davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to report what appears to be double jeopardy in debt collection practices involving XXXX XXXX XXXX and XXXX XXXX XXXX. I incurred a debt with XXXX XXXX XXXX, which was subsequently sold to XXXXXXXX XXXX XXXX without prior notice or consent. This has resulted in overlapping collection efforts by both entities, potentially violating the Fair Debt Collection Practices Act ( FDCPA ) and raising concerns under the Consumer Financial Protection Act ( CFPA ). I request that the CFPB investigate whether XXXX provided proper notice of the debt sale, assess XXXX 's compliance with the FDCPA and other relevant laws, and determine if any unfair practices occurred during the debt transfer and subsequent collections.
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Florida, XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Date : [ XX/XX/year> ] Subject : Formal Complaint Against [ Credit Collection Service ] {$370.00} Dear Sir/Madam, I am writing to file a formal complaint against [ Collection Agency Name ] for multiple violations of my consumer rights. Below are the specific issues : Failure to Provide Debt Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector must provide validation information upon request. [ Collection Agency Name ] has not provided this validation information, yet they have placed a collection account on my consumer report.

Infringement of Dispute Rights : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to dispute the account. However, I have not been given an opportunity to dispute the account before it was reported to the credit bureaus.

False and Misleading Practices : [ Collection Agency Name ] is violating my rights by using false, misleading, and deceptive means to collect the alleged debt. They have failed to provide necessary disclosures and are in clear violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( A ).

Unauthorized Credit Inquiry : [ Collection Agency Name ] conducted a soft inquiry on my credit report without my permission. They have not provided any permissible purpose for this inquiry, which constitutes a violation of the Fair Credit Reporting Act.

In light of these violations, I am disputing any and all debts claimed by [ Collection Agency Name ]. I am also revoking all rights for them to communicate with me via email, text, or telephone.

I am requesting the following actions : Validation of Debt : Provide proof of debt validation, including the original creditors agreement and the purchase agreement between [ Collection Agency Name ] and the original creditor.

Licensing and Bonding Proof : Provide proof that [ Collection Agency Name ] is properly licensed and bonded as required by law.

Explanation for Credit Inquiry : Explain the purpose of the soft inquiry performed on my credit report and provide evidence of permissible purpose.

Given these violations, I also request that this collection account be removed from my consumer report.

I appreciate your prompt attention to this matter and look forward to your response detailing the resolution of these issues. Please let me know if additional information or documentation is required. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (WA)

I, have submitted multiple requests to opt out of information sharing with CB INDIGO, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to CB INDIGO : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/year>, following CB INDIGO 's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent. 
Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. CB INDIGO has failed to meet this obligation.

Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. CB INDIGO does not have my written consent to share my information. 
Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. CB INDIGO did not inform me of this right. 
Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of CB INDIGO 's reporting services and sharing of my information.

Conclusion : CB INDIGO 's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation.

I am once again requesting CB INDIGO to honor my rights and process my opt-out request as mandated by law.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
Details of Disputed Entries : Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor.

Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.
Consumer complaint received 2024-07-13
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. (IL)

Under the doctrine of the estoppel by silence, engelhardt v gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please remove my hard inquiries from my credit report. I been asking equifax to remove them.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

Accounting and Credit Reporting Department To Whom It May Concern This letter is to inform you that upon viewing my credit report, I noticed different companies were listed as a derogatory mark of collections. I do not remember ever making an agreement or a business relationship with these companies ; they are all inaccurate. As of today, I have no memory of receiving a dunning letter from anyone asking if I wanted to dispute the debt in the account. Please accept this letter as my formal dispute of these accounts. I am also requesting that you provide proof that I owe this debt, Purchase ag

reement with my signature. Under the Law 168e compliance and procedures I want to ensure all the information on my credit report is 100 percent accurate
in accordance with consumer law. I investigate and delete any information that is reported or not and is not 100 percent accurate. 
Account Name : XXXX  # XXXX XXXX  # XXXX  XXXX/ # XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX/XXXX  # XXXX I am hereby instructing you to cease collection of the debt until you resolve this possible reporting error with the creditor. I am asking that you not contact me nor anyone else except the original creditor about this collection. 
In addition, I want to ensure that you are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report anything else to the bureaus until you have furnished proof to me that the account is valid. 
Also, I will need you to famish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that they are licensed or legally authorized to collect on a debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process ( debt buyer, 3 party, etc ). Proof that the original creditor authorized you to collect on the debt on their behalf. The original creditor 's name. Details on when the account first went into a delinquent status since that is the date required as OPEN DATE on the collection account. ( Etc etc. Be reasonable in the request ) Please do not contact me until you have collected and sent this information to me by the address on this letter. You do not have authority to provide this address to the credit bureaus as an updated address for the account. If you provide these within a reasonable amount of time. then you may contact me on the phone number ( XXXX ) between the hours of XXXX XXXX Mon-Tue.Please note that any calls outside of these hours to discuss these matters are a direct violation of my rights. Sincerely XXXX XXXX  XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

XXXX XXXX {$2700.00} opened XX/XX/year> NCB management services {$3000.00} opened XX/XX/year>. 

I have called both places can not get anyone to answer the phone. I have not heard from the companies nor mail or emails. I have disputed both on my credit report.
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (FL)

In XX/XX/year>, I was placed in collections for the amount of {$1000.00}, by the apartment complex where I previously resided. They are claiming that I did not provide sufficient notice and broke the lease agreement. However, I gave the required two months ' notice via email and also signed the notice as per their procedure. 

