davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MS)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Unlicensed Collection Agency Operating in Mississippi Dear Consumer Financial Protection Bureau , I am filing a complaint against Fair Collections and Outsourcing for attempting to collect a debt in the state of Mississippi without the proper licensing. My understanding is that Mississippi requires collection agencies to be licensed to operate within the state, and Fair Collections and Outsourcing has failed to meet this requirement. 

I have made attempts to verify the agencys license status, but they have not provided any proof of licensing, nor have they responded to my requests for verification. This lack of licensure and transparency has caused me significant stress and financial disruption. 

I kindly request the CFPBs assistance in investigating this matter to ensure that my rights are protected under both federal and state laws. I have attached copies of all communication related to this issue. 

Thank you for your attention to this serious concern.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to notify you that I have been a victim of identity theft, resulting in several fraudulent accounts appearing on my credit report. These unauthorized accounts were opened without my knowledge or consent, and I am requesting immediate action to address them. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-31
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: Resurgent Capital Services L.P. (MD)

I am filing a complaint against LVNV Funding for failing to validate a debt and for inaccuracies in reporting on my credit report. Despite my prior dispute, LVNV Funding has neither provided validation of the debt nor corrected the incorrect account open date. 

The account states it was opened in XX/XX/XXXX, which is inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), LVNV Funding has accessed and reported my credit information without proper validation. Additionally, as per the Privacy Act of 1974 and 15 U.S.C. 6802, I have a right to privacy and protection of my personal financial information, which LVNV Funding has disregarded. 

Due to these violations, I request that LVNV Funding validate the debt, correct the inaccuracies, or remove the entry from my report. I also request compensation for the stress and inconvenience caused by this noncompliance. 

Thank you for your assistance.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

I want to talk about my bank Chime. 
On Friday XX/XX/2022 on my way to work in XXXX XXXX, IL. I stopped at a local XXXX XXXX  to make a purchase using my XXXX. Approximately 5 minutes later someone at the XXXX XXXX located at XXXX XXXX XXXX a man withdrew 2 separate transactions of 400 $ each. 
The other store is about 20 miles from where I actually was and after seeing the charges I immediately contacted Chime and the police department. Well first Chime said I had to wait until the transactions both settled. 
So I decided to visit the store in XXXX to see if they could offer some help. The cashier told me around the time of the transaction a man was at the ATM for 7 minutes. Which the cashier stated was very unusual. I was sent video but since the mask mandate I can not make out the person. 
Today Sunday XX/XX/2022 the transactions posted. I sent all the information to Chime, the police report, my time sheet to prove I was 30 miles away, the video from the store in XXXX where my card information was used. Chime stated the ATM withdrawals were authorized and would close the dispute. I do not have any transactions in XXXX and I rarely withdraw over 200 $ from my account. Chime Bank didnt alert me to the charges and did not try to help me with any solutions. I just got my paycheck and we dont get paid for another 2 weeks and Chime seems to believe that because my PIN was used that it is authorized. With the various types of electronic bank fraud such as skimming the use of illegal machines placed at ATMs, there is a significant chance that someone cloned my card. However this bank seems to believe everyone is lying and doesnt care to help. Please please help us out with any type of assistance.
Consumer complaint received 2024-10-31
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: General Motors Financial Company, Inc. (TN)

Ive had a on going issue with GM financial in regards to my account being set up on automatic payment. I was told it was done and it never happened. Then they said they tried calling me to inform me of a late payment. This did not happen. Its very frustrating as they have place all blame on me stating Im completely at fault for the account not being set up. Its unfortunately as Im not computer savvy and they made it out like I dont pay my bills. Ive become very stressed over this. As you can see my credit has been impeccable over the last XXXX years. 

I hope you can help. 

XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

The Company Resurgent Capital Services purchased a debt from XXXX c/o XXXX XXXX and i had no involvement with the transaction. 
According to 15 USC 3002, I am a natural person which means my name in ALL-CAPS isn't me, My name is XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) the term " Bureau '' means the Bureau of Consumer Financial Protection, herein as " CFPB ''. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the " CFPB ''. On XX/XX/year>, Congress enacted XXXX XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and therefore subject to the proper regulation and restriction ; and whereas the existing emergency had disclosed the provisions of obligations which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts.

