davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

**To Whom It May Concern : ** I am writing regarding your continued failure to adequately respond to my requests for debt validation, which directly violates federal law. Your practice of merely providing a photocopied statement is insufficient and fails to meet the requirements for proper validation under the Fair Debt Collection Practices Act ( FDCPA ). This disregard of regulatory obligations and my rights is unacceptable and will be addressed accordingly.

To date, I have filed the following complaints, clearly outlining my request for valid documentation and highlighting your non-compliance : - CFPB complaint # XXXX ( XX/XX/year> ) - CFPB complaint # XXXX ( XX/XX/year> ) - CFPB complaint # XXXX ( XX/XX/year> ) Each of these complaints has outlined my demands for lawful validation. To be clear, the photocopy of a statement you have repeatedly provided does not constitute valid documentation as defined by law. 

**Previous Actions Taken ( XX/XX/year> ) : ** - An *INFORMAL* complaint has been filed with the XXXX XXXX XXXX XXXX - A complaint has been submitted to the XXXX XXXX XXXX **Next Steps : ** Effective immediately upon submission of this letter via the CFPB, I will proceed with the following actions unless the tradeline is permanently deleted : 1. Contact legal counsel and proceed with the lawyer that demonstrates the most aggressive strategy. 
2. Submit a *FORMAL* complaint to the XXXX XXXX XXXX XXXX XXXX 
3. Forward this case to each credit bureau to initiate their investigation of your company 's actions.

4. Mail all documentation regarding your failures to Texas Attorney General XXXX XXXX. 
5. Submit all related materials to the Federal Trade Commission ( FTC ) in a direct letter to highlight these issues beyond the saturated CFPB system.

**Your Options : ** You now have two options. You may either : 1. **Delete** this tradeline permanently and provide written confirmation of this action, at which point I will cease further action. 
2. Continue in noncompliance, in which case I will pursue all available legal avenues to address your violations and seek damages. Consider this your final notice. I have compiled the necessary evidence and documented the damages caused by your continued negligence. The choice is yours, and time is limite
d. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-10-28
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: DISCOVER BANK (GA)

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Subject : Request for 1099-C Issuance and Deletion of Charge-Off from Credit Report Discover Bank Credit Reporting Department , Good day , I am trying to purchase a home. I am reaching out regarding the closed credit card account with Discover Bank, which reflects a charged-off status on my credit report with an outstanding balance of {$1000.00}. This account, which was opened on XX/XX/XXXX, and closed on XX/XX/XXXX, has recently impacted my credit history and score significantly. 

Under the Internal Revenue Service ( IRS ) guidelines, if a creditor forgives a debt exceeding {$600.00}, it may consider the amount as canceled debt, thereby potentially requiring the issuance of a Form 1099-C. To determine if this debt qualifies for cancellation, I kindly request that you review the accounts status and confirm if Discover Bank will proceed with a 1099-C filing for this balance. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) Section XXXX81c ( a ) ( 4 ), credit reporting agencies are required to ensure that only accurate and verifiable information is retained on consumers credit reports. Given the account 's current status as a charge-off and the potential issuance of a 1099-C, I respectfully request that Discover Bank delete this charge-off from my credit report to ensure compliance with the FCRA.
Consumer complaint received 2024-10-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (VA)

The following accounts were fraudulently opened under my name : Santander XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX amount of {$940.00} XXXX XXXXXXXX XXXX XXXX XXXX amount of {$1000.00} XXXX XXXX XXXX XXXX  Balance of {$550.00} In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts.

As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary.

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind.

Thank you for your time and assistance in this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation.
Consumer complaint received 2024-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

XXXX XXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (FL)

To whom this may concern : Im writing this letter to inform of my consumer laws are being violate. 

XXXX XXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Report 1692e. False and misleading information ( the contract you allegedly signed has violations ) Reselling the account to another company is a violation The loan itself is a violation of 15 USC 1605 ( a finance charge ) which violates a contractThere is no question of the general doctrine that fraud vitiates the most solemn contracts, documents, and even judgments '' ( United States v. XXXX, XXXX XXXX XXXX ( 1878 ). By this principle, this matter should never have reached this Court 's attention.

Nothing can be on a consumer report without your permission/ factual information isnt suppose to be on a consumer report ( 1681 ( 2 ) ( A ) ( i ) otherwise it constitutes as identity theft due to no consent1681a ( q ) ( 3 ).

This account is also a duplicate account from a loan servicer. 

this account is also over the statue of limitations Ok 7 years Please remove account from my credit report Thank you XXXX XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (AZ)

XXXX XXXX XXXX sent notice to a collection agency PlusFour regarding a debt that was either not incurred or was paid. I have tried to contact the billing department of XXXX, but have been disconnected after excessive wait times. I contacted PlusFour who refused to give me any information.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (SC)

On Friday XXXX XXXX, time stamped XXXXXXXX XXXX I called Care Credit as advised by a mortgage specialist to pay the amount of {$750.00} to bring my account up to date. During my phone conversation a representative stated that the debt was no longer able to receive payment and was forgiven. I then asked him to make sure my credit bureau was updated. When I requested an email confirmation of this information the representative stated that they could not meet this request.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off 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 personal information Also Known As : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I am a victim of identity theft and I have never applied for or opened a checking or savings account with Huntington Bank. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (NC)

This letter serves as my response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. After reviewing your response, I find that your company has failed to comply with applicable state and federal regulations concerning consumer rights and credit reporting. By not adhering to these legal standards, you have chosen to infringe upon my rights as a consumer, resulting in harm to my credit profile creditworthiness and financial standing.

Due to your failure to uphold these regulatory obligations, I am left with no alternative but to initiate a formal complaint in my local district court. This action will address your non-compliance and seek appropriate remedies for the damages incurred as a result of your actions. You will find a copy attached to this compliant.

I trust that, moving forward, you will take this matter seriously and review your procedures to ensure compliance with all applicable regulations to prevent further infringement on consumer rights. Should you wish to resolve this matter amicably prior to court proceedings, I am open to discussing a resolution that respects my legal rights and mitigates any further harm.

Please direct any additional communication to me in writing at the address listed above.

Thank you for your attention to this matter.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

I have reviewed my consumer reports from XXXX, XXXX, and XXXX, and I noticed that you have reported an account as a charge-off / collection. 

An account can not be both a charge-off and a collection at the same time. A charge-off is a canceled debt, which requires the issuance of a 1099-C form to the consumer. How can you collect on a canceled debt?

The collection of a canceled debt that has been charged off constitutes tax fraud and will be reported to the IRS using Form 3949-A. 

My creditor is DISCOVER BANK and the account number is XXXX. 

This unfairly placed negative mark is affecting my personal life, my ability to build credit, as well as my ability to work and get ahead properly.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (WI)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX
Consumer complaint received 2024-10-02
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. (HI)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally, protected consumer rights to privacy And confidentiality under 15 USC 1681 Account name # 1234 account name # 1234 account name # 1234 account name # 1234 has violated my rights 15 U.S.C. 1681 section 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 c ( 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 and crimes, which antedates the report by 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 cost to believe that the right Solution Delete these accounts
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (SC)

I have provided my photo ID along with the other required documents. 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per by LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BetterNOI, LLC (SC)

I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score.

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report.

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-28
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: Duvera Billing Services, LLC (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-11-24
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 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 XXXXXX/XX/XXXX