A few weeks later, I visited the office and was informed that they had not received my notice because they had changed their system and email address, of which I was not notified. Consequently, I was unaware of any issues with my notice. 

After several attempts to resolve the situation, I made a verbal agreement and exchanged emails with one of the secretaries, who confirmed that I could leave without penalty. Despite this agreement, I was still placed in collections.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MT)

I received at least two texts from XXXX debt collection company. They included a reference number, web address link, and a call link. I used the link and their website requested the reference number, and either the last 4 of my social security number, or the month and date of my ssn, or my first and last name. I didnt want to give them my ssn numbers so I opted for sharing my birth date. Nothing resulted after I submitted the info, so I then submitted the last 4 of my ssn. That didnt result in anything, so I finally submitted my name. The next page displayed information about a debt that I do not owe. It read that I owe {$4500.00} to original creditor, Synchrony Bank. The current creditor is supposedly XXXX XXXX XXXX XXXX. My XXXX XXXX account does not show either one of these creditors, or the amount owed. I believe that because they dont have my SSN and are only going on my name, they are at best wrong or at worst committing fraud. I used to work for a legitimate collection agency for 3.5 years and from what I learned on the job, they are committing questionable and suspicious debt collection activities. I chose not to reach out to them directly because I still dont know if they are a legitimate company. I dont want to be dragged down a manipulative and deceptive hole for a debt that I dont owe. Thank you for your support. That is all the preliminary information I have. The website noted that I have 30 days before they report it to my credit. Please help me with any advice you can give me. Thanks again!
Consumer complaint received 2024-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

There were fraudulent transactions on my debit card from XX/XX/XXXX to XX/XX/XXXX, totaling {$3700.00}. These charges were not made by me. On XX/XX/XXXX at XXXX XXXX, I received a call from someone claiming to be from Chase Bank, informing me of a fraudulent transaction and asking if I wanted a new card. The call lasted XXXX minutes ( XXXX PM - XXXX PM ). I verified the number afterward, and it was from a Chase branch in my area that I had never visited. 

During the call, without providing any personal information, I agreed to receive a new card. The caller then asked me to read a code from a message once I received it. At XXXX XXXX, I received the message and read the code to her. She then instructed me to type the code into a text box and send it. She verified my current address, which was correct, and I ended the call. ( Eventually, I did not receive any new card. ) Afterward, I went to XXXX to buy dog food, left XXXX around XXXX XXXX, and spent the rest of the day in XXXX XXXX. Subsequently, the fraudulent transactions occurred from XX/XX/XXXX to XX/XX/XXXX. The transaction dates are shown as XX/XX/XXXX and XX/XX/XXXX, but the withdrawal acitivities were happen on XX/XX/XXXX. Upon checking my savings account, I discovered up to XXXX and more fraudulent transactions, each for {$40.00}, {$60.00} or {$100.00}, totaling {$3700.00}. 

I filed claims on XX/XX/XXXX and was told I would be reimbursed within XXXX business days, but I haven't received any refund. I was informed that my claim was denied without my knowledge, which concerns me. I requested a re-evaluation and a prompt refund later, but Chase refused to do so and asked me for documents, which is very ambiguous.
Consumer complaint received 2024-08-01
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 (TX)

On XX/XX/XXXX i received this gift card for {$500.00}. I was able to use it at XXXX local store but no where else. I tried using it on XXXX, XXXX, XXXX, and in stores but none of the purchases went through. I was only able to use it at XXXX stores but mo luck with any others. The gift card says that the card works anywhere which it doesnt.
Consumer complaint received 2024-07-31
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: LEXISNEXIS (OH)

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.

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 2024-07-31
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: LEXISNEXIS (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.

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 2024-07-12
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. (WI)

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX ( chargeoff ) {$1000.00} 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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 2024-10-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

I'm extremely frustrated with the customer service at this bank. Its shocking how much effort and stress Ive had to endure just to get my questions answered and issues resolved. Since XXXX, I've been informed by them that FEMA said that my property is in a flood zone, and after reaching out to them, the bank decided to purchase flood insurance on my behalf without proper communication. 

I've attached the email correspondence and a log of my calls with their insurance department. I feel like I'm being bullied by the company, especially after my previous complaint. The ongoing lack of response is causing me significant mental stress despite my repeated attempts to resolve this. 

If this issue is not addressed, I will have to consider legal action.
Consumer complaint received 2024-10-05
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: JPMORGAN CHASE & CO. (FL)

I have 3 negative accounts remaining on my credit report from Chase Bank from 7 years ago as a result of identity theft and fraud by a former business partner. I have disputed several times and they refuse to remove. Statute states that after 7 years they can no longer be shown on credit report. I am sincerely asking that these accounts be removed from my credit report as I have worked so hard to start fresh and improve my overall credit and they continue to try and keep me down. I also have police reports and court documents that explain I am not responsible for these accounts which I have submitted several times but they do not honor. Every other bank has honored them.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I.C Systems has repeatedly put this XXXX XXXXXXXX XXXX account onto my credit reports after providing proof of Identity Fraud and police report specifically with their company name on it. IC Systems has repeatedly had my name in their system trying to collect on this illegal debt. This account does not belong to me, I never opened it. I was XXXX  when this account was opened.