15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

Kindly check the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (PA)

I have been receiving multiple calls a day for months from Central Portfolio Control. I have never received written or emailed communication from them. When googling the phone number they use, I was able to find the name of the company and their website. Upon logging into their website using my personal information, I found an alleged debt for an account I do not recognize and do not believe is factual. There are no dates listed on their website with the alleged debt. The accused debt does not show on any of the three credit reports. 

On XXXX XXXX, 2024, I sent Central Portfolio Control a debt verification letter to the contact address provided on their website. As of XX/XX/scrub>, 2024 I have yet to hear a response from Central Portfolio Control about my debt verification letter request. To date, I still *receive multiple calls a day* from them despite sending a verification letter and receiving no response. 

On XX/XX/year>2024, I sent an additional debt verification letter to Central Portfolio Control with certified mail and return receipt.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

HI Bank of America ; 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 2024-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (IA)

I have tried to reverify my cash app account for over a year or more since the update to the app. Being that I am a part of the cash app class action I believe is the reason they have deliberately denied my verification each time I have done it. I got to the point of just sending a photo of my state ID front and back and a selfie, as well as proof of the scan results of my state ID. They are still denying me full access to the account features such as a cash card, XXXX, borrowing etc. I know that this is because of my participation in the class action lawsuit against them for the negligence in their security and so forth.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I visited XXXX dealership in XXXX on Saturday, XX/XX/year>. Salesman is XXXX XXXX. I specifically told him to only run my credit through XXXX XXXX XXXX. I get a notification that my credit was not only run through XXXX  XXXX, they also ran through XXXX XXXX XXXX and XXXX of XXXX. I called the dealership spoke to XXXX, he advised me the XXXX XXXX XXXX- The Finance Director, stated he wanted to see if XXXX would give a better rate. I did not ask them to do that! I specifically asked for one pull to XXXX XXXX ONLY. In a text exchange with XXXX, he then states there are 3 inquiries because 1. They needed to verify my identity. 2. They automatically run through XXXX XXXX. And if this the case, NO ONE came to me while waiting, to inform me of any of this or to get my approval. However, I know to verify identity XXXX  is used and my SSN is not required to do so, and running my credit through XXXX does not verify my identity. I also know it is not a requirement to run through a dealership financing. XX/XX/year> I went to the dealership to deal with this and XXXX was not there. These 2 inquiries that I DID NOT authorize them to do, need to be removed immediately. As of today XX/XX/year>, why would you close my complaint as a duplicate. I submitted to 3 departments of your business, someone needs to address and remove these UNAUTHORIZED inquiries. Your sales person and manager know they were in the wrong. Your company is represented as a WHOLE
Consumer complaint received 2024-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have an American Express Prepaid e-gift card with a {$1000.00} balance. I attempted to use the prepaid card at the XXXX XXXX today on a split payment purchase, and the American Express card was declined for a {$1000.00} charge. The store employee tried multiple times, and even tried a {$990.00} charge which was also declined. 

I called the number on the back of my card and it confirmed I have {$1000.00} active balance to spend, but there was no option to speak to a representative to find out why the charge was declined. I tried calling 3 more times to see if different menu options would allow me to speak to a representative but the system only has pre-recorded prompts and eventually hung up on me. 

American Express Prepaid does not appear to have any way for me to resolve this issue or to use my card for the full available balance.
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 — Investigation took more than 30 days
Company: CL Holdings LLC (CA)

Heres a draft for XXXX XXXX XXXX XXXX 's CFPB complaint regarding Jefferson Capital Systems : -- - **Complaint Details : ** **To Whom It May Concern at the CFPB, ** I am filing a complaint regarding Jefferson Capital Systems due to their failure to validate a debt they reported on my credit report. This collection, listed as a derogatory account with a balance of {$790.00}, has negatively impacted my credit. 

Account Information : Creditor : Jefferson Capital Systems Account Number : XXXX Balance Owed : {$790.00} Summary of Issue : On XX/XX/year>, I sent a formal debt validation request to Jefferson Capital Systems XXXX asking for proof of my liability for this account. To date, the company has not responded or provided the requested documentation. Additionally, in reviewing my records, I have no history of any business relationship or transaction with Jefferson Capital Systems and am therefore not liable for this debt. 

Thank You XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CT)

XX/XX/year> DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute of Debt Account : XXXX Dear DISCOVER BANK I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws. 

The debts in question were not discharged in XXXX but were instead canceled via IRS XXXX XXXX, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law. 

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. 

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA. 

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt.

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies.

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately.

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, XXXX result in legal action against your company. 

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX Cell XXXX