} service charges on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX- visited XXXX XXXX XXXX & spoke with XXXX ; she issued credit for {$6.00} x XXXX XX/XX/XXXX - XXXX - issued {$6.00} credit for XX/XX/XXXX fee & said she would research problem XX/XX/XXXX - XXXX ( supervisor ) - issued credit for XX/XX/XXXX fee & said " someone '' didn't do what they were supposed to, to fix it XX/XX/XXXX - XXXX XXXX reversed XX/XX/XXXX & XX/XX/XXXX fees of {$6.00} each On XX/XX/XXXX, the {$6.00} fee was charged and then apparently reversed automatically. 
On XX/XX/XXXX and XX/XX/XXXX, I was again charged the fee of {$6.00} each, which were reversed on XX/XX/XXXX, after I made another call. Then on XX/XX/XXXX, I was charged another {$6.00}. I just don't have the energy to call yet again and explain the entire thing AGAIN.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

Caine and Weiner, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer report agency can not furnish in account without my written instructions 15 US C61666B a credit may not treat a payment on a credit card account under an open consumer credit plan as late for and purpose.
Consumer complaint received 2021-01-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FC HoldCo LLC (CO)

I need someone to review this. 
My issue is related to the options I chose in this complaint but ALSO an issue with their collection processes. I was working with an agent at Flagship Credit Acceptance before, he submitted a request for modification and have my payments deferred for 3 months. I ended up having to change my number due to legal purposes. 

This agent took MY PERSONAL and PRIVATE information from Flagship Credit Acceptance and FOUND my on XXXX. My PERSONAL XXXX and attempted to ask me to contact him ; he also probed to find my new number so he can contact me in attempt to collect the past due balance. 

Behavior like this is absolutely unacceptable for a member of personnel to contact by via social media, let alone my personal XXXX on HIS personal XXXX to attempt to collect a debt because my number was changed and I hadn't updated my information with any of my creditors yet. This is a breach of confidentiality and not an acceptable business practice.
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NE)

Upon checking my credit reports on XX/XX/XXXX. I noticed a company named Jefferson Capital Systems listed 2 collection entries on my credit reports. The first collection entry shows an account # XXXX for a balance of {$410.00} from XXXX XXXX. This account shows an open date of XX/XX/XXXX. 

The second collection entry entered on my credit reports by Jefferson Capital Systems is an account # XXXX for a balance of {$1000.00} fro XXXX XXXX. This account shows an open date of XX/XX/XXXX. 

Multiple requests have been made via telephone to this company to send supporting documentation that these collection amounts are in fact mine ( They are not ), but have been unsuccessful.Upon checking my credit reports today, XX/XX/XXXX, Not only did I notice these 2 collection entries are still on my reports, they both show an update of XX/XX/XXXX which appears to be a common illegal practice of " Re-aging '' debt. 

These collection accounts do not belong to me. 

Thank you in advance for your prompt attention to this matter as this incorrect information is causing me financial harm as it is preventing me for obtaining a mortgage.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

I am writing to express my deep concern and to formally complain about the continued correspondence and attempts to collect a debt from me, despite my previous communication explicitly requesting a cease and desist from such actions. This letter serves as a formal reminder of my rights and your obligations under the law, particularly in light of the fact that Jefferson Capital is not incorporated in California and is therefore operating without legal standing in my state.
Consumer complaint received 2020-06-01
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have XXXX accts that are not mine someone has used my information to open these accts even used different ss numbers with these accts I do not have any acct with capital one that is mine. these accts are fraudulent and opened using my stolen identity
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (WI)

We requested a pay off from Credit Acceptance on XX/XX/XXXX, our bank sent the payment XX/XX/XXXX, and Credit Acceptance said there was an additional payment in the amount of {$200.00} that was due the XXXX that was not paid, Credit Acceptance didnt reach out and let us know they would not be processing that payment and left our account open, and as of XX/XX/XXXX they still left our account open and hurt our credit. We have since sold the car and now Credit Acceptance is saying we owe nearly {$500.00} dollars since XXXX as they never closed the account with them AFTER our bank sent the payment ( and Credit Acceptance accepted the check ) They have continued to charge us behind our back and not letting us know they have done so. When we reached out to them about this issue we were told Well maybe if you logged into the customer portal more, you wouldve seen these payments not made, and we will get back to you within 72 hours on whether or not you owe this due to you not being responsible for checking the account.. we were under the assumption that once our bank sent the payoff amount- we were done dealing with Credit Acceptance so there was no reason to check the customer portal not only was Credit Acceptance dishonest with the payoff amount they were also very sleazy in customer care when they are at fault for the shady business deal behind our back. We would NEVER recommend them again, the interest rate alone shouldve been the red flag from the start.