davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (CA)

Accounts : XXXX XXXX I am filing a complaint against NCB Management Services , Inc. ( NCB ), XXXX, XXXX, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). NCB Management Services , Inc. ( NCB ) has reported a charged-off debt to XXXX, XXXX, and XXXX on my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, NCB Management Services , Inc. ( NCB ) has failed to provide me with a 1099-C form, as required by IRS code 4681. NCB Management Services , Inc. ( NCB ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. NCB Management Services , Inc. ( NCB ) actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, NCB Management Services , Inc. ( NCB ) is engaging in deceptive conduct that harms consumers ( Me ). Furthermore, NCB Management Services , Inc. ( NCB ) has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. NCB Management Services , Inc. ( NCB ) improperly disclosed my personal information to credit reporting agencies, specifically XXXX, XXXX, and XXXX without my permission. Additionally, NCB Management Services , Inc. ( NCB ) has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as XXXX, XXXX, and XXXX . This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (MA)

XXXX I received a U.S. Bank email stating I applied for Silver Business Checking Package application # XXXX. I called their fraud department, notify them that I'm a victim of identity theft, provided my social security and application number. They assured me that there was no activity in my name. 

On XXXX I receive another email regarding another fraudulent application # XXXX On XXXX I call U.S. Bank and they refuse to provide me with an email address so I may document my reporting of identity theft, and request a flag be placed to my name.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( 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, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

On XX/XX/year> and XX/XX/year> I requested information about account number XXXX from PORTFOLIO RECOVERY ASSOCIATES regarding validation and or verification of this alleged debt PRA claims is owed to PRA... Please forward XXXXPURCHASE agreement between you and the original creditor XXXXbill of sale XXXXassignment contact between PRA and the original creditor XXXXproof that PRA owns this alleged debt I have received no proof of ownership or that this alleged debt is legitimate. In a federal government settlement : PRA has agreed to stop illegal debt collection practices including Resonding to disputes about a debt or providing original documentation. Per the CFPB...
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX, Chase Auto, has a legal requirement to provide me, the lessee, a POA for registration of leased vehicle out of state. This is required by the State of Florida in order to have the vehicle registered to me and receive a license plate. XXXX XXXX hasn't provided it to me within the legally required period of 30 days. As a result, my car hasn't been legally able to be driven for almost 6 weeks.
Consumer complaint received 2024-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

My account history on Mohela 's website shows the following : XX/XX/2024, Payment of {$330.00} received from me.

XX/XX/2024, " Payment reversal '' of {$330.00} Since this date, all of my payments have been going to interest : zero has been applied to principal. 
On XX/XX/2024, it shows capitalized interest of {$70.00}. 
I have paid every month, my account is current. 

I have asked Mohela to explain the payment reversal many times, they have not answered. I have asked them why my payments are going to interest only, they have not answered. I have asked them about the capitalized interest, they have not answered.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (NJ)

Dear CFPB Team, I hope this letter finds you well. I am writing to formally report an issue I encountered with my bank regarding the transfer of funds needed to pay my mortgage in full. 

On XX/XX/year>, I attempted to transfer a total of {$230000.00} from my account to my mortgage lender to satisfy my outstanding balance. However, my bank did not permit this transfer, citing that its in there agreement they can not have transfer execute however they have allowed mortgage payments to come out of this account in a smaller amounts, this is the account I pay my mortgage every month. This denial not only caused significant stress but also jeopardized my ability to meet my mortgage obligations on time. 

I have reached out to my bank multiple times to clarify the situation and seek a resolution. Unfortunately, despite my efforts, I have not received a satisfactory explanation or solution. I believe this situation reflects a larger issue regarding customer access to their own funds and the responsibilities of financial institutions to facilitate transactions in a timely manner. 

I respectfully request your assistance in addressing this matter. It is essential for consumers like myself to have access to our funds, especially when fulfilling financial commitments such as mortgage payments. 

Thank you for your attention to this important issue. I look forward to your response and hope for a resolution that ensures fair treatment for all consumers. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

On or around XX/XX/year> I was on XXXX and contacted a " seller '' who was selling a software account that they had apparently had access to. This account was being sold for {$190.00} USD. I asked the person to confirm they own the account, to which I was provided a screenshot of the account dashboard. After initiating a payment via WISE, I was given the run around as to why this person can not give me the credentials to the account that I paid him for. I later posted about this experience on a closed XXXX XXXX, to which I was told this person was a scammer. It was evident as well when the user on XXXX 's name was found to be different than the name on the WISE account that I obtained. I contacted WISE about this, and they claim that because they sent the money to that individual that they were not able to refund me or reverse the charges. WISE then retaliated when I issued a chargeback to the amount with my bank, and they are now preventing me from using my WISE account, despite proving to them that I was indeed scammed, and that I should not be responsible for that amount. Police report was also submitted to WISE, and they still went against refunding me the amount that I was scammed out of.
Consumer complaint received 2024-11-02
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: Experian Information Solutions Inc. (NC)

