davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Dear [ XXXX XXXX XXXX ], I am writing to dispute the debt you claim I owe in the amount of [ {$280.00}. I believe your actions regarding this account violate several consumer protection laws. 
Specifically, you have failed to provide me with validation of the debt as required by 12 CFR 1006.34B5. Additionally, you reported this debt to a credit reporting agency without affording me the opportunity to dispute it, in violation of 12 CFR 1006.34C4. Your actions constitute misleading, misrepresentative, and deceptive practices, which violates 12 CFR 1634D and 15 USC 1681S27 ( A ). 
I am requesting the following : Immediate validatio of the debt, including a copy of the original creditor 's purchase agreement. 
Removal of this account from my credit report until this dispute is resolved. 
A cessation of all communication with me except via email, text, or phone call. 
I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these violations. 
I expect a prompt and comprehensive response to this dispute. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, La. XXXX [ XX/XX/year> ] Dear [ Credit Management ], I am writing to request proof of your licensing and bonding as a debt collector. This information is necessar to verify your authority to collect the debt you claim I owe in the amount of [ {$280.00} ]. 
Please provide copies of your license and bonding certificate. Louisiana XXXX XXXX. XXXX and all its sub chapters Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
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. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: SOFI TECHNOLOGIES, INC. (WI)

We were in lender negotiations between two lenders. SoFi told us on a recorded line that we could pay for and schedule a home appraisal and get a full refund should we cancel before the scheduled appointment. The appointment was scheduled for XX/XX/XXXX at XXXX. On the XXXX, we emailed and requested to have the appraisal canceled. On the XXXX, SoFi indicated that they notified the appraisal team of cancelation. We followed up asking them to confirm we would receive a refund that same morning. Less than an hour later they confirmed we would receive a refund. Then later over the phone and on a recorded line, they informed us that they took it on themselves to actually not cancel the appraisal and just put it on hold without us ever requesting that. 

Later that same evening, the XXXX, we requested again to have this canceled before the scheduled appointment. The following morning you stated for a XXXX time that you were canceling the appraisal. It appears it was somehow not actually canceled until later that afternoon after the appraisal appointment and we only received a partial refund. 

SoFi offered to connect with the appraisal team to determine what caused the partial refund and we did not receive details back. I attempted to escalate my concern through their customer service contact us line and have not received a call back from a Supervisor but rather just an email from SoFi asking if we received our partial refund.
Consumer complaint received 2024-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc. (MA)

Dear First Financial Resources of XXXX XXXX XXXX XXXX XXXXXXXX, I am writing to dispute and demand the removal of an alleged debt from my credit report, which I believe to be fraudulent and illegal. I have no knowledge of this account and have never entered into any contractual agreements with your company or the original creditor. 

Your reporting of this account is not only inaccurate but also violates multiple regulations, including XXXX, FCRA, and FDCPA laws. Specifically, you are breaching XXXX privacy regulations under 45 CFR 164.502 ( a ), which prohibits unauthorized disclosures of protected health information ( PHI ). Furthermore, you are infringing upon 45 CFR 164.514 ( b ), which mandates that identifiable health information must not be disclosed without proper consent.

Additionally, your actions contravene the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1681e ( b ), you are required to ensure that all information reported to credit agencies is accurate. The FDCPA sections being violated include : 15 U.S.C. 1692d : Prohibits harassment or abuse in debt collection efforts.

15 U.S.C. 1692e : Prohibits the use of false, deceptive, or misleading representations.

15 U.S.C. 1692g ( b ) : Requires that you provide proper disclosure of my rights.

15 U.S.C. 1692f : Prohibits the use of unfair or unconscionable means to collect a debt.

To rectify this situation, I demand the following : Proof of your authorization to collect this debt under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ).

The legal basis for your claim of this debt. 
Evidence of your authorization to operate in my state. 
Documentation of the alleged debt, including contracts or agreements with my signature. 
A complete account history, including all charges related to collection efforts.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hollis Cobb Associates (NH)

Starting in XXXX of 2024 received phone calls every day from a random number that would leave a voicemail stating whats called the XXXX XXXX but no further information. I work weird hours so I was able to contact the collection agency and ask who it was for and they said me which had me shocked because I didnt receive any mail regarding it. The account was underneath my maiden name at Hollis Cobb Associates I made a phone call on XX/XX/year> and I spoke with XXXX? Around XXXX pm eastern time, requesting to validate the debt because I never received anything in the mail. She said she could email it the next day, took my email and said to check it over the next 3 days. Checked my email for XXXX weeks and didnt receive anything, so I figured they would mail out a copy instead as that is my right. 

After waiting another week I followed up on XX/XX/year> and spoke with XXXX at around XXXX XXXX time and she said that she couldnt request another to be mailed or emailed because the account was supposedly closed and I already received the first one.

I explained to her that I didnt, that Ive checked my email and mail throughly and nothing was received. She supposedly has to get it approved from her manager to request another validation notice and when I asked for a physical copy instead she said no because its already been sent out it goes via email. She supposedly sent one again and Ive checked my email and still nothing. 

I just want a breakdown of the amount instead of paying a random number with no details.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (OR)

Bonneville Collections has failed to validate and verify the acocunt, show that they have authority or a chain of command to even collect on the account, or provide an original contract to me showing I even owe this alleged debt. This is a violation of 15 USC 1692c ( c ) " IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT, THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATIONS. '' - By Continuing to report this negative and inaccurate information on my credit report is defamation, violation of the fair debt collection practices act, impermissible collection practices. You are ruining my reputation by reporting this inaccurate, and negative information which is also a violation of 15 USC 1692 ( d ) " ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. '' and 15 USC 1692d ( 2 ) " ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. " .If Bonneville Collections continues to report false and inaccurate information, violating the FDCPA, I will have to take legal action against them for their impermissible collection practices.
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

My ex-girlfriend set up internet service in my name with XXXX XXXX XXXX and all I know is that she called me on the phone with an agent from XXXX XXXX XXXX and he asked me for some personal information. I was not made aware that the account was only in my name and not hers and mine. I also never received any billing statements at my address from them. Apparently she didnt pay for some months and I never received anything saying that anything was owed or past due because if I had I would have had seen that the service was in my name only and that she was not paying. I would then have had service disconnected to avoid owing anything more and would have disputed what was owed like I am doing now. I did not find out that anything was owed until I was contacted by phone by a collections agency saying I owe {$340.00} for the bill. That was the first time I had heard anything about owing anything about that. My credit score has since dropped XXXX points because of it. Its sad when a womans only way of getting internet service is to XXXX over a man like this and what is worse is that these companies like XXXX XXXX XXXX are allowing it.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (OH)

I was trying to send {$350.00} with Wise on XX/XX/year>. I set up transaction and transferred {$350.00} from my bank account to Wise. Same day wise confirmed they received my money. 

Transaction would not go through and get stuck marked as 'sending ' on their website. 

On XX/XX/XXXX I contacted wise support with an inquiry about my transaction. Support team pointed to an older message from them, the request to 'active ' the account by sending more money with them ; transferring money to their website ; or getting them more details about the account. 
I already sent more money with them on XX/XX/XXXX, but smaller. However, that transaction would get stuck on 'sending ' too.
Consumer complaint received 2024-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AZ)

XX/XX/year> notice a collection notice on my XXXX credit report. Called the agency ( Southwest Credit Systems ) doing the collections and after 45 minutes the could not find anything about me or the reason for the collections. 
XX/XX/year> called XXXX and they also could not give any information except who the original creditor was. XXXX XXXX. I have never done any business with XXXX and have been with my insurance company for XXXXXXXX XXXX 
XX/XX/year> Filed a Disputed with XXXX XX/XX/year> XXXX can't find anything about me without a account number and have no idea what the collections is for.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MS)

Ive had many issues with this bank within the last 3 months. They have put multiple blocks on my account for fraud verifications that Ive passed and my bills ended up being late multiple times Then I had multiple issues not being able to use my card. Then leads to now when I reciesved a direct deposit and they closed my account savings and checkings and said money will be received via check. Which is very unacceptable because I have a life and I cant spend any money or pay bills and they say they sent my pay back to the payee which i cant get for XXXX weeks due to the payroll being on vacation. Everytime I call them they give a vague answer and tell me they havent processed yet.
Consumer complaint received 2024-08-02
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: Clark County Collection Service (NV)

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 2024-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

Fraudulent billing practices and pressured alternative payment plans by AIDVANTAGE : I am currently unemployed. I am on an income driven repayment plan based on no income. A renewal was sent and approved by the company via email. No further documentation was requested. They currently have me with XXXX payments of XXXX due, forcing me to use my own forbearance time and accrue interest. Meanwhile, they refuse to process the form and continue to act confused on why no one has processed the plan. They then tried to convince me that {$0.00} repayment is no longer allowed and I needed to switch my plan to the XXXX plan. When I called back to speak to another representative, she also suggested I should not be on income driven repayment plan anymore and needed to switch to the XXXX plan due to changes in government. The XXXX plan is an uncertain plan that will kick everyone back into repayment if not passed. They are trying to pressure my choice to an uncertain plan and insisting payment when I already made my decision and completed the necessary paperwork. They approved the paperwork via email XX/XX/year> and agreed to put into place XX/XX/year>. They have failed to follow through with the signed agreement, pressure me to change my plan with each call, ruining my credit by not putting the plan in place, and charging me for payments that I do not owe.
Consumer complaint received 2024-08-02
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Self Financial Inc. (TX)

Someone opened a secured loan on XX/XX/year> in Kansas from self-financial lead Bank in the amount of {$510.00} I never opened this account. I'm not from Kansas. I'm from Texas and I've never even opened a secured loan. I am disputing this on Friday XX/XX/year>.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MECHANICS BANK (OK)

on XXXX XXXX XXXX, I sent in writing my refusal to pay a debt and demand them to stop all communications with me and requested inaccurate information that is reported on my credit report to be removed immediately. my rights as the law 15 U.S. Code 1692c ( c ) states below was exercised ; 15 U.S. Code 1692c ( c ) Ceasing communication " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, '' I also stated in writing several times that this vehicle is not mine. XXXX XXXX XXXX is the owner and driver of this vehicle and we have not been in contact for more than 5 years as of XXXX. 
They repeatedly contacted my neighbors, my landlord, my employer and my family several times after i sent in writing to cease all communication and to stop reporting inaccurate information and remove themselves from my credit report. They continue to report the inaccurate information.
Consumer complaint received 2023-03-15
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX. This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-01
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: Self Financial Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Certified Mail Sent to TransUnion Urgentt Matter!!!! 
Date : XX/XX/year> Date Dear ( TransUnion ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : 2. PLEASE UPDATE MY ADDRESS TO : MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

FYI I was mailed a letter from TransUnion stating that my verification documents that were large, in XXXX and legible, were not and I will attach the documents along with the original verification documents to The CFPB to prove legible documentation and misrepresentation per TransUnion. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.