davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against a collection agency that has placed a collection on my consumer report without adhering to the legal requirements outlined in federal law. Below are the specific violations I believe have occurred : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have reported a collection account on my consumer report, which is unlawful without proper validation. 


2. Lack of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the ability to contest the validity of the debt before reporting it is a clear violation of my consumer rights. 


3. Misleading and Deceptive Practices : The collection agency has employed false, misleading, and deceptive means in their attempts to collect the debt. This is a violation of federal law, which prohibits such practices when interacting with consumers. 


4. Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has no authority to furnish any account information to consumer reporting agencies without first providing all required disclosures. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which mandate specific procedures and disclosures before a debt can be reported to credit bureaus. 


I request that the CFPB investigate these violations and take appropriate action to ensure that my consumer rights are protected. I also seek the removal of the erroneous collection account from my consumer report and any other remedy deemed necessary to rectify this situation. 


Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2015-10-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (NV)

My name is XXXX. XXXX in XXXX XXXX I sold my house in XXXX XXXX to " XXXX ''. We met in their offices I asked for XXXX $ which was a little over what I owed the mortgage company. They wrote me a check for the difference I handed over my keys an moved from XXXX to XXXX. A few times after that the bank would continue to take the money out of my account for the mortgage but I contacted the realtor for we buy ugly houses an they fixed it. 
I heard nothing more about the house until I briefly moved back to XXXX in XX/XX/XXXX. Then I found out the house I " sold '' was probably a rent to own an the people I thought I sold a house to stopped making payments. Still at that time I did n't feel it had anything to do with me as I sold that house. In XX/XX/XXXX I heard I was in foreclosure for that house. I received a notice from Nationwide, I sent them a lette saying I sold that house. First problem was since it was over 5 years since I sold it I had thrown away the paperwork from the " XXXX " people. Second problem seems to be no deed was ever transferred, recorded Or in evidence of the sale I thought was completed. I was still listed as owner. 
Despite several attempts to try to tell the I do not own this house have reaped no profit nor made any payments on it since XX/XX/XXXX. 
They are pursuing foreclosure on this house. I now live in Nevada an I do n't know what to do. A realtor friend of mine told me to contact you, please help I feel I have been the victim of fraud with these people " we buy ugly houses '' an feel helpless to stop this. I own nothing, have nothing an ca n't afford a lawyer. Thanks XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy of the information you report. Several dispute requests have been sent to the credit bureaus with no updates on any of the investigation results, so maybe you can help me to get some updates here. The following accounts are inaccurately reported : My disputes are attached that has been mailed out the last couple of months to the credit bureaus. 

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting.
Consumer complaint received 2024-07-10
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In the constitution it states that. : 15U.SC 1681 sec 60A-/ : STATES I HAVE THE RIGHT TO PRVICY.!!

15.U.S.C 1681 Sec : 604A/sec2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT!!!! Finish account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) sec : STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, AND OTHER ADVERSE ITEAM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WITCH ANTENDS THE REPORT BY MORE THEN 7 YEARS!

15. U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS REPORTING OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE! 


I HAVE BEEN VIOLATED ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX amount {$480.00} ( originally XXXX XXXX ). I NEVER GAVE MY PERMISSION??? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove all listed from my credit report even closed accounts.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OH)

I recently requested to remove 3 delinquencies from my auto loan with XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Congress recently passed a law to protect consumers from being late. 15 USC 1666B ( a ). A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. With the unprecedented times and the rising cost of living I admit that I have faced financial hardship. I am trying my best to repair my credit to put myself in a better situation to provide a home for my XXXX children. If I am able to remove these 3 late payments it would be helpful. I not only have an auto loan with XXXX XXXX but I have several other accounts with them as well.
Consumer complaint received 2024-08-14
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: Incomm Holdings Inc. (WI)

I filed an original dispute on XX/XX/year> with Vanilla Gift Card regarding missing funds of {$300.00} from this gift card : XXXX. This card was given by parents as a XXXX grade teacher gift for my wife. Payment was refused at a garden center ; we thought the clerk did not know how to process a gift card. Later, I learned through the Vanilla website the card had a XXXX balance. Upon checking payment history, the entire {$300.00} balance was used at a spa in Michigan. We reside in Wisconsin and have never visited that spa. Someone must've been testing the balance with 3 separate sequential debits. As this was a gift, we don't have a receipt. 

I did not receive a reply from Vanilla for the original dispute beyond an automatic confirmation of receipt of my request. On XX/XX/year>, I replied to the XX/XX/XXXX dispute confirmation email and did not receive a reply. I called Vanilla at XXXX on XX/XX/year> to request an update and was told the dispute was closed. The agent advised the dispute has been reopened and this is the reason for this email. Vanilla sent an email confirmation of the closure of the case on XX/XX/year>. There was no return of funds ( dispute ticket XXXX ). 

This is a substantial amount of money, and Vanilla ( owned by " XXXX XXXX XXXX XXXX ) simply should not be allowed to dismiss this dispute without returning the funds. It is Vanilla 's failure to adequately ensure the prevention of fraud that has led to this financial loss. I hope CFPB can help us recover these funds from Vanilla and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (NY)

I sent in a dispute on XX/XX/year> and did not receive a response within the XXXX  day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the XXXX  day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns. 

Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account XXXX XXXX  : Account number : XXXX, The late payment reported is an error. I have proof of on-time payments. Please verify this information and update my credit report accordingly. 

XXXX  : Account number : XXXX, This account is reporting a late payment incorrectly. I have always paid on time. Update my credit report to show the correct payment history and remove the late payment. 

XXXX XXXX : Account number : XXXX, I dispute the late payment reported on this account. It is not accurate. Send me evidence of the late payment or correct my credit report to remove it. 

XXXX  XXXX : Account number : XXXX, The account shows a late payment that never occurred. This is a reporting error. Remove the erroneous late payment and ensure my credit report is updated. 

XXXX XXXX XXXX  : Account number : XXXX, The late payment on my report is inaccurate. I have made all payments on time. Please provide documentation proving the late payment or update the account to reflect the correct payment history. 

This is in accordance with Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I've been attempting to address the inaccuracies on my credit report for months without success. This is a serious issue that needs to be resolved, and this complaint is not a mistake. These are difficult times, and the burdens keep piling up, negatively affecting my life. Correcting or removing these inaccuracies from my credit report would be incredibly helpful.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CA)

Case Number : XXXX Credit Card Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX XXXX XXXX XXXX  regarding their handling of a alleged debt collection matter involving myself and American Express National Bank. I have clear evidence in the form of email correspondence, which I will attach for your review. 

On XX/XX/year>, I engaged in an email exchange with XXXX XXXX, the lead associate attorney at XXXX XXXX XXXX, regarding a request I made for a detailed financial statement under penalty of perjury related to the alleged debt in question. In my email, I explicitly requested this information to verify the accuracy of the claims against me and ensure transparency in the debt collection process. 

XXXX XXXX assured me in her response that she would provide the requested financial statement under penalty of perjury. However, to date, I have not received the requested documentation despite multiple follow-up attempts on my part. This failure to provide the promised information raises concerns about the transparency and accuracy of the debt collection process being pursued by XXXXXXXX XXXX XXXX  on behalf of American Express National Bank. 

I believe that the actions of XXXX XXXX XXXX may constitute a violation of consumer rights and fair debt collection practices. The failure to provide essential documentation as requested has impeded my ability to assess the validity of the claims against me and protect my rights in this matter. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with consumer protection laws and regulations. I have attached copies of the relevant email correspondence for your reference. 

Thank you for your attention to this matter. I look forward to your prompt review and response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX account numberXXXX
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. ()

Hi there, I hope you are well. My name is XXXX XXXX from XXXX and running a digital marketing agency here. I open the account with Mercury for XXXX ads run. So, every thing was going smoothly and suddenly Mercury compliance team deactivated my account without any reason on XX/XX/XXXX and there was {$7000.00} balance in my account. They send the check on my registered address. So, the problem is I am from XXXX and cant cash the check. The address is also the virtual address. They send this check back to the Mercury. So, I emailed Mercury multiple times to send my money to my XXXXXXXX XXXX account. But I didnt get any single response from them till now. Im getting depressed. Please do something for me, Please My account/company name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CA)

Case Number : XXXX Credit Card Number : XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their handling of a alleged debt collection matter involving myself and American Express National Bank. I have clear evidence in the form of email correspondence, which I will attach for your review. 

On XX/XX/year>, I engaged in an email exchange with XXXX XXXX, the lead associate attorney at XXXX XXXX XXXX, regarding a request I made for a detailed financial statement under penalty of perjury related to the alleged debt in question. In my email, I explicitly requested this information to verify the accuracy of the claims against me and ensure transparency in the debt collection process. 

XXXX XXXX assured me in her response that she would provide the requested financial statement under penalty of perjury. However, to date, I have not received the requested documentation despite multiple follow-up attempts on my part. This failure to provide the promised information raises concerns about the transparency and accuracy of the debt collection process being pursued by XXXX XXXX XXXX on behalf of American Express National Bank. 

I believe that the actions of XXXX XXXX XXXX may constitute a violation of consumer rights and fair debt collection practices. The failure to provide essential documentation as requested has impeded my ability to assess the validity of the claims against me and protect my rights in this matter. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with consumer protection laws and regulations. I have attached copies of the relevant email correspondence for your reference. 

Thank you for your attention to this matter. I look forward to your prompt review and response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-10
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. (TX)

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 Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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.