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2024-11-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America did not respond to my complaint and are still violating federal FCRA regulations by reporting fraudulent activity about my credit report. 
Since XXXX Bank of America has been reporting false data to the credit reporting agencies. There has never been a late payment, never been a 30 day or 60 day or 90 day late payment notice, yet they continue to report this information. Bank of America continues to ignore request to correct this fraudulent information.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2017-03-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: EQUIFAX, INC. (MS)

I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.
Consumer complaint received 2024-10-26
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NC)

After receiving two US Bank Gift cards in the amount of {$100.00} each ( {$200.00} total ), I misplaced my purse on XX/XX/XXXX containing the gift cards. I immediately called the vendor at XXXX to suspend the cards, anticipating that I would find my purse. The agent offered to either supend or cancel the cards and I opted to supend them. However, after calling back on XX/XX/XXXX to reactivate the cards, I was told by the agent that they had been cancelled. This was an error on the vendor 's part and can be substantiated by the recording of my call made on XX/XX/XXXX when I specifically requested to suspend the card. On XX/XX/XXXX, I was told that they would need to reissue the cards and no mention of ANY replacement fees were ever made. The replacement cards did not arrive and I called back multiple times to try to figure out why the replacement cards were not being issued. I called on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and each time was told that a replacement card would be issued and that the prior agent had made an error. I finally received replacement cards on XX/XX/XXXX. Upon trying to register these cards, I learned that a {$15.00} replacement fee had been placed by US Bank on each card. This is obviously an error on US Bank 's part as they failed to suspend the cards when I originally requested that they do so. I should not have to pay for a fee when the error was clearly on US Bank 's part. I spent more than 35 minutes on the phone attempting to get replacement cards issued. At each step, the agents made numerous errors. 

The last agent I spoke with on XX/XX/XXXX was XXXX, Employeed ID XXXX I was NEVER once told there would be a replacement fee in all the times I called. Due to the original agent 's initial error, there would have been no way for me to proceed in getting my funds without replacement cards. This was the error of the agent. 

These are the OLD gift card numbers : XXXX Exp XX/XX/year> XXXX Exp XX/XX/year> The above cards were requested to be suspended on XX/XX/XXXX. 

These are the NEW gift card numbers : XXXX Exp XX/XX/year> ( Replaces XXXX ) XXXX Exp XX/XX/year> ( Replaces XXXX )
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (NC)

*GLBA FTC SAFEGUARD NON-COMPLIANCE* I am submitting this complaint due to the companys non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). Specifically, they have : Failed to provide the required privacy notices that disclose how they manage and share my personal information. 
Not offered an opt-out option for third-party data sharing, as required by the law. 
Neglected to establish proper safeguards to protect my personal and financial information under the GLBA Safeguards Rule. 
Raised concerns about their identity verification processes, which may violate pretexting protections. 
I demand that the company immediately stop sharing my personal information unlawfully and provide a full explanation of how my data has been handled, along with documentation proving their compliance with GLBA regulations.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KS)

On XX/XX/year> I had deposited cash from an atm of US Bank which was around {$1500.00}. After the deposit the machine just gave me a slip and told me to contact with the bank and the money did not got deposited in my account. After I have filed for my dispute now on the decision they have approved only {$740.00} and did not gave any proper explanation on their research. I had call their dispute unit and they also did not have any quotes on my case but they have already charged the adjustment of {$750.00}. I have called them couple of times but they are saying they haven't received any updates from their management.
Consumer complaint received 2024-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

I am eligible for loan discharge through the PSLF program. I sent messages to Mohela on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> Requested that my 2 loans be placed in administrative forbearance while the PSLF discharge is processing. This has not been done. I have another payment due XX/XX/scrub>XXXX  that I should not have to make since I have requested this administrative forbearance. 

The payment I have made to Mohela are also not reflecting correctly. The payments I have made are as follows : XX/XX/scrub>XXXX  {$170.00} XX/XX/scrub>XXXX XXXX$170.00} XX/XX/year> {$170.00} The Mohela system is only relfecting the payments made XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>. It is missing the XX/XX/scrub>XXXX  payment of {$170.00}.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Notice of dispute ; To whom my concerns, under federal law by 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ), youre have the power under natural law to delete all kind of Debt Collection that I not personally owned.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (MO)

Blitt & Gaines, P.C. for XXXX XXXX XXXX XXXX 
Blitt & Gaines, P.C. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX Account # ending : XXXX Filed a lawsuit without sending a demand letter, validation notice or debt validation letter not allowing me to get verification of the debt. Violating my ( FDCPA ) rights. 

Filed a lawsuit on XX/XX/scrub>XXXX XXXX XXXX XXXX