davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Aldous and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

I initiated communication with USAA Federal Savings Bank by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter, two documents providing opt-out laws and their definitions, and a copy of the account details and reporting from all three reporting agencies, USAA credit card agreement to show they have arbitration in their agreement as well as their arbitration instructions document. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (MD)

The information I received on the itemized bill is different from my XXXX and XXXX reports. The information on one report show the original creditor and the other do not. There is two different reports showing different info. The company is not abiding by FCRA and have not reported accurate information. They have 30 days to remove the debt from my report or face fines according to FCRA law.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

Well XXXX XXXX I have contacted the creditors about dis account and ask them to dispute the items but they never did dispute so I writing asking for dis account to be removed off my file because the opening and closed dates are definitely wrong and also it's still showing that the account is still open which should been closed cuz I paid it off and they said it was going to be removed but did it so yo resolve dis issue asking for it 2 be removed off XXXX report only
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (MD)

I have been a member of Navy Federal Credit Union for over 39 years. I had a home XXXX loan. In XXXX or XXXX if XXXX I put down a large amount of money paying off half of tge loan. My balance was reduced to XXXX. I noticed then that by doing that my account statement said the next payment was due in XX/XX/XXXX and the payment was XXXX. I called Navy Federal to confirm that this was accurate and they stated yes it was. What they failed to mention WAS that my account would continue to accrue interest DAILY. I was informed on XX/XX/XXXX that I owe approximately XXXX $ in interest. I am really outraged. I gave a good credit score, XXXX and I keep up to date on all of my bills. This is very sneaky and NON TRANSPARENT. I do not want to pay an extra XXXX. I do NOT FEEL THAT THIS IS MY FAULT BECAUSE I ASKED ABOUT THE PAYMENTS. I LITERALLY INQUIRED ABOUT THE DATE OF XX/XX/XXXX AND I WAS TOLD THAT WOULD BE THE NEXT MONTH I WOULD BE REQUIRED TO MAKE A PAYMENT. IF I HAD KNOWN THAT IT WOULD ACCRUE INTEREST DAILY I WOULD HAVE MADE STRATEGIC PAYMENTS. THE INFORMATION AFFORDED TO ME BY NAVY FEDERAL WAS NOT TRANSPARENT. I WOULD LIKE TO COME TO AN AGREEMENT FOR A SOLUTION. I AM OUTRAGED AND I WANT TO HAVE THIS INVESTIGATED. I DO NOT THINK IT IS FAIR THAT I HAVE TO FURNISH AN EXTRA XXXX $ ESPECIALLY SINCE I HAVE MONETARY OBLIGATIONS THAT I NEED TO FULFILL. The amount on my statement of account dealing my loan has consistently remained. XXXX $ owed.
Consumer complaint received 2020-04-18
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: WELLS FARGO & COMPANY (MA)

in XX/XX/2019 we refinanced our home with XXXX XXXX XXXX. We were behind in our car and home payments along with other creditors due to the XXXX status of my husband. We expressed our concern with the loan officier of the urgent need to get this done, so we did not loose our home or car or have other damaging effects on our credit. We signed the closing documents at he the lawyers office on XX/XX/2019. The payments went out to all of our creditors. The lawyer sent XXXX the payment for our mortgage and the home equity payment. However the loan officer was neglectful in sending out the payment to our other creditors. The checks were sent out thought regular mail, non registered. Several of the payments were late to our creditors including the payoff for our car. This check was lost in the U.S. mail. The payment to Wells Fargo was never received. On XX/XX/2019they repo 'd our car. It took several phone calls to Wells Fargo who talked to the bank and the bank now XXXX XXXX  to release our car. We have tried a number of times to resolve this matter with Well Fargo to remove this repo from our credit report. They are not willing to do so because they say the repo was performed legally. It was the fault of the XXXX XXXX in XXXX, Massachusetts, because they did not send the checks out through registered mail and they were lost. We now want to refinance our home with another bank due to the loss of confidence we have in them. They have not assisted us in any way and have damaged our credit to the point we can't even get a simple credit card.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (TX)

Atlantic Recovery Systems called my phone and I informed them they had the wrong number. They called numerous times after being informed they had the wrong number and when I asked for a supervisor I was hung up on. I called back and asked for a manager and was transferred to the chief compliance officer who I informed him that I was being harassed his response was okay what do you want me to do as if he didnt understand that his company collection practices were illegal. I also have a voicemail that stated they had a file in their office for the person they were looking for and if I am not mistaken XXXX XXXX prohibits that. The phone calls occurred on yesterday XX/XX/year>. The voicemail was on XX/XX/XXXX. They also violated XXXX and XXXX.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is imperative to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a profound regard for the consumer 's privacy rights. Equifax and XXXX, recognized as consumer reporting agencies, hold sensitive consumer information, and I, as the consumer, assert my right to safeguard this information, as underscored by 15 USC 6801. This statute emphasizes Congress 's intent for financial institutions, including furnishers of information to credit agencies, to uphold a commitment to customer privacy and confidentiality. Pertinently, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish consumer reports under specific circumstances, explicitly when directed by the consumer in writing. I have neither provided nor consented to the furnishing of my information to Equifax, XXXX, or any financial institution. Consequently, any form of consent, whether expressed verbally, non-verbally, or implied, is hereby revoked. Further reinforcing my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options. This obligation has not been fulfilled by the furnisher of information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in reports without authorization. The presence of such information on my account violates this provision, as well as 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits furnishing inaccurate consumer information. Moreover, in accordance with 15 U.S. Code 1681e, consumer reporting agencies must establish reasonable procedures to prevent violations of consumer reporting laws. Equifax and XXXX have failed to fulfill this obligation. Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax and XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-19
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. (NY)

I am submitting this CFPB complaint to formally dispute the accuracy of the information contained in my credit report, specifically regarding the account information associated with XXXX. After reviewing my credit report, I have discovered several inaccuracies that require immediate attention and correction. The discrepancies I would like to address pertain to the following details associated with the account : XXXX XXXX : According to my credit report, the payment status of the account is reported as " late. '' However, I have always made my payments to XXXX  on time. It is highly misleading and damaging to my credit history to have inaccurate late payment information reported. Please investigate and correct the account : XXXX XXXX Balance : {$270.00}. I would appreciate the Credit Bureaus ' immediate attention to this matter, as it is of utmost importance to me. It is crucial that the Credit Bureaus adjust the late payments from this account to reflect the accurate payment history that I have maintained.
Consumer complaint received 2023-07-19
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: NCB Management Services Inc. (VA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-02-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (AR)

On XX/XX/XXXX, I contacted RENTDEBT to make a payment agreement on a debt of {$33000.00}. I asked if I could pay {$200.00} a month until the debt was paid or settled. The CSR I spoke with said that would be fine. I asked for a statement confirming the payment agreement to be sent via email and mail. I was told that a agreement statement would not be possible until the debt was paid In full or settled. The reason why I asked for this is to show that I am paying the debt and to show my home loan officer to qualify for a mortgage so my family and I will no longer be homeless. I called RENTDEBT on XX/XX/XXXX to speak to a manager to be told that they would not be able to send the statement. 
Company responded on XX/XX/XXXX Response Type Closed with XXXX XXXX 's Response My name is XXXX XXXX. I am the Vice President of Compliance for RentDebt Automated Collecons, LLC ( RDAC ) and I have been asked to respond to XXXX XXXX XXXX complaint. RDAC has completed its invesgaon, and the results are as follows. XXXX XXXX account was placed with RDAC for collecon on XX/XX/XXXX, by RDACs client XXXX XXXX, with a balance of {$33000.00}. On XX/XX/XXXX, RDAC mailed its inial collecon leter to XXXX XXXX at his last known address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. That leter included the required noce of validaon rights pursuant to secon XXXX of the Fair Debt Collecon Pracces Act and that leter was not returned as undeliverable to RDAC by the XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX account to the three naonal consumer reporng agencies ( XXXX, XXXX, and XXXX ) ( CRAs ) with permission from our client, XXXX  XXXX. On XX/XX/XXXX, RDAC spoke to XXXX XXXX, during that call, XXXX XXXX verbally agreed to make {$200.00} monthly payments on his balance with XXXX  XXXX. XXXX XXXX asked if RDAC could email him a payment arrangement. The RDAC representave advised XXXX XXXX that he could not comply with the request due to RDAC company policy. RDAC has atached copies of XXXX XXXX final account statement, signed lease, and receipt the payment made on XX/XX/XXXX for {$200.00} We welcome XXXX XXXX to contact our office at XXXX Monday Thursday from XXXX to XXXX and Friday from XXXX to XXXX XXXX XXXX to discuss opons that might be available to him and to assist in resolving his account. Thank you for the opportunity to respond to this complaint. 
XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute on XXXX, and I believe they have violated the Fair Credit Reporting Laws by not properly invesigating my dispute. They just marked my credit file as updated in less than 12hrs after I submitted the dispute. 

I ask that XXXX follow the law and rules and properly investigate my dispute to the fullest extent, I filed an identity theft report with the FTC, and i have attached it to this complaint as well. 

I also ask that XXXX follow the same suit with the dispute sent to them and because a Transunion has me blocked from submitting disputes via online I ask for them to open a dispute and investigate this matter as well. Failure to comply will result in me submitting further complaints
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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: Exeter Finance, LLC. (VA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-07-19
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (VA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX