davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I provided a loan refinance check issued by XXXX XXXX XXXX XXXX to payoff the Bank of America XXXX loan ending XXXX via overnight delivery to the address provided on the Bank of America fax payoff quote and received delivery confirmation from XXXX on XX/XX/XXXX at XXXX am. XXXX tracking number XXXX. 

Bank of America website clearly states that all payments will be posted within XXXX business days. As of XX/XX/XXXX, XXXX calendar days and XXXX business days, Bank of America has not posted the payment. Multiple phone calls to their auto loan service center results in no additional information and they do not reflect receipt of the payoff. 

At first, the Bank of America agent states that their payoff instructions are inaccurate and they no longer accept payments at the address specified for overnight delivery. A second phone call states that they do and that payments are being forwarded. A third call states that they need 7 days to process a payment, in contradiction to their website banner. 

At this point, they have not processed my payment and I have delivery confirmation of the $ XXXX payment. The new lender, XXXX XXXX has confirmed that the new loan check has not been presented for payment. I want Bank of America to take responsibility for the check they received and process the payoff.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

To Whom This May Concern, Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am requesting validation of this debt. Please provide complete information on the original creditor, original account number, the date this account was open, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days.

If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease..

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting 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)

I have asked CFPB to investigate EXPERIAN for their negligence. This company has repeatedly reporting negative accounts to my credit report. They have lied like they have verified that's a lie. I haven't til this day received any supporting documents bearing my signature. Only a letter saying this debt is not XXXX XXXX its with a debt collector. Even if that's possible how is XXXXXXXX XXXX  reporting and EXPERIAN verifying inaccurate information. This has caused me to be denied due to inaccurate information because EXPERIAN refuses to do their job. EXPERIAN have validated my rights on several grounds because they have lied as if they verified a account and they didn't and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. ACCORDING TO LETTER. THAT MEAN THIS DEBT WAS SOLD AND I NEVER RECEIVED A 1009-C FROM A COMPANY. Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. ALSO IM A VICTIM OF IDENTITY THEFT # XXXX THIS WAS REPORTED IMMEDIATELY WHEN I FOUND IDENTITY STOLEN
Consumer complaint received 2024-09-11
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: NAVY FEDERAL CREDIT UNION (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

I am disputing a debt related to toll charges with XXXX that has been sent to collections, amounting to approximately {$12000.00}. I believe this debt is either inaccurate or has excessive fees and penalties that I was not aware of or did not receive proper notice for. 

I have not been able to fully review or validate the charges and penalties that led to this amount. I am requesting validation and breakdown of the charges, including any tolls, administrative fees, and late fees. Additionally, I need confirmation that I was properly notified of these charges and that the tolls in question were indeed incurred by my vehicle. 

I have reached out to XXXX and the collection agency but have not received sufficient assistance in resolving this matter. I believe the debt may be inflated due to administrative errors or excessive penalties that are not justified. I am seeking a resolution that will allow me to address the actual toll charges without excessive penalties and to negotiate a manageable payment plan if needed. 

I request the CFPBs assistance in investigating this issue and ensuring that all charges are valid and fairly assessed.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX  # XXXX BALANCE {$5300.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX BALANCE {$3700.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX BALANCE {$2400.00} -DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (MI)

I am writing to file a formal complaint against Navy Federal Credit Union regarding a debt they are alleging I owe. I am disputing the validity of this debt and formally requesting Navy Federal Credit Union to provide full validation, as required under federal consumer protection laws. 

Issue : Navy Federal Credit Union has claimed that I owe a debt. However, I have not received sufficient documentation or validation to prove that this debt is valid and legally enforceable. I am requesting Navy Federal Credit Union to provide proper validation of the debt, including : 1. The amount of the original debt.

2. A breakdown of how the alleged debt amount was calculated.

3. Proof that the debt has not been paid or settled.

4. Any signed agreements or contracts showing that I am responsible for the alleged debt.

Legal Grounds : I am asserting my rights under the following federal laws, which require debt collectors and creditors to provide validation upon request : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under Section 1692g, I have the right to request validation of the debt. This requires the creditor to provide sufficient proof that the debt is valid and that I am legally obligated to pay it.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Navy Federal Credit Union must also ensure the accuracy of the information they furnish to the credit reporting agencies. Reporting inaccurate or unverifiable debts is a violation of the FCRA.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. If the debt stems from a credit transaction, I request any documentation related to my original credit agreement with Navy Federal Credit Union, as required by the Truth in Lending Act.
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: CITIBANK, N.A. (CA)

I have previously sent this company a written cease of communication notice, as I do not owe this debt and even if I did, it is long past the statute of limitations. 

Somehow, they have gotten my cell phone number and are calling me on my cell phone. 

After being told they were calling me on my cellphone without my consent the individual said they had the legal right to call my cellphone whether consent is given or not. 

I do not owe this debt. This debt is past the statute of limitations for collections. I wish to be compensated for the unauthorized calls to my cellphone
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

I have a collection on my credit report from ALLIED COLLECTION SERV for XXXX XXXX at XXXX in the amount of {$3600.00} for supposably unpaid rent and for damages not done by me. I have proof I paid my rent and that the apartment had numerous defects before I moved in. This is putting me in a situation to where I'm about to be homeless because nobody wants to rent to me on these circumstances. I tried to speak with property management numerous of times and they are not being responsive.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so thats violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights XXXX violated again due to my lack of consent.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (LA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

Citibank has not acknowledged in writing my report of the fraudulent wire transfer on XX/XX/year> for {$30000.00}. On XX/XX/year> the same bank and account number made a {$470.00} deposit to my account, which I imagine means the fraud account is still operating. I would think if Citibank was investigating as I was told, the fraudulent account would be closed or not able to deposit into my account